XYPN Sapphire connects individuals with financial advisors who provide fee-only, fiduciary financial planning and investment management. As part of XY Planning Network (XYPN), it helps people find professional guidance from member firms committed to putting clients’ interests first. Advisors sign a fiduciary oath, offer planning regardless of whether clients have assets to manage, and keep financial advice separate from product sales. Member firms are screened and subject to ongoing compliance management, while advisors maintain professional education and experience through certifications and continuing education.

Sapphire firms take a holistic approach, considering each client’s values, goals, concerns, and circumstances when developing a financial plan. They can provide services virtually, helping make advice accessible beyond clients’ local areas. The platform supports the search process with advisor profiles and a financial advisor interview guide, so prospective clients can compare firms and prepare for introductory meetings.

XYPN also supports independent fee-only planners through education, training, technology, compliance resources, community, and back-office and client support. Its stated aim is to make trusted financial advice more accessible.