No need to stress about the future, advisors in the Network can help pre-retirees and retirees turn savings into sustainable income and long-term peace of mind.
build a better retirement plan
Real Advice for Real Life
Whether you’re planning years ahead or already retired, the right advisor makes retirement feel achievable, not overwhelming. XYPN advisors help you define your goals, map a clear path, and adjust as life changes—so you can enjoy your retirement with confidence and peace of mind.
Every advisor in XYPN’s Find an Advisor Search Portal is vetted, credentialed, and in good standing. That means you can relax knowing your plan is built around your needs and backed by trusted expertise.
2,200+
Advisors in the Network
1,600+
CFP® professionals
100%
Fiduciaries
Personalized Support
Get a plan tailored to your lifestyle, income, and retirement goals—designed to adapt as your life changes.
Trusted Experts
Ditch the "What If" worries. Every advisor is vetted, credentialed, and in good standing so you can trust the plan and the person guiding it.
No Commissions
Fee-only means you pay directly for advice—not through commissions or hidden product fees.
Fiduciary
XYPN advisors are fiduciaries, meaning they're paid directly by you, keeping sales and advice separate.
The Right Advice at the Right Time
Worried that you’re behind the ball with your retirement plan? You’re not alone. Find an advisor who meets you where you’re at without judgment or prejudice. That’s real advice for real life.
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Navigate retirement with confidence
What Are Your Retirement Goals?
Your advisor can help with every aspect of your estate plan, from reviewing beneficiary designations and trust strategies to coordinating with your attorney or tax professional to ensure your wishes are carried out smoothly. You’ll have an expert partner in the Network who understands how to build a cohesive, values-driven strategy.
The age-old question: Am I going to be able to afford my healthcare in retirement? It’s one of the biggest concerns retirees face. XYPN advisors help turn the focus on living well, not worrying about the bills.
From estimating Medicare premiums and out-of-pocket healthcare costs to planning for long-term care and health savings account (HSA) strategies, your advisor will help you build a plan for your needs.
Whether you’re preparing for retirement or already enjoying it, XYPN advisors who specialize in tax planning offer the right level of support to keep your money working for you.
From tax-efficient withdrawal strategies and Roth conversions to RMD management and long-term income planning, they’ll help you minimize taxes and maximize what you keep.
XYPN advisors can create a personalized investment withdrawal strategy designed to support your income needs, minimize taxes, and protect your portfolio from unnecessary risk. From asset allocation and rebalancing to tax-efficient drawdowns and long-term income planning, they’ll help ensure your money lasts.
How to Find the Right Retirement Advisor
Advisors in the Network help you turn savings into sustainable income with guidance from a financial advisor for retirement planning who understands Social Security, Medicare, and long-term income strategies.
Search by Specialty
Start by applying the 'Retirement' filter. This will surface all CFP® XYPN advisors who understand the financial decisions that matter most as you approach retirement.
Filter for Retirement Situation
Look for advisors with experience in your situation. Filter down your search by selecting Social Security optimization, Medicare and healthcare planning, estate planning, and more.
Connect with Multiple Advisors
Retirement planning is a long-term relationship. Reach out to several advisors before deciding who’s the best fit for your goals.
What Questions Should You Ask a Retirement Financial Advisor?
Looking to vet advisors you're interested in working with? Use our guide to help calculate your next move, and your advisor check-up plan with this comprehensive list of questions.
Additional resources ↘
Good Financial Reads: Make Every Dollar Work Harder in Retirement
Creating a Retirement Paycheck
Good Financial Reads: Pre-Retirement Prep
Frequently Asked Questions
Use the Find an Advisor search to filter by location, specialty, or service model. You can view profiles, compare expertise, and schedule consultations to find the perfect match for your retirement planning needs.
Absolutely. Many XYPN advisors serve clients through flat-fee, hourly, or subscription models, making professional financial advice accessible to people at every stage.
Advisors in the Network provide a wide range of services, including (but not limited to) retirement planning, investment management, tax strategy, debt reduction, and financial goal-setting.
XYPN's Find an Advisor search exclusively features CFP® professionals who are fiduciaries and fee-only, so you can skip the guesswork and connect with someone who’s truly focused on you.
It’s never too early, or too late, to start. Whether you’re ten years out or already in retirement, an XYPN advisor can help you build or refine a strategy that supports your lifestyle, tax goals, and long-term security.
There’s no one-size-fits-all strategy. Your XYPN advisor will design a personalized withdrawal plan that balances your income needs, tax impact, and portfolio longevity.
XYPN is a Network of independent, fee-only financial advisors committed to serving clients with transparency and care. Every advisor in the Network acts as a fiduciary, meaning they’re required to put your best interests first.
XYPN members listed on the Find an Advisor search must hold a CFP® designation, offer fee-only planning, sign a fiduciary oath, provide virtual services, and remain in good standing.
Hold a CFP® Designation
The Find an Advisor search portal connects you with planners in the Network who hold a CFP® certification—representing a commitment to the highest standards of education and experience.
Offer Fee-Only Planning
A fee-only service model makes financial planning accessible and affordable for anyone seeking advice—whether or not they have assets to manage.
Sign a Fiduciary Oath
Financial advisors in the Network must uphold a fiduciary standard to keep sales and advice separate—think: your doctor versus a pharmaceutical rep.
Provide Virtual Services
Physical location should not limit your access to financial planning. Advisors in the Network provide services virtually as needed.
Remain in Good Standing
Financial advisors in the Network undergo a strict screening process to ensure there are no bad apples. Read more about the BrokerCheck screening process.
