{ "crd_number": 285967, "slug": "xypn-sapphire-bozeman-mt-285967", "primary_business_name": "XYPN SAPPHIRE", "legal_name": "XY INVESTMENT SOLUTIONS, LLC", "dbas": [ "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" ], "city": "Bozeman", "state": "MT", "country": "United States", "cbsa_code": "14580", "metro": { "cbsa_code": "14580", "common_name": "Bozeman", "msa_name": "Bozeman, MT", "path": "/advisors/mt/bozeman" }, "registration_type": "sec", "registration_status": "Approved", "registration_date": "2020-06-12", "years_registered": 6, "period": "2026-10-01", "filing_date": "2026-09-16", "carried_forward": false, "raum_total": 1253476799.0, "raum_discretionary": 1250443187.0, "raum_non_discretionary": 3033612.0, "raum_band": "1b_5b", "raum_band_label": "$1 billion to $5 billion", "total_employees": 69, "advisory_employees": 60, "client_count_bucket": null, "clients_by_type": { "other": { "raum": 0.0, "count": 0 }, "charitable": { "raum": 3679871.0, "count": 9 }, "individuals": { "raum": 638178942.0, "count": 539 }, "banking_thrift": { "raum": 0.0, "count": 0 }, "state_municipal": { "raum": 0.0, "count": 0 }, "insurance_companies": { "raum": 0.0, "count": 0 }, "investment_companies": { "raum": 0.0, "count": 0 }, "pension_profit_sharing": { "raum": 97546610.0, "count": 14 }, "other_investment_advisers": { "raum": 210221240.0, "count": 43 }, "high_net_worth_individuals": { "raum": 300986354.0, "count": 182 }, "pooled_investment_vehicles": { "raum": 0.0, "count": 0 }, "corporations_other_businesses": { "raum": 2863782.0, "count": 9 }, "business_development_companies": { "raum": 0.0, "count": 0 }, "sovereign_wealth_foreign_official": { "raum": 0.0, "count": 0 } }, "compensation_types": [ "fixed", "hourly", "percentage_of_aum" ], "advisory_activities": [ "educational_seminars", "financial_planning", "portfolio_management_businesses_institutional", "portfolio_management_individuals" ], "wrap_fee_participant": false, "disclosure_yes_count": 4, "states_registered": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MT", "NC", "ND", "NE", "NH", "NJ", "NY", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "WA", "WI", "WV" ], "websites": [ "https://bestinvestmentgroup.net", "https://birdieretirementplanning.com", "https://brightwomenfinancial.com", "https://charlesmichaelfinancial.com", "https://clearskieswealthplanning.com", "https://conleycapitalmgmt.com", "https://deltalakewm.com", "https://dovevalleywealth.com", "https://elationwealth.com", "https://empirecapitalventures.com", "https://equiplanning.com", "https://evidentia.co", "https://facebook.com/momentouswealthadvisors", "https://findpeaceandfreedom.com", "https://flintfp.com", "https://forwardwealthmgmt.com", "https://harvardwealth.com", "https://hoevenwealth.com", "https://hundredfp.com", "https://instagram.com/moneywithryanjohnson", "https://instagram.com/wealthdecisionsbybrian", "https://kclwealth.com", "https://linkedin.com/company/hundredfp", "https://linkedin.com/company/xy-investment-solutions", "https://linktr.ee/wealth_decisions_by_brian", "https://momentouswealthadvisors.com", "https://neponsetriverwealth.com", "https://onyxfn.com", "https://planyourpursuit.com", "https://quietwealth.com", "https://quinncorefinancial.com", "https://rudderfinancial.com", "https://setzerfinancial.com", "https://stringerfin.com", "https://tenerewealthadvisors.com", "https://tenringwealth.com", "https://thegreengroupwealthmanagement.com", "https://tiktok.com/@wealth.decisions", "https://trophypointfp.com", "https://trophypointhq.com", "https://turningpointhq.com", "https://vitawm.com", "https://wbiadvisory.com", "https://wealthbyintent.com", "https://xyplanningnetwork.com/invest", "https://xypnsapphire.com", "https://yourseasonofyou.com", "https://youtube.com/@CharlesMichaelFinancial" ], "iapd_url": "https://adviserinfo.sec.gov/firm/summary/285967", "disclosure_items": [ { "item": "11.D(1)", "question": "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?" }, { "item": "11.D(2)", "question": "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?" }, { "item": "11.D(4)", "question": "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?" }, { "item": "11.E(4)", "question": "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?" } ], "city_as_filed": "BOZEMAN", "url": "https://advisorcensus.com/firm/xypn-sapphire-bozeman-mt-285967", "display_name": "Xypn Sapphire", "summary": "Xypn Sapphire is an SEC-registered investment advisory firm in Bozeman, MT, registered since 2020, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated September 16, 2026.", "citation": "AdvisorCensus. Xypn Sapphire (CRD 285967): Form ADV filing data as of October 2026.", "registration_type_label": "SEC-registered investment adviser", "compensation_labels": [ "A percentage of assets under your management", "Hourly charges", "Fixed fees (other than subscription fees)" ], "advisory_activity_labels": [ "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" ], "quick_answers": [ { "q": "How is Xypn Sapphire compensated?", "a": "On its Form ADV (Item 5.E, October 2026), Xypn Sapphire reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)." }, { "q": "How much does Xypn Sapphire charge?", "a": "Its Form ADV Part 2A brochure dated April 29, 2026 states: Up to $5,000,000: 0.35% a year; $5,000,001 to $25,000,000: 0.3% a year; Above $25,000,001: 0.25% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement." }, { "q": "Where is Xypn Sapphire located?", "a": "Xypn Sapphire's principal office is in Bozeman, MT, according to its Form ADV; the October 2026 filing also lists 15 other offices (Schedule D, Section 1.F)." }, { "q": "Is Xypn Sapphire registered with the SEC or a state?", "a": "Xypn Sapphire is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 285967." }, { "q": "How much does Xypn Sapphire manage?", "a": "Xypn Sapphire reports $1,253,476,799 in regulatory assets under management in its Form ADV filing dated September 16, 2026 (100% discretionary)." }, { "q": "How have Xypn Sapphire's assets and staff changed since 2021?", "a": "In the Form ADV data for Xypn Sapphire: 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. Assets under management move with markets as well as with clients coming and going." }, { "q": "What types of clients does Xypn Sapphire serve?", "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (539); high net worth individuals (182); other investment advisers (43)." }, { "q": "Which custodians does Xypn Sapphire use?", "a": "Xypn Sapphire's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets." }, { "q": "Does Xypn Sapphire report any disciplinary disclosures?", "a": "Reports 4 disclosure items on Form ADV Item 11: yes answers to 11.D(1) (another regulator's finding of a false statement or omission, or of dishonest, unfair, or unethical conduct), 11.D(2) (another regulator's finding of a violation), 11.D(4) (another regulator's order in the past ten years), and 11.E(4) (self-regulatory organization's expulsion, suspension, bar, or restriction). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/285967" }, { "q": "What changed in Xypn Sapphire's recent Form ADV filings?", "a": "In the October 2026 filing data: Added the business name Everant Wealth, LLC. Added an office in Mandan, ND. Added an office in St. Louis, MO." } ], "filing_history": [ { "period": "2021-10-01", "regulatory_assets_under_management": 117386435.0, "total_employees": 5, "filing_date": "2021-06-08" }, { "period": "2022-10-01", "regulatory_assets_under_management": 103493604.0, "total_employees": 5, "filing_date": "2022-03-30" }, { "period": "2023-10-01", "regulatory_assets_under_management": 101330843.0, "total_employees": 7, "filing_date": "2023-03-31" }, { "period": "2024-10-01", "regulatory_assets_under_management": 133274180.0, "total_employees": 15, "filing_date": "2024-09-18" }, { "period": "2025-10-01", "regulatory_assets_under_management": 321042677.0, "total_employees": 31, "filing_date": "2025-07-31" }, { "period": "2026-10-01", "regulatory_assets_under_management": 1253476799.0, "total_employees": 69, "filing_date": "2026-09-16" } ], "recent_changes": [ { "period": "2026-10-01", "period_label": "October 2026", "notes": [ "Added the business name Everant Wealth, LLC.", "Added an office in Mandan, ND.", "Added an office in St. Louis, MO." ] }, { "period": "2026-09-01", "period_label": "September 2026", "notes": [ "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." ] }, { "period": "2026-07-01", "period_label": "July 2026", "notes": [ "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." ] }, { "period": "2026-06-01", "period_label": "June 2026", "notes": [ "Added the business name Pursuit Planning & Investments, LLC.", "Employees performing advisory functions went from 54 to 55.", "Added an office in Tigard, OR." ] }, { "period": "2026-05-01", "period_label": "May 2026", "notes": [ "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." ] }, { "period": "2026-04-01", "period_label": "April 2026", "notes": [ "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." ] }, { "period": "2026-03-01", "period_label": "March 2026", "notes": [ "Added an office in St. Simons Island, GA." ] }, { "period": "2026-02-01", "period_label": "February 2026", "notes": [ "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." ] }, { "period": "2026-01-01", "period_label": "January 2026", "notes": [ "Added the business name Approach Financial Planning.", "Added the business name Approach Financial.", "Employees performing advisory functions went from 31 to 32." ] }, { "period": "2025-12-01", "period_label": "December 2025", "notes": [ "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." ] }, { "period": "2025-11-01", "period_label": "November 2025", "notes": [ "Added the business name Stringer Asset Management, LLC.", "Added an office in North Kingstown, RI." ] } ], "fees_from_brochure": { "source": "Form ADV Part 2A brochure dated April 29, 2026", "provided_by_the_firm": false, "tiers": [ { "band": "Up to $5,000,000", "rate": "0.35%" }, { "band": "$5,000,001 to $25,000,000", "rate": "0.3%" }, { "band": "Above $25,000,001", "rate": "0.25%" } ], "flat_rate": null, "stated_range": null, "stated_maximum": null, "account_minimum": null, "account_minimum_may_be_waived": false, "minimum_annual_fee": null, "planning_fees": [], "figures": [ { "label": "Fee schedule", "statements": [ "Up to $5,000,000: 0.35% a year", "$5,000,001 to $25,000,000: 0.3% a year", "Above $25,000,001: 0.25% a year" ], "quotes": [ "XYPN Sapphire offers investment management services for an annual fee (also referred to as “management fee”) based on the total amount of each RIA’s assets under XYPN Sapphire ’s management according to a cliff fee schedule. Once an RIA hits the breakpoint, all assets under management are charged at the new breakpoint fee in accordance with the following fee schedule.", "FROM $0 TO $5,000,000 0.35% \nFROM $5,000,001 TO $25,000,000 0.30% \nABOVE $25,000,000 0.25%" ] } ], "values": { "tiers": [ { "min": 0.0, "max": 5000000.0, "rate_pct": 0.35 }, { "min": 5000001.0, "max": 25000000.0, "rate_pct": 0.3 }, { "min": 25000001.0, "max": null, "rate_pct": 0.25 } ], "range_pct": null, "max_pct": null, "account_minimum": null, "minimum_annual_fee": null, "planning": [] }, "quotes": [ "XYPN Sapphire offers investment management services for an annual fee (also referred to as “management fee”) based on the total amount of each RIA’s assets under XYPN Sapphire ’s management according to a cliff fee schedule. Once an RIA hits the breakpoint, all assets under management are charged at the new breakpoint fee in accordance with the following fee schedule.", "FROM $0 TO $5,000,000 0.35% \nFROM $5,000,001 TO $25,000,000 0.30% \nABOVE $25,000,000 0.25%" ], "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable." }, "custodians": [ { "name": "Altruist Financial LLC", "name_as_filed": "ALTRUIST FINANCIAL LLC", "affiliated": false }, { "name": "Charles Schwab & Co., Inc.", "name_as_filed": "CHARLES SCHWAB & CO., INC.", "affiliated": false } ], "custodians_note": "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.", "markdown_url": "https://advisorcensus.com/firm/xypn-sapphire-bozeman-mt-285967.md", "clients": [ { "type": "individuals", "label": "Individuals (other than high net worth individuals)", "count": 539, "fewer_than_5": false, "raum": 638178942.0 }, { "type": "high_net_worth_individuals", "label": "High net worth individuals", "count": 182, "fewer_than_5": false, "raum": 300986354.0 }, { "type": "banking_thrift", "label": "Banking or thrift institutions", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "investment_companies", "label": "Investment companies", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "business_development_companies", "label": "Business development companies", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "pooled_investment_vehicles", "label": "Pooled investment vehicles (other than investment companies and business development companies)", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "pension_profit_sharing", "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)", "count": 14, "fewer_than_5": false, "raum": 97546610.0 }, { "type": "charitable", "label": "Charitable organizations", "count": 9, "fewer_than_5": false, "raum": 3679871.0 }, { "type": "state_municipal", "label": "State or municipal government entities (including government pension plans)", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "other_investment_advisers", "label": "Other investment advisers", "count": 43, "fewer_than_5": false, "raum": 210221240.0 }, { "type": "insurance_companies", "label": "Insurance companies", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "sovereign_wealth_foreign_official", "label": "Sovereign wealth funds and foreign official institutions", "count": 0, "fewer_than_5": false, "raum": 0.0 }, { "type": "corporations_other_businesses", "label": "Corporations or other businesses not listed above", "count": 9, "fewer_than_5": false, "raum": 2863782.0 }, { "type": "other", "label": "Other", "count": 0, "fewer_than_5": false, "raum": 0.0 } ], "disclosure_line": "Reports 4 disclosure items on Form ADV Item 11.", "indexable": true, "suppressed": false, "claimed": false, "enhanced": false, "provided_by_the_firm": null, "source": { "name": "Form ADV", "as_of": "2026-10-01", "iapd_url": "https://adviserinfo.sec.gov/firm/summary/285967", "operator": "BH Monitor Services, LLC", "license": "https://creativecommons.org/licenses/by/4.0/", "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data" } }