XY Investment Solutions operates as a third-party asset management platform for independent registered investment advisors through its XYPN Sapphire TAMP brand. The firm constructs and manages a variety of model portfolios composed of mutual funds, exchange-traded funds, and individual securities using a long-term, globally diversified approach based on modern portfolio theory. Independent advisors choose these model portfolios for their individual clients, and XY Investment Solutions maintains the authority to execute trades and rebalance accounts within the models without asking first. The firm offers several standard asset allocation models, such as globally diversified equity and fixed-income portfolios, socially responsible investing options, and biblically responsible investing strategies, along with access to third-party model portfolios. XY Investment Solutions primarily serves institutional relationships and independent financial advisors rather than directly managing money for retail investors, though it provides underlying investment management infrastructure for client accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $5.0M | 0.35% |
| $5.0M - $25.0M | 0.30% |
| $25M+ | 0.25% |
Fees apply to clients of advisors who are current members of XY Planning Network. Members who terminate their network membership experience a 0.05% fee increase. Fees may be negotiable based on anticipated future asset growth and account composition.
