A. XY Investment Solutions, LLC (the “Adviser,” “we,” “us,” or “our”) is an investment
adviser founded in 2016, registered with the U.S. Securities and Exchange
Commission (“SEC”) since 2020, and principally owned by XY Planning Network, Inc.
B. Adviser offers the following types of advisory services:
i.Discretionary Investment Management. Adviser provides ongoing
discretionary investment management services to its clients based upon
each client’s current financial condition, goals, risk tolerance, income,
liquidity requirements, investment time horizon, and other information that
is relevant to the management of clients’ account(s). This information will
then be used to make investment decisions that reflect clients’ individual
needs and objectives on an initial and ongoing basis. Adviser’s investment
decisions will allocate portions of clients’ account(s) to various asset classes
classified according to historical and projected risks and rates of return.
Adviser will retain the discretion to buy, sell, or otherwise transact in
securities and other investments in a client’s accounts without first receiving
the client’s specific approval for each transaction. Such discretionary
authority is granted by a client in his or her investment management
agreement with Adviser. Clients may impose restrictions on investing in
certain securities or types of securities so long as such restrictions may
reasonably be implemented by Adviser.
Adviser generally implements its investments strategy by allocating clients’
investable assets across a diversified risk-based portfolio, which may include
assets such as no-load mutual funds and/or exchange traded funds (“ETFs”),
stocks, bonds, certificates of deposit, municipal securities, U.S. Government
securities, money market funds, and real estate investment trusts (“REITs”).
This portfolio is rebalanced periodically to remain in-line with the client’s
agreed-upon asset allocation, though the asset allocation may be changed
from time to time based on changes to a client’s specific situation. Clients
may impose restrictions on investing in certain securities or types of
securities so long as such restrictions may reasonably be implemented by
Adviser.
ii.Financial Planning. When rendering financial planning services (which may be
provided either in connection with investment management services or as a
standalone service), Adviser will evaluate and make recommendations with
respect to various financial planning topics that are relevant to a particular
client. Such topics can include, for example, retirement planning, education
savings, cash flow management, debt reduction, estate planning, insurance
needs, risk mitigation, tax planning, charitable giving strategies, and/or
financial goal tracking. Implementation of Adviser’s recommendations will be
at the discretion of the client. Adviser may also facilitate tax preparation
services
for clients by a third-party, the cost of which will either be borne by
the client or Adviser, as provided in the client’s investment advisory
agreement.
When rendering financial planning services, a conflict exists between
Adviser’s interests and the interests of its clients; clients are under no
obligation to act upon Adviser’s financial planning recommendations. If a
client elects to act on any of the recommendations made by Adviser, the
client is under no obligation to effect the transaction through Adviser or any
of its personnel.
C. Adviser tailors its advisory services to the individual needs of its clients by taking the
time to understand clients’ current financial condition, goals, risk tolerance, income,
liquidity requirements, investment time horizon, and other information that is
relevant to the management of clients’ account(s). This information will then be used
to make investment decisions or recommendations that reflect clients’ individual
needs and objectives on an initial and ongoing basis. Adviser’s recommendations
will allocate portions of clients’ account(s) to various asset classes classified
according to historical and projected risks and rates of return. Clients may impose
restrictions on investing in certain securities or types of securities so long as such
restrictions may reasonably be implemented by Adviser.
D. Adviser does not participate in any wrap fee programs.
E. When we provide investment advice to you regarding your retirement plan account
or individual retirement account, we are fiduciaries within the meaning of Title I of
the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue
Code (the “Code”), as applicable, which are laws governing retirement accounts. The
way we make money creates some conflicts with your interests, so we operate
under a special rule that requires us to act in your best interest and not put our
interest ahead of yours. Under this special rule’s provisions, we must:
i.Meet a professional standard of care when making investment
recommendations (give prudent advice);
ii.Never put our financial interests ahead of yours when making
recommendations (give loyal advice);
iii.Avoid misleading statements about conflicts of interest, fees, and
investments;
iv.Follow policies and procedures designed to ensure that we give advice that is
in your best interest;
v.Charge no more than is reasonable for our services; and
vi.Give you basic information about conflicts of interest.
F. Adviser manages the following amount of discretionary and non-discretionary client
assets calculated as of 12/31/23:
i.Discretionary: $132,965,909
ii.Non-Discretionary: $0
iii.Total: $132,965,909
It should be noted that the reported amounts are inclusive of Adviser’s total client
assets as of December 31, 2023 and do not include any assets attributable to XYPN
Sapphire, which only commenced in 2024.