Sapphire: SEC-Registered Investment Advisor
Be Your Own Boss Without the Business Burdens
Sapphire is a corporate affiliation model where fee-only financial planners enjoy the freedoms of independent firm ownership without the tech, compliance and back office burdens.

John Stoj | Verbatim Financial |
XYPN Member since 2025
Support Without Strings
Sapphire member firms unlock XYPN’s comprehensive Member Benefits—plus the power of a plug-and-play RIA affiliation model. With built-in compliance, technology, and back-office support, you’re free to focus on what drives you, not what drains you.
The best part? You gain total control without the constraints or complex fees of most corporate RIA models. Imagine owning every part of your business—your revenue, relationships, data, and brand—while getting turnkey expert support and being backed by a network of advisors all invested in each other’s success.
See if I'm a fit →


Lindsey Young, CFP®, CEPA® | Quiet Wealth |
XYPN Member since 2019
your best life starts here
Sapphire Makes it Possible
Enjoy the control and flexibility of independent RIA ownership without the constraints, asset minimums, or complicated fee structure of traditional firms.
To make your dream firm possible, we offer:
Compliance Management
Rest easy knowing our CCO & Compliance Team have your back when it comes to meeting SEC rules and regulations in an advisor-centric way. That’s right. A partner who makes your independent dream firm possible—without the compliance burdens, audit fears, or State-level service model restrictions.
Investment Management
Your clients will appreciate the value and impact of working with a TAMP that anticipates their unique needs and challenges—and doesn't require asset minimums. Built for forward-thinking RIAs, we’ll streamline your asset management program, trade for you, and fully manage your custodial relationship.
Transition & Onboarding
Your dedicated Transition & Onboarding Manager will set you up for success from day one, crafting a customized transition plan, handling your tech setup, managing client and account transitions, and providing highly personalized support—all faster than you can say “dream firm.”
Plug & Play Technology
Imagine leveraging integrated tech tools that improve efficiencies, increase client engagement, show ongoing value and make your life easier—without the setup or migration headaches.
Client & Back Office Support
Enjoy expert support and business coaching that helps focus on doing what you love, not what you don't. We'll help you grow your business, take time off, and plan for your firm's future.
Your Firm, Your Terms
You control your brand and business. Choose who your clients are and how to charge them. Your clients, business, revenue, and data belong 100% to you. Should you choose to leave, they are yours to take with you.


Brian Muller, AAMS® | Momentous Wealth Advisors |
XYPN Member since 2023
Return on Independence
My ROI
Making it possible
XYPN Member Benefits
As a Sapphire member, you have access to all of our advisor support platform benefits:
Technology
Top tech tools vetted and designed for you
Support Network
Like-minded peers working together
Education & Resources
Level up and stay on the forefront
Coaching
Get 1:1 support when you need it
Advocacy
Powerful partners on your team
How can XYPN Membership Benefit Me?


Ryan Johnson, BFA™ | Hundred Financial Planning |
XYPN Member since 2023
Additional Resources ↘

Road to Launch with XYPN Member Alan Skillern, CFP®, MBA

3 Tips to Fly Under the Radar While Planning Your B-D or RIA Exit Strategy

Leaving Your Firm? The Broker Protocol is One Detail You Can't Miss
Getting Started with Sapphire
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First, we'd love to learn more about you! So please start by filling out our short interest form. Our team will then reach out for a quick chat to understand your needs better and answer any questions you might have. Once we confirm we're the perfect fit, we'll work together to create an onboarding schedule that works best for you.
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No. Sapphire replaces the need to register your own RIA. You'll operate as an Investment Adviser Representative (IAR) under our corporate RIA, XY Investment Solutions, LLC, on a 1099 contractor basis.
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Yes. You’ll need a Series 65 or an equivalent designation such as CFP®, ChFC®, or CFA®.
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You do not need to be an XYPN member to express interest.
XYPN offers two ways to join membership: as an Emerald member, for those who prefer more flexibility and control over their firm and its operations, and as a Sapphire member, for those who prefer an RIA affiliation model with more plug-and-play support or who experience complexities that impede them from having the firm of their dreams.
Those who currently enjoy all of Emerald's benefits are also welcome to apply to transition their membership to Sapphire at any time. Similarly, if a Sapphire member should want to become an Emerald member, we'll help you register your RIA and assist with your transition.
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Yes. Advisors must operate on a fee-only basis as defined by the CFP® Board.
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While Sapphire doesn't directly manage your transition to fee-only, XYPN does have resources that could help you transition to fee-only. We'll connect you with trusted partners like LLiS and DPL, who specialize in supporting advisors through this process at a discounted rate for members.
Support, Branding & Client Experience
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Clients will know that you’re affiliated with XY Investment Solutions, LLC through formal documents (e.g., your ADV and client agreement). But you and your brand remain the face of your firm. We don’t communicate directly with your clients (except during vacation or sabbatical coverage, if needed).
You decide how much to highlight the partnership. Most advisors simply explain that they’ve partnered with a platform that manages back-office operations so they can focus on delivering value.
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At Sapphire, we're committed to empowering your marketing success every step of the way!
We provide comprehensive marketing support through our detailed Branding and Marketing Guides library and specialized training courses to keep you confidently on track. Have compliance questions? Our Chief Compliance Officer is personally available via email or one-on-one calls to provide clarity whenever needed.
We also boost your visibility through multiple prestigious advisor directories. Your firm will be featured on Sapphire's Find An Advisor Profile Page, and if you hold a CFP® designation, you'll gain additional exposure through XYPN's Find An Advisor Portal. Your included NAPFA membership provides yet another opportunity to showcase your practice on their advisor directory.
Plus, as a member, you'll receive exclusive access to media opportunities from national outlets that can significantly elevate your market presence and authority.
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We've designed our technology to give you the perfect balance of structure and flexibility. Our core platforms—Wealthbox, Orion, and Box.com—are included in your membership and required to ensure seamless collaboration and support.
Regarding planning software, we understand everyone has their preferences, so you'll have choices to select what works best for your style and clients.
Want to add your own favorite tools? No problem! Just submit them for a quick compliance review. This simple approval process helps ensure your entire tech ecosystem remains secure and compliant. Remember that any additional technology you choose beyond our included stack would be your financial responsibility.
Check out your Tech Menu for all of the details on what's included and your customization options.
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Your journey with us starts with personalized care! From day one, you'll work with a dedicated Transition & Onboarding Manager who'll be right by your side throughout the process. They'll help you develop a customized transition plan, prepare all necessary client forms, guide you through tech migration, and handle client form packets via DocuSign. They'll also track paperwork submissions, monitor account openings, and help establish your professional brand within our ecosystem.
Once you're fully settled in, our support continues! Our friendly team is available Monday through Friday from 9 AM to 5 PM MT via email at support@xypnsapphire.com or by phone whenever you need assistance. You'll also have access to our intuitive XYPN Sapphire advisor platform where you can submit requests and easily track their completion status.
We're committed to making your experience smooth and successful—before, during, and long after your initial onboarding!
Flexibility & Financials
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Absolutely. The transition between Sapphire and Emerald is seamless, and our team will help you register your RIA and assist with your transition when you're ready.
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Gross revenue. Sapphire handles billing for your firm and pays out 80% of your gross revenue. The $1,500 monthly membership fee is billed separately via credit card.
Why Choose Sapphire?
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Run your business your way—without the back-office burdens. We handle compliance, tech, and operations so you can focus on your clients.
XYPN membership unlocks access to so much more than just operational and custodian support—it also puts an entire ecosystem of education and coaching, curated technology, advocacy, and like-minded community of collaborative peers all working together to support each other's success, at your fingertips.
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- Your brand and your business 100% belong to you. Our guarantee states: If you’re not satisfied, you can transition at any time with your clients, your data, and your revenue.
- As an independent contractor, rather than a W-2 employee, you act as your own entity and run your business as your business.
- If you decide you’d rather own your own RIA, we’ll assist you with transitioning to Emerald XYPN membership and registering at the state or SEC level.
- Your brand and your business 100% belong to you. Our guarantee states: If you’re not satisfied, you can transition at any time with your clients, your data, and your revenue.
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Sapphire isn’t just for getting started—it’s a scalable support system designed to power sustainable growth throughout every firm phase.
Connect with a Success Strategist today
XYPN Invest Disclaimer
Information contained on this website is for educational and informational purposes only and should not be construed as legal, tax, or investment advice. Please consult your advisor, attorney, and/or tax professional for information specific to your situation.
XYPN Invest does not endorse, review, monitor, or otherwise control the information presented by XYPN on this site in connection with the other services, support solutions, or benefits available to XYPN members. We are not responsible for any information published on this site, by XYPN, that is not in connection with XYPN Invest or its representatives.