XYPN Invest

Focused on creating an organization that could provide comprehensive and integrated investment management, financial, tax and estate planning, and business advisory services. Today, Hoeven Wealth has a comprehensive network of partners to ensure continuity and consistency across your financial life. Though originally from the Netherlands, Brennain is nearly a lifelong native of the Northwest. He completed his undergraduate degrees in Accounting and Business Administration at University of Washington and postgraduate in Financial Strategy at University of Oxford, graduating with Distinction.

Cherry Phan is a CFA® charterholder and holds a Series 66 license, with 8 years of industry experience. She is currently with XY Investment Solutions, LLC, where she has worked since 2024, following a nine-year tenure at Durbin Bennett Private Wealth Management, LLC. Outside of her advisory role, she is a passive investor in a software company based in Austin, TX. XY Investment Solutions, LLC (operating as XYPN Sapphire) provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based investment approach using diversified portfolios informed by Modern Portfolio Theory and supports nearly 50 affiliated advisors through a centralized operational model.

Patrick Schulte is a Series 65-registered advisor with XYPN Invest and has held advisory roles since 2016, including founding Wanderer Financial LLC. He is currently affiliated with XYPN Sapphire and Rudder Financial. XYPN Sapphire provides investment management and financial planning to individuals, trusts, estates, business entities, and retirement plans. The firm follows a long-term, risk-based allocation strategy informed by Modern Portfolio Theory and supports nearly 50 affiliated advisors through a centralized operational model.

Cole Setzer is a financial advisor at XYPN Invest with a Series 65 credential and no prior industry experience. He serves as a major in the United States Army and is treasurer of Setzer Construction, a construction company. XYPN Invest is a multi-team registered investment adviser supporting nearly 50 affiliated advisors and offers investment management and financial planning services emphasizing long-term, risk-based asset allocation.

Jeffrey Baumgartner is a CFP® at XYPN Invest with one year of industry experience. He previously worked at First International Bank & Trust and PricewaterhouseCoopers. His background includes experience in wealth management and financial services. XYPN Invest provides investment management and financial planning to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based allocation approach informed by Modern Portfolio Theory and offers both discretionary and non-discretionary portfolio management.

Kevin Flint is a CFP® and Series 66–registered financial advisor with three years of industry experience, currently with XYPN Invest in Harrisonburg, VA. His prior roles include positions at Hess Financial, Commonwealth Financial Network, and Truist Bank. Flint has served as a teacher at James Madison University since 2019 and is a member of the Rockingham County Planning Commission and citizen committee. XYPN Sapphire, the firm where Flint works, provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based investment approach using diversified portfolios and supports nearly 50 affiliated advisors under a centralized operational model.

Get clarity on your finances. Figure out when you can retire, what you're on track for, how much you can spend, when to take Social Security, how to invest your retirement nest egg, and more. Whether we do detailed planning or you just want to ask some questions, you'll be better informed. We generally take stock of your resources like Social Security or pension income, plus any assets earmarked for retirement. Then, we review your projected spending, including potential changes to spending over time. All the while, we keep taxes, investment returns, inflation, and other factors top-of-mind. And we can run various what-if scenarios to take an optimistic or pessimistic view—or just explore possibilities. How do we work together? It's your choice: Do it yourself, or have me handle your investments—you are not required to transfer assets or invest any minimum amount. Options include flat-fee or one-time project work, asset management, and other arrangements. You can choose a model that meets your needs and feels right for you. Get a second set of eyes, ask a few questions online, get a quick investment review, or go with an ongoing relationship. With that information, you can make informed decisions. Can you retire early? How much can you spend after taxes? Does it make sense to pursue strategies like Roth IRA conversions (to avoid IRMAA surcharges and manage taxes)? Are annuities worth looking at, and should you keep the products somebody else sold you? When it comes to investing, I favor a simple approach. Portfolios and recommendations are primarily index-based, consisting of mutual funds or ETFs. I do not receive any commissions for selling products, and I'm not a fan of active trading or picking individual stocks. Let's get things figured out so you can move on to more important things in life. Whether you prefer to spend time with loved ones, get outdoors, or enjoy other pursuits, completing those necessary financial tasks makes it easier. I earned an MBA and MSIS from the University of Colorado in 2003 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2010. I first got licensed with a financial firm in 2000. I’ve also written about personal finance, loans, insurance, retirement, early retirement, and more for the past 15+ years. Let’s talk! Read articles about retirement planning and learn more about Justin Pritchard here: https://www.approachfp.com/

Brian Muller is a financial advisor at XYPN Invest with 29 years of industry experience. He holds a Series 63 designation and has worked at Edward Jones, Total Wealth Advisors, and XY Investment Solutions. Muller is the Executive Director of the Amie Muller Foundation, a nonprofit supporting families affected by pancreatic cancer. XY Investment Solutions, doing business as XYPN Sapphire, provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based investment approach and supports nearly 50 affiliated advisors through a centralized corporate structure.

Marianne Poon is a CFA® charterholder with two years of experience at XYPN Invest and one year at Onyx Financial. She has also worked at Woodmont Financial Partners LLC. Outside of finance, she is the Director of Music Education for iMusicMe and is self-employed as a piano technician specializing in tuning and repairs. XYPN Invest serves individuals, trusts, estates, business entities, and retirement plans with both discretionary and non-discretionary portfolio management and financial planning. The firm uses a long-term, risk-based investment approach with diversified portfolios and incorporates AI oversight and digital-asset management through third-party custodians.

Deivanayak Balakrishnan is a CFP® and Series 66-registered advisor with Certified Advisory Corp, bringing four years of industry experience. He previously worked at Siemens Energy Inc for 20 years and has held roles at Fortune Financial Services and Certified Insurance Corp. Certified Advisory Corp serves a diverse client base including individual investors, retirement accounts, trusts, and employer-sponsored plans. The firm offers personalized, goal-driven investment advisory and financial planning services, combining traditional portfolio management with digital advisory platforms and comprehensive plan-level consulting.

Alexa Ashi is a financial advisor at XYPN Invest with a Series 65 designation and over five years of industry experience. Her prior roles include positions at Investment Advisory Services Group LLC and involvement with ASAP Support Services LLC. She has also held roles outside the advisory field, including work at Florida Gulf Coast University and in healthcare. XYPN Invest operates as a multi-team RIA offering investment management and financial planning to individuals, trusts, business entities, and retirement plans. The firm employs a long-term, risk-based allocation strategy using diversified portfolios and utilizes third-party subadvisors and digital-asset management programs.

Ryan Johnson is a financial advisor with XYPN Invest in Bozeman, MT, holding Series 63 and Series 65 licenses and three years of industry experience. He has worked at XY Investment Solutions, LLC since 2024 and previously held roles at WaterRock Financial and LPL Financial. Outside of financial advising, he has experience working in sports retail and nonprofit organizations. XY Investment Solutions, LLC (doing business as XYPN Sapphire) provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm uses a long-term, risk-based allocation strategy based on Modern Portfolio Theory and offers both discretionary and non-discretionary portfolio management, supporting nearly 50 affiliated advisors under a centralized RIA structure.

Lindsey Young, CFP® is the founder of Quiet Wealth, a financial planning and wealth management firm serving successful LGBTQ professionals and retirees. Lindsey is based in Baltimore, MD and serves clients across the country. Lindsey started Quiet Wealth to provide the comprehensive set of financial advisory services that successful LGBTQ professionals and their families need. Prior to founding Quiet Wealth, Lindsey spent fifteen years in Silicon Valley finance, primarily as an investment banker working on mergers and acquisitions, IPOs, leveraged finance and other transactions for technology companies. She leverages her deep background in finance to help Quiet Wealth clients achieve their goals. She also has extensive experience providing strategic and financial advice to businesses of all sizes in multiple industries. Lindsey received an MBA from Harvard Business School, where she concentrated her studies on finance and entrepreneurial management. She earned her BA from Williams College, where she majored in economics and psychology. Lindsey is an Investment Adviser Representative and is licensed as an insurance Adviser in the State of Maryland. Lindsey is also a CFP® professional, an Enrolled Agent admitted to practices before the IRS, a Tax Planning Certified Professional®, a Certified Exit Planning Adviser® and a member of the Baltimore Estate Planning Council. Lindsey also provides tax preparation services through an affiliated entity, QW Tax Preparation. Lindsey has a long history of advising non-profits. She previously served as the board president of FreeState Justice, the leading statewide LGBTQ advocacy organization in Maryland. She is also a returned Peace Corps volunteer, having served two years in Armenia as a small business advisor. Lindsey is a native of Baltimore, and after a globetrotting career, she is happy to be back home in Maryland. In her free time, she enjoys playing tennis, singing in her church choir, and rooting for her Orioles. Quiet Wealth offers advisory services through XY Investment Solutions, LLC, an SEC-registered investment adviser. Link to disclosures: https://xypnsapphire.com/disclosures

Fee-Only Financial Planning for the Federal Agent Community. We Know You…Because We Are You At Valor Wealth Partners, we know that you want clarity over your finances now so that you can have options later. The problem is, there’s so much conflicting noise and chaos surrounding money – and life – that you don’t know where to start. As Federal Agents ourselves, we’ve lived through the financial confusion you’re facing. That’s why we are tenacious in finding solutions unique to the problems faced by Federal Agents. We collaborate with families who are willing to test their mettle and rise against the status quo of overconsumption, needless fears of missing out and confusing financial jargon. We humbly aim to guide you in the footsteps of St. Michael as we offer sage, insightful advice and stand with you in the Battle for Financial Independence. It's time to live the adventure of today...with a plan for tomorrow. Secure your financial home front and Be the Hero for You and Yours!

Mark Evers is a Certified Financial Planner® with 11 years of industry experience, currently serving as an advisor at XYPN Invest. He has held previous roles at firms including Strategic Financial Concepts, Imperium Wealth Management, and Elation Wealth. In addition to his advisory work, Evers is a clinical assistant professor and financial planning program director at the University of North Texas. XYPN Invest provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based allocation strategy using diversified portfolios and offers both discretionary and non-discretionary management, supported by designated advisors and third-party subadvisors.