Xypn Sapphire

• A percentage of assets under your management
• Hourly charges
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

As stated in the firm's Form ADV Part 2A brochure dated April 29, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site

$1,253,476,799 as of October 2026, filing dated September 16, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• Financial planning services
• Portfolio management for individuals and/or small businesses
• Portfolio management for businesses (other than small businesses) or institutional clients
• Educational seminars/workshops

Legal name

XY Investment Solutions, LLC

Also doing business as

ADELPHI LLC, ADELPHI WEALTH ADVISORY, APPROACH FINANCIAL, APPROACH FINANCIAL PLANNING, ARDENT GUARDIAN WEALTH ADVISORY, BEST INVESTMENT GROUP LLC, BIRDIE RETIREMENT PLANNING, BRIGHT WOMEN FINANCIAL, CAROLINA WEALTH PLANNERS, CHARLES MICHAEL FINANCIAL, CLEAR SKIES PLANNING, CLEAR SKIES PLANNING & WEALTH STRATEGIES, INC, CONLEY CAPITAL MANAGEMENT, DELTA LAKE WEALTH MANAGEMENT LLC, DOVE VALLEY WEALTH MANAGEMENT, ELATION WEALTH, LLC, EMPIRE CAPITAL VENTURES, EMPIRE CAPITAL WEALTH, EQUI FINANCIAL PLANNING, EVERANT WEALTH, LLC, EVIDENTIA WEALTH ADVISORS, FLINT FINANCIAL PLANNING, FORWARD WEALTH MANAGEMENT, HARVARD WEALTH MANAGEMENT, HOEVEN WEALTH, HUNDRED FINANCIAL PLANNING, INTREPID FINANCIAL SERVICES, J.B. WEALTH STRATEGIES, KCL WEALTH MANAGEMENT, LIGHTHOUSE PLANNING, MERION PERSONAL FINANCE, MOMENTOUS WEALTH ADVISORS, NEPONSET RIVER WEALTH STRATEGIES, ONYX FINANCIAL, PEACE & FREEDOM FINANCIAL, PURPOSEFUL MONEY, PURSUIT PLANNING & INVESTMENTS, LLC, QUIET WEALTH, QUINNCORE FINANCIAL, LLC, REFRESH WEALTH, RUDDER FINANCIAL, SCHOLAR FINANCIAL, SETZER FINANCIAL, STRINGER ASSET MANAGEMENT, LLC, TEN RING WEALTH ADVISORS, TENERE WEALTH ADVISORS, THE CROSSROADS, THE GREEN GROUP WEALTH MANAGEMENT, TROPHY POINT FINANCIAL PLANNING, TURNING POINT FINANCIAL LIFE PLANNING, VERBATIM FINANCIAL, VITA WEALTH MANAGEMENT, VONERA WEALTH, VONERA, LLC, WBI ADVISORY, WEALTH MANAGEMENT OF ALABAMA, WEALTHPEACE, WINDJAMMER WEALTH, XYIS, XYPN INVEST, XYPN SAPPHIRE

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2020 (6 years)

Employees

Total: 69. Performing investment advisory functions: 60.

Wrap fee program participation

No.

Custodians (Schedule D, Section 5.K(3))

Altruist Financial LLCCharles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

Other offices (Schedule D, Section 1.F)

15 other offices, as of the October 2026 filing

Bethesda, MDBloomington, MNDes Moines, IAFort Payne, ALGrand Rapids, MIHarrisonburg, VAMandan, NDNorth Kingstown, RIPolson, MTRaleigh, NCRoswell, GASt. Louis, MOSt. Simons Island, GASugar City, IDTigard, OR

States registered or notice-filed

40 states or jurisdictions

ALAZCACODCFLGAIAIDILINKSKYLAMAMDMEMIMNMOMTNCNDNENHNJNYOHOKORPARISCSDTNTXVAWAWIWV

SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

4 Reports 4 disclosure items on Form ADV Item 11. View on IAPD.

Questions answered yes on this filing

Regulatory matters Items 11.C to 11.G

• 11.D(1) Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?
• 11.D(2) Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
• 11.D(4) In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?
• 11.E(4) Has a self-regulatory organization or a commodities exchange ever disciplined the firm or an advisory affiliate by expelling or suspending it from membership, barring or suspending it from association with other members, or otherwise restricting its activities?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. What happened, and who was involved, is on the Disclosure Reporting Pages of the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $117,386,435 in the October 2021 data and $1,253,476,799 in the October 2026 data, up 968%.

Total employees: 5 in October 2021 and 69 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. October 2026
   • Added the business name Everant Wealth, LLC.
   • Added an office in Mandan, ND.
   • Added an office in St. Louis, MO.
2. September 2026
   • Added the business name The Green Group Wealth Management.
   • Added the business name Quinncore Financial, LLC.
   • Added the business name Empire Capital Wealth.
   • Added the business name Empire Capital Ventures.
   • Added the business name Dove Valley Wealth Management.
   • Employees performing advisory functions went from 56 to 60.
   • Regulatory assets under management went from $881,503,781 to $1,253,476,799 (+42%).
   • Changed its office addresses in Harrisonburg, VA.
   • Added an office in Grand Rapids, MI.
   • Added an office in Roswell, GA.
   • Registered or notice-filed in NH, NJ, TN.
3. July 2026
   • No longer lists the business name Newleaf Financial Guidance.
   • Added the business name The Crossroads.
   • Added the business name Peace & Freedom Financial.
   • Added the business name KCL Wealth Management.
   • Added the business name Equi Financial Planning.
   • Added the business name Bright Women Financial.
   • Employees performing advisory functions went from 55 to 56.
   • Registered or notice-filed in AZ.
4. June 2026
   • Added the business name Pursuit Planning & Investments, LLC.
   • Employees performing advisory functions went from 54 to 55.
   • Added an office in Tigard, OR.
5. May 2026
   • Added the business name WBI Advisory.
   • Added the business name Vonera, LLC.
   • Added the business name Vonera Wealth.
   • Added the business name Best Investment Group LLC.
   • Employees performing advisory functions went from 51 to 54.
6. April 2026
   • Added the business name Neponset River Wealth Strategies.
   • Added the business name Forward Wealth Management.
   • Item 11 disclosure answers changed: 4 yes answers, previously 3 (now yes: 11.E(4)).
   • Employees performing advisory functions went from 34 to 51.
7. March 2026
   • Added an office in St. Simons Island, GA.
8. February 2026
   • Added the business name Rudder Financial.
   • Added the business name Hoeven Wealth.
   • Added the business name Flint Financial Planning.
   • Added the business name Charles Michael Financial.
   • Employees performing advisory functions went from 32 to 34.
   • Regulatory assets under management went from $321,042,677 to $881,518,149 (+175%).
   • Added an office in Harrisonburg, VA.
   • Added an office in Raleigh, NC.
9. January 2026
   • Added the business name Approach Financial Planning.
   • Added the business name Approach Financial.
   • Employees performing advisory functions went from 31 to 32.
10. December 2025
    • Added the business name Ten Ring Wealth Advisors.
    • Added the business name Setzer Financial.
    • Added the business name Intrepid Financial Services.
    • Added the business name Harvard Wealth Management.
    • Added the business name Clear Skies Planning & Wealth Strategies, Inc.
    • Employees performing advisory functions went from 29 to 31.
    • Added an office in Bethesda, MD.
    • Added an office in Polson, MT.
    • Registered or notice-filed in IA, OK, RI, SC.
11. November 2025
    • Added the business name Stringer Asset Management, LLC.
    • Added an office in North Kingstown, RI.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.