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They include 539 individual clients, 182 high-net-worth individuals and 43 other investment advisers.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Xy Investment Solutions offer?","answer":"Xy Investment Solutions provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Xy Investment Solutions use?","answer":"Xy Investment Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $861M and Altruist Financial LLC (Culver City, CA), with $6. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Xy Investment Solutions have?","answer":"Xy Investment Solutions has 0 investment adviser representatives registered with state securities authorities, out of 69 employees, and 60 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Xy Investment Solutions invest in?","answer":"At the end of its last fiscal year, Xy Investment Solutions’ separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 7% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Xy Investment Solutions?","answer":"Xy Investment Solutions is owned through a holding company by Robert Moore and Michael Kitces. Its direct owner is Xy Planning Network LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 16 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Xy Investment Solutions get paid?","answer":"Xy Investment Solutions is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Xy Investment Solutions?","answer":"Xy Investment Solutions’ main office is at 24 E. Main Street, Bozeman, MT 59715. Its phone number is 360-301-7579.","source":"Form ADV Part 1A, Item 1.F, filed 16 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}