XYPN Sapphire

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.

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 65 and Series 63 licenses. He began his advisory career in 2026 and previously worked at Lloyds Banking Group for 13 years. Prior to his current roles, he was involved with several ventures including iQ Home Care and Quincove Ventures. 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, supported by a corporate RIA structure and innovative digital-asset programs.

Cherry Phan is a CFA® charterholder with eight years of industry experience. She is currently with XYPN Sapphire and previously worked at Durbin Bennett Private Wealth Management, LLC for nine years. Phan is a passive investor in a software company based in Austin, TX. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm emphasizes a long-term, risk-based investment approach using diversified portfolios and offers both discretionary and non-discretionary management along with sponsored TAMP services.

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.

Cole Setzer is a Series 65 licensed advisor at XYPN Sapphire with one year of industry experience. He has held roles at XYPN Invest and Setzer Financial since 2025 and serves as a Major in the United States Army. Outside of advising, he is treasurer of Setzer Construction, a construction company. XYPN Sapphire provides investment management and financial planning to individuals, trusts, estates, business entities, and retirement plans. The firm uses a long-term, risk-based allocation approach with diversified portfolios and is piloting digital-asset management services.

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.

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, like IRAs and 401(k) plans. 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. 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 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. Portfolios and recommendations are primarily index-based, consisting of low-cost 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 also have the Retirement Management Advisor (RMA®) designation. I’ve also written about personal finance, loans, insurance, retirement, early retirement, and more for the past 20+ years. Let’s talk! 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.