Full Control with Scalable Support

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.

Yes! 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)

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.

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.

Some membership benefits are available to advisors residing outside the US who meet regulatory criteria. Membership grants listing on the Find-an-Advisor portal with CFP® designation and access to member-exclusive forums, educational materials, and resources. At this time we do not accept applications for advisors in the European Union. 

Questions? Contact our Success Strategists 

To maintain the lowest possible membership fees, we exclusively process ACH payments. This is because credit card transactions come with substantial transaction costs.