Baltimore, MD Office

Updated today
XYPN Sapphire logo

XYPN Sapphire

Multi-team

Firm-wide stats for XYPN Sapphire

Total advisors

63

Across 59 offices

Clients per advisor

11 Very Low

Avg AUM per client

$1,302,587 High

HNW client ratio

25% Typical

About

XY Investment Solutions, LLC (doing business as XYPN Sapphire) provides investment management and financial planning to individuals (including high‑net‑worth clients), trusts, estates, business entities, and retirement plans. The firm offers both discretionary and non‑discretionary portfolio management, standalone and integrated financial planning, and sponsored TAMP services.

The firm’s investment approach emphasizes a long‑term, risk‑based allocation informed by Modern Portfolio Theory, implemented through diversified mixes of mutual funds, ETFs, individual securities, and periodic rebalancing. Adviser-tailored plans are monitored by a designated IAR, may employ third‑party subadvisors or separate account managers when appropriate, rely on documented human oversight of any AI tools, and the firm is piloting a digital‑asset management program using a qualified third‑party custodian.

XYPN Sapphire operates as a corporate RIA supporting nearly 50 affiliated advisors who may maintain their own DBAs under the single RIA, and it is wholly owned by XY Planning Network — a structural model that centralizes back‑office, compliance, and model portfolio services. Notably, the firm offers its model portfolios and related services to other independent RIAs and hosts a small pilot for custody and management of tokenized/digital asset securities with Prometheum, an arrangement that is uncommon among multi‑team peers.

Based on XYPN Sapphire

Location

Baltimore MD

Advisors at this office

1

Advisors at this office

Lindsey Y

CFP®, TPCP®, EA

Baltimore, MD

XYPN Sapphire

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

General retirement planning LGBTQIA Mid-Career Professionals Gen X (Born 1965-1980)
View complete list of advisors at this office
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