XYPN Sapphire

Ryan Johnson is the founder of Hundred Financial Planning, where he works with high-earning individuals and families to bring more clarity, intentionality, and confidence to their financial lives. His approach goes beyond investments, helping clients navigate the intersection of money, career, family, and long-term decision making with practical, personalized guidance on everything from taxes, benefits, investments, and more. Ryan is passionate about simplifying complex financial topics and regularly shares educational content online focused on helping people make smarter decisions with their money. Outside of work, he enjoys strength training, golf, reading, and spending time with his wife and children in West Michigan.

Ryan Moak is a financial advisor with XYPN Sapphire, holding Series 63 and Series 65 designations. He has been with XYPN Sapphire and Quinncore Financial, LLC since 2026. Prior to entering the financial advisory field, Moak worked for Lloyds Banking Group for 13 years and was involved in home care and venture activities. XYPN Sapphire provides investment management and financial planning to individuals, trusts, estates, business entities, and retirement plans. The firm’s investment approach is long-term and risk-based, utilizing diversified portfolios and incorporating both discretionary and non-discretionary management, with a pilot program for digital-asset management.

Patrick Schulte is a financial advisor at XYPN Sapphire with a Series 65 credential and one year of industry experience. He previously worked at Wanderer Financial LLC for nine years and joined Rudder Financial a year ago. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm follows a long-term, risk-based investment approach informed by Modern Portfolio Theory and offers services including discretionary portfolio management, integrated financial planning, and a pilot digital-asset management program.

Jeffrey Baumgartner is a CFP® professional with one year of industry experience. He currently serves at XYPN Sapphire and J.B. Wealth Strategies, LLC. Prior to his advisory roles, he worked at First International Bank & Trust, Accredited Investors Wealth Management, and PricewaterhouseCoopers. XYPN Sapphire provides investment management and financial planning services 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 corporate RIA model.

Kevin grew up as the son of a small business owner, learning firsthand the challenges and rewards of running a business. As an undergraduate student at James Madison University, he double-majored in Media Arts and Economics, combining a love of storytelling with a curiosity about how money shapes our lives. He began his career in corporate banking during the Great Recession—an experience that quickly reinforced the importance of managing debt, building emergency reserves, and planning for uncertainty. Over the next decade, Kevin worked closely with individuals and business owners while earning his MBA with a concentration in Finance. ​Over time, as the banking industry grew larger and more transactional, he realized he missed the part of the work he valued most: building meaningful, personal relationships with clients. An opportunity to teach finance at JMU’s College of Business ignited his passion for education and ultimately led him to earn the Certified Financial Planner® designation in 2022. At the heart of Kevin’s work is one simple goal: reducing financial anxiety so families can live their lives fully.​ Kevin takes an educator’s approach to financial planning. Rather than telling clients what to do, he focuses on explaining options, outlining trade-offs, and helping them make informed decisions. By intentionally limiting the number of families he serves, Kevin is able to stay deeply involved, responsive, and present. For many clients, he becomes the first call during both celebrations and challenges—whether that’s a new job, a growing family, a loss, or a major life transition.

I help people who are near (or in) retirement with retirement income, Social Security and tax decisions, investing, and more. I've been doing this for over 20 years, and would love to talk. 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 resources like Social Security or pension income, plus any assets earmarked for retirement, like IRAs and 401(k) plans. Then, we review your desired spending. 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. 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. 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 Medicare's 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. 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 also have the Retirement Management Advisor (RMA®) designation. In the past, I wrote as a freelance writer covering personal finance, loans, insurance, retirement, early retirement, and more for 20+ years. Let’s talk: Visit my website's Contact page to start the conversation! Read articles about retirement planning and learn more about Justin Pritchard here: https://www.approachfp.com/

Matthew Nadell is a Series 65-licensed financial advisor with 16 years of industry experience. He is currently affiliated with XYPN Sapphire and Nadell Wealth, LLC and has prior experience at Avatar Securities, LLC and Great Point Capital, LLC. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm utilizes a long-term, risk-based allocation approach informed by Modern Portfolio Theory and supports a network of affiliated advisors through centralized back-office, compliance, and model portfolio services.

Brian Muller is a financial advisor at XYPN Sapphire with 29 years of industry experience. He holds a Series 63 designation and has previously worked at Edward Jones and Total Wealth Advisors, LLC. Outside of his advisory role, he serves as Executive Director of the Amie Muller Foundation, a nonprofit supporting families affected by pancreatic cancer. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans, with an emphasis on long-term, risk-based allocation using diversified portfolios. The firm supports affiliated advisors through centralized back-office and compliance services and offers unique programs in digital-asset management.

Marianne Poon is a CFA® charterholder with two years of experience in financial advising, currently affiliated with XYPN Sapphire. Prior to her current role, she worked at Onyx Financial, XYPN Invest, and Woodmont Financial Partners LLC. Outside of finance, she serves as Director of Music Education for iMusicMe and is self-employed as a piano technician specializing in tuning and repairs. 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 and offers both discretionary and non-discretionary management, as well as financial planning and sponsored TAMP services.

Deivanayak Balakrishnan is a CFP® and Series 66 registered advisor with four years of industry experience. He currently works at XYPN Sapphire and WBI Advisory LLC and has prior experience at Certified Insurance Corp, Certified Advisory Corp, Fortune Financial Services, and Siemens Energy Inc. Outside of his advisory roles, he is involved in insurance sales with Certified Insurance Corp. 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 utilizing diversified portfolios and offers both discretionary and non-discretionary management, with an emphasis on human oversight and digital asset management initiatives.

Joel Harvard IV is a financial advisor at XYPN Sapphire with a background in accounting and client management. He has previously worked at M. Jeffrey Martin CPA LLC, Harvard and Associates, CPA, and Ernst & Young. Although new to the financial advisory industry, he has experience overseeing client communication in a CPA firm setting. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, businesses, and retirement plans. The firm emphasizes a long-term, risk-based allocation strategy and offers tailored plans supported by a corporate RIA structure and innovative digital-asset management initiatives.

Alexa Ashi is a financial advisor with XYPN Sapphire, holding a Series 65 designation and one year of industry experience. She has worked with XYPN Invest and XY Planning Network since 2024 and has previous experience at Investment Advisory Services Group LLC and other firms. Outside of advising, she is involved with ASAP Support Services LLC. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, businesses, and retirement plans. The firm utilizes a long-term, risk-based investment approach based on Modern Portfolio Theory and supports affiliated advisors through centralized compliance and model portfolio services.

Moshe Green is a financial advisor with XYPN Sapphire in Jackson, NJ. He holds a Series 65 designation and has been a student since 2016. 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 and integrates adviser-tailored plans with oversight of AI tools and emerging digital-asset management programs.

John Jenkins is a CFP® professional with 27 years of industry experience. He currently serves as an advisor at XYPN Sapphire and Dove Valley Wealth Management, LLC. Previously, he worked at GWFS Equities, Inc. and Advised Assets Group, among others. In addition to his advisory roles, he provides part-time tax preparation services as a seasonal tax preparer. XYPN Sapphire provides investment management and financial planning to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based investment approach based on Modern Portfolio Theory, offering both discretionary and non-discretionary portfolio management along with integrated financial planning and sponsored TAMP services.

Nate Baim, CFP®, MBA My name is Nate Baim, and I'm a financial planner who enjoys helping working professionals and professional nearing retirement plan their pursuits. You will quickly learn I am interested in learning about your desired pursuits. I will work with you to best understand how to manage your financial responsibilities and risks within the context of your goals. My process will help us understand how each of your goals will impact your pursuit and bring clarity to your unique circumstance. Because I believe in ongoing financial planning, I place a strong focus on actionable strategies, accountability, and monitoring of your ever-evolving plan. ​For a long time, I was interested in the financial planning profession. However, I was turned off by the stereotypical pushy salesmanship reputation accompanying the title "financial advisor." So, when I chose to establish Pursuit Planning and Investments, LLC, I resolved to do it differently. I designed Pursuit Planning and Investments, LLC, to serve the interest of our clients. I take great pride in that we are an independent firm not beholden to selling products. As a Fee-Only firm we are focused on providing our best advice. ​My pursuit thus far has been focused on exploration, education, and growth. After graduating from Indiana University's Kelley School of Business with a finance degree, I had a strong desire to explore and travel. I moved away from my home state, Indiana, to volunteer with AmeriCorps. Here I served to work on and led back-country trail maintenance teams. This led me to become interested in the intersection between sustainability and finance. Thus, I went back to school, and I earned an MBA at Willamette University's Atkinson Graduate School of Management, focused on sustainability management and investment finance. Before launching Pursuit Planning and Investments, LLC, I worked in Oregon's Silicon Forest for a Fortune 500 company as a strategic financial analyst for a large semiconductor company. On my weekends, you will often find me someplace away from the city, hiking, backpacking, camping, or exploring with my wife and kids.