Make it possible with XYPN
Know what to expect with simple, transparent pricing
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Best-in-class technology solutions
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A clear path to success
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Real-time, real-person support
100%
Ownership—it's your business
1750+
Like-minded Advisors
$4,399
Firm Start-Up Cost
Savings with XYPN
Join the Network
Your Return On Independence
Your dream firm is an affordable monthly fee away. Access your complete toolkit with our Standard Membership. Scale to suit your growing business needs with Books, Compliance, Invest, and Ops solutions all priced to provide the best ROI for fee-for-service advisors.
Additional advisors at the same firm can sign up for an Add-On Membership for an exclusive discount.
Powerful Partners on Your Team
XYPN Books Pricing
Bookkeeping done right. Never sweat an audit with a partner solely focused on keeping your books clean and compliant.
Tier 1
Up to $110K gross revenue and up to 5 accounts reconciled
$155/MONTH*
Tier 2
Up to $250K gross revenue and up to 8 accounts reconciled
$200/MONTH*
Tier 3
Up to $450K gross revenue and up to 10 accounts reconciled
$250/MONTH*
Tier 4
Up to $800K gross revenue and up to 12 accounts reconciled
$300/MONTH*
Tier 5
Up to $1.5M gross revenue and up to 15 accounts reconciled
$345/MONTH*
Tier 6
$1.5M+ gross revenue or more than 15 accounts reconciled
Custom Quote*
*Plus one-time onboarding fee for new clients. Must meet revenue and bank-type account criteria to qualify.
XYPN Compliance Pricing
Compliance, simplified. Imagine regulator-proofing your RIA with a partner who always has your back.
RIA Registraton
You lead the way, while we support you at critical points in your firm registration process.
$1,900
Enhanced RIA Registration
Our compliance experts lead the way, providing key document development and continuous support throughout your firm registration process.
$2,700
Complete First Year Compliance
We’ll provide you with comprehensive RIA registration service, foundational compliance program development, and ongoing implementation support during your first year of launch.
$5,200
A La Carte Compliance Support
Tap our expert RIA compliance team to help with particular services, from ADV amendments and additional state registrations to U5 filing and transitioning from SEC to state registration.
Pricing based on support needed
Hourly Compliance Consulting
Get 1:1 support from RIA compliance experts on anything from regulatory exam and audit support to reviewing advertising and marketing materials. Our proactive compliance consulting is tailored to your firm's needs to help you find confidence in your compliance program.
$360/HR or $475–$2,000/MO
XYPN Invest Pricing
Your trusted TAMP partner. Enjoy offering turnkey asset management that manages itself.
Turnkey Asset Management Platform (TAMP) Pricing
$0 - $5M AUM
35 BASIS POINTS
$5M - $25M AUM
30 BASIS POINTS
$25M+ AUM
25 BASIS POINTS
Fees are based on the advisor's AUM, using a cliff fee schedule. Once a breakpoint is reached, all assets will be billed at that same breakpoint base fee.
Orion Essentials Pricing
Orion Essentials
$6,500/YEAR
Includes up to 110 Accounts
Billed Quarterly
Pricing per additional account
111–200 Accounts: $44/Account
201–700 Accounts: $42/Account
701–5,000 Accounts: $40/Account
5,000–10,000 Accounts: $35/Account
Platform add-ons and additional Orion services available. Learn more about investment management services →
XYPN Ops Pricing
Your problem-solving operations partner with 360° solutions for your business—that fit your business.
Kick Start
Up to 15 hours per month
$1,500 per month
Core Solutions
Up to 10 hours per week
$3,033 per month
Advanced Solutions
Up to 15 hours per week
$4,225 per month
All-In Solutions
Up to 20 hours per week
$5,200 per month
Frequently Asked Questions
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No, you do not! XYPN believes in the CFP® designation and views it as a certification that all financial planners should obtain. However, the only member benefit that requires CFP® certification is the ability to be listed on our Find-An-Advisor profile.
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XYPN members agree to the following standards to qualify for membership:
Fee-Only: Members must operate on a fee-only basis. We follow the CFP Board’s definition of Fee-Only: “A certificant may describe his or her practice as “fee-only” if, and only if, all of the certificant’s compensation from all of his or her client work comes exclusively from the clients in the form of fixed, flat, hourly, percentage or performance-based fees.”
Provide Services Virtually As Needed: Members must be able to accommodate clients with mobility/accessibility considerations. Physical location should not limit one’s access to financial planning.
Fee-for-Service (Retainer, Subscription, Hourly, Flat-Fee offering): XYPN members must offer financial planning services to clients without requiring a certain asset level as part of their fee model. Note: Advisors may offset planning fees with AUM.
Good standing with BrokerCheck: Each member is screened via BrokerCheck for approval into the Network. No member is approved if they have a regulatory fine, arbitration or settlement in excess of $10k. Please review this article for more information.
Note: The CFP® designation is required to be listed in the Find-an-Advisor search tool
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Yep! All XYPN members sign a fiduciary oath. Members also sign a compliance terms of service and an agreement regarding their fee-only transition; specifically, this agreement states that as an XYPN member, the advisor:
- Must not sell any new products immediately as of joining
- Must eliminate all trails within 12 months
- Must not hold out as fee-only at any point, including during the 12-month period, while still receiving trails (and also acknowledges no member can be listed on the XYPN website while receiving any trails)
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Our relationship with Schwab allows financial advisors who are members of XYPN to access Schwab’s custodial platform—without the pressure or obligation to meet asset targets.
XYPN members instantly receive access to the platform and are under no commitment to increase their assets under management while with the custodian. Schwab will also provide dedicated service and business development support to XYPN’s membership of more than 1,500 independent advisors who employ the innovative monthly retainer model and offer services that cater to the needs of younger investors. XYPN members can use their own 1-800-number to reach support staff.
THESE MATERIALS HAVE BEEN INDEPENDENTLY PRODUCED BY XY PLANNING NETWORK. XY PLANNING NETWORK IS INDEPENDENT OF, AND HAS NO AFFILIATION WITH, CHARLES SCHWAB & CO., INC. OR ANY OF ITS AFFILIATES (“SCHWAB”). SCHWAB IS A REGISTERED BROKER-DEALER AND MEMBER SIPC. SCHWAB HAS NOT CREATED, SUPPLIED, LICENSED, ENDORSED, OR OTHERWISE SANCTIONED THESE MATERIALS NOR HAS SCHWAB INDEPENDENTLY VERIFIED ANY OF THE INFORMATION IN THEM. XY PLANNING NETWORK MEMBERS PROVIDE INVESTMENT ADVICE, WHILE SCHWAB MAINTAINS CUSTODY OF ASSETS IN A BROKERAGE ACCOUNT AND WILL EFFECT TRANSACTIONS FOR YOUR CLIENTS’ ACCOUNT ON YOUR INSTRUCTION.
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Absolutely! Two or more advisors at the same firm may save by signing up for a Add-On Firm Membership. Full benefits are available for each additional member added to one Standard Membership
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A select portion of membership benefits are available only to advisors with full-time residence outside the US, including access to the Find-an-Advisor portal with CFP® designation, member-exclusive forums, educational materials, and resources. At this time we do not accept applications for advisors in the European Union.
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To maintain the lowest possible membership fees, we exclusively process ACH payments. This is because credit card transactions come with substantial transaction costs.
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