INVESTMENT ADVISORY SERVICES

Fee-only portfolio management is offered on a select basis as well as to all Financial Life Planning Members


Investment Philosophy & Strategic Partnerships

As your Financial Life Planner, I believe the investment process and your portfolio should be connected to and driven by the personal goals and values of your financial plan. It should be sophisticated, yet not complicated. I also believe in the power of expertise and providing my clients access to some of the best investment minds in the business. To that point, I have partnered with XY Investment Solutions, LLC (“XYIS”) and gained access to their Investment Committee to construct and continuously review client portfolios.

XY Investment Solutions is exclusively designed to serve the members of XY Planning Network (“XYPN”) and is focused on delivering investment solutions for the modern advisor and client. They believe in the tenants of asset allocation and diversification, low cost, tax efficiency and discipline. They take a global view and believe in covering both the size and style spectrum with emphasis on value.

XYIS is a subsidiary of XYPN and custodies all assets at TD Ameritrade Institutional, an independent and unaffiliated custodial broker-dealer and member FINRA/SIPC. The Investment Committee boasts over 50 years of combined experience and includes industry luminary and XYPN Co-Founder Michael Kitces, XYPN Co-Founder Alan Moore, XYIS Director Brandon Moss and Mario Nardone, CFA who leads the Investment Committee.

Socially Responsible Investing (SRI) & Environmental Social Governance (ESG) Considerations

A growing number of investors would like social issues to be a primary consideration in portfolio design, and feel that their commitment to the investing process is stronger when a portfolio is aligned with their personal values. In order to honor this commitment, WWP and XYIS have partnered with Dimensional Fund Advisors (DFA) to provide low-cost portfolios that align with critical environmental, social, and corporate governance considerations.* Dimensional’s low-cost, institutional mutual funds are based on extensive research into what drives market returns over time, including the work of Eugene Fama, Recipient of the 2013 Noble Prize in Economics. We use Dimensional funds in our clients’ portfolios because of their rigorous approach to SRI analysis, their structured approach to investing, and their academic, data-driven investment philosophy.

*Environmental and social screens may limit investment opportunities.



Our Investment Team

Michael Kitces, MSFS, MTAX, CFP® , CLU, ChFC, RHU, REBC, CASL - Co-Founder, Investment Committee   Michael is a co-founder of XYPN, the practitioner editor of the Journal of Financial Planning, and the publisher of the e-newsletter The Kitces Report and the popular financial planning industry blog Nerd’s Eye View.  Michael is an active writer and editor across the industry and has been featured in publications including Financial Planning, the Journal of Financial Planning, Journal of Retirement Planning, as well as The Wall Street Journal, BusinessWeek, CNBC PowerLunch, NBC Nightly News, and more.  Michael is one of the 2010 recipients of the Financial Planning Association’s “Heart of Financial Planning” awards for his dedication to advancing the financial planning profession.

Michael Kitces, MSFS, MTAX, CFP® , CLU, ChFC, RHU, REBC, CASL - Co-Founder, Investment Committee

Michael is a co-founder of XYPN, the practitioner editor of the Journal of Financial Planning, and the publisher of the e-newsletter The Kitces Report and the popular financial planning industry blog Nerd’s Eye View.

Michael is an active writer and editor across the industry and has been featured in publications including Financial Planning, the Journal of Financial Planning, Journal of Retirement Planning, as well as The Wall Street Journal, BusinessWeek, CNBC PowerLunch, NBC Nightly News, and more.

Michael is one of the 2010 recipients of the Financial Planning Association’s “Heart of Financial Planning” awards for his dedication to advancing the financial planning profession.

Alan Moore, CFP® - Co-Founder, Investment Committee   Alan is the co-founder of XYPN, a support network for advisors looking to serve next-generation clients. He is also the CEO of AdvicePay, the first and only compliant payment processor for financial advisors. He is passionate about helping financial planners start and grow their own fee-only firms to serve Gen X & Gen Y clients largely ignored by traditional firms. Alan has been recognized by Investment News as a top “40 Under 40″ in financial planning, by Wealth Management as one of “The 10 to Watch in 2015″, and was the first recipient of the NAPFA Young Professional award in 2015. Alan frequently speaks on topics related to technology, marketing, and business coaching, and has been quoted in publications including The Wall Street Journal, Forbes and The New York Times. He is also the host of XYPN Radio, one of the largest podcasts for independent financial advisors. He currently lives in Bozeman, MT so that he can hit the slopes on powder days.

Alan Moore, CFP® - Co-Founder, Investment Committee

Alan is the co-founder of XYPN, a support network for advisors looking to serve next-generation clients. He is also the CEO of AdvicePay, the first and only compliant payment processor for financial advisors. He is passionate about helping financial planners start and grow their own fee-only firms to serve Gen X & Gen Y clients largely ignored by traditional firms. Alan has been recognized by Investment News as a top “40 Under 40″ in financial planning, by Wealth Management as one of “The 10 to Watch in 2015″, and was the first recipient of the NAPFA Young Professional award in 2015. Alan frequently speaks on topics related to technology, marketing, and business coaching, and has been quoted in publications including The Wall Street Journal, Forbes and The New York Times. He is also the host of XYPN Radio, one of the largest podcasts for independent financial advisors. He currently lives in Bozeman, MT so that he can hit the slopes on powder days.

Brandon Moss, CFP® - Director of XYIS, Investment Committee   A creative innovator and collaborator, Brandon has had a front-row seat to the digital advice revolution, helping build one of the most innovative national RIAs on the planet. He’s acquired a 360* view of the RIA landscape, from being an advisor and running his own firm to designing and integrating some of the most innovative tools in the industry. He has lead, trained, coached, onboarded, integrated, transitioned, (you name it) over 100 RIA firms/wealth management teams. Additionally, he's evaluated and consulted countless other firms. Consequently, he's an exceptional listener and comfortable in many different conversations! Occasionally, he's asked to opine on varying topics, typically Gen X+Y, innovation, client experience and technology. Beyond those topics, he's typically “winging it”.  Brandon graduated from Texas Tech University's globally recognized personal financial planning program, then made it through some Executive Education at UC Berkeley's Haas School of Business. He’s also perpetually in online classes trying to figure out something new. Brandon resides in the Dallas/Ft. Worth area with his wife, Shelby, and his identical, mirror-image twin boys, Will and Reese. When he's not with them, he's probably in his garage tinkering, building, or buying way too much golf equipment.

Brandon Moss, CFP® - Director of XYIS, Investment Committee

A creative innovator and collaborator, Brandon has had a front-row seat to the digital advice revolution, helping build one of the most innovative national RIAs on the planet. He’s acquired a 360* view of the RIA landscape, from being an advisor and running his own firm to designing and integrating some of the most innovative tools in the industry. He has lead, trained, coached, onboarded, integrated, transitioned, (you name it) over 100 RIA firms/wealth management teams. Additionally, he's evaluated and consulted countless other firms. Consequently, he's an exceptional listener and comfortable in many different conversations! Occasionally, he's asked to opine on varying topics, typically Gen X+Y, innovation, client experience and technology. Beyond those topics, he's typically “winging it”.

Brandon graduated from Texas Tech University's globally recognized personal financial planning program, then made it through some Executive Education at UC Berkeley's Haas School of Business. He’s also perpetually in online classes trying to figure out something new. Brandon resides in the Dallas/Ft. Worth area with his wife, Shelby, and his identical, mirror-image twin boys, Will and Reese. When he's not with them, he's probably in his garage tinkering, building, or buying way too much golf equipment.

 
Mario Nardone**, CFA - Outsourced Chief Investment Officer, Head of Investment Committee   Mario’s investment career began with ten years at Vanguard, consulting institutions and financial advisors on investment policy, portfolio construction, Exchange-Traded Funds (ETFs), and trading strategies as a member of Vanguard’s Fiduciary Services and ETF Product Management units. Through a relationship with his firm, East Bay Financial Services, Mario leads the XYIS Investment Committee and provides day-to-day investment support to advisors on the XYIS platform. East Bay Financial Services provides investment management and consulting services for financial planners, nonprofits, and individuals around the world.  A CFA (Chartered Financial Analyst) Charterholder since 2003, Mario is Past President of CFA Society South Carolina and is a member of the CFA Institute and the Financial Planning Association. His approach to investments and the industry has been featured in Investment News, NAPFA Advisor Magazine, Charleston Regional Business Journal, The Post & Courier, and The Northeast Pennsylvania Business Journal.

Mario Nardone**, CFA - Outsourced Chief Investment Officer, Head of Investment Committee

Mario’s investment career began with ten years at Vanguard, consulting institutions and financial advisors on investment policy, portfolio construction, Exchange-Traded Funds (ETFs), and trading strategies as a member of Vanguard’s Fiduciary Services and ETF Product Management units. Through a relationship with his firm, East Bay Financial Services, Mario leads the XYIS Investment Committee and provides day-to-day investment support to advisors on the XYIS platform. East Bay Financial Services provides investment management and consulting services for financial planners, nonprofits, and individuals around the world.

A CFA (Chartered Financial Analyst) Charterholder since 2003, Mario is Past President of CFA Society South Carolina and is a member of the CFA Institute and the Financial Planning Association. His approach to investments and the industry has been featured in Investment News, NAPFA Advisor Magazine, Charleston Regional Business Journal, The Post & Courier, and The Northeast Pennsylvania Business Journal.

Carrie Frye - Platform Manager   Carrie Frye joined the XYPN team in February of 2017 after spending over five years working as Vice President of Operations for a boutique financial planning and wealth management firm in San Diego, CA. She makes good use of this experience in her role as Platform Manager for XYIS.  Carrie is dedicated to providing an exceptional solution for advisors. Instrumental in the launch of the XYIS platform, she knows the ins and outs like no other. From the time she walks advisors through the onboarding process, it’s clear she understands the unique challenges they face in financial planning.

Carrie Frye - Platform Manager

Carrie Frye joined the XYPN team in February of 2017 after spending over five years working as Vice President of Operations for a boutique financial planning and wealth management firm in San Diego, CA. She makes good use of this experience in her role as Platform Manager for XYIS.

Carrie is dedicated to providing an exceptional solution for advisors. Instrumental in the launch of the XYIS platform, she knows the ins and outs like no other. From the time she walks advisors through the onboarding process, it’s clear she understands the unique challenges they face in financial planning.

Connor Cavigli - Client Service Manager   Connor leads the charge to provide exceptional service to our clients. He earned a degree in finance from Washington State University before working for a non-profit organization in Seattle. A Montana native, he relocated to Bozeman in pursuit of less traffic and more open space. Before joining Team XYIS, he worked as an accountant and in client experience for a local tech company. He now brings his customer-first philosophy to XYIS, ensuring every user has the best experience possible.  When he’s not helping our clients, he’s outside with his wife, son, and dog exploring the mountains of Montana or fly fishing his way through any river he can find.

Connor Cavigli - Client Service Manager

Connor leads the charge to provide exceptional service to our clients. He earned a degree in finance from Washington State University before working for a non-profit organization in Seattle. A Montana native, he relocated to Bozeman in pursuit of less traffic and more open space. Before joining Team XYIS, he worked as an accountant and in client experience for a local tech company. He now brings his customer-first philosophy to XYIS, ensuring every user has the best experience possible.

When he’s not helping our clients, he’s outside with his wife, son, and dog exploring the mountains of Montana or fly fishing his way through any river he can find.


Disclosures:

**Please note Mario Nardone is not an employee or Investment Adviser Representative of either XYIS or Watershed Wealth Planning, LLC (WWP), and provides his services on an independent basis through his own registered investment adviser, East Bay Financial Services.

WWP is a registered investment adviser offering advisory services in the State of Oregon and in other jurisdictions where exempted. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by WWP in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

XYIS is an independent registered investment adviser, and is unaffiliated with WWP. The name “XY Investment Solutions”, its logo, and all related names, logos, product and service names, designs and slogans are trademarks of XYIS or its affiliates or licensors.

Nothing presented on or through this website regarding XYIS, its Investment Committee, or any of its investment solutions (“XYIS Content”) is intended to be personalized investment, tax, legal, accounting, or any other professional advice. To the extent this website includes XYIS Content related to investment, tax, legal, or accounting matters, such content is expressly for general information purposes and should not be relied upon for any decision-making. Investment, tax, legal, accounting and other professional advice is specific to each individual and entity, and you should consult with a professional advisor to receive personalized advice. Such XYIS Content is made available solely for general information purposes, and XYIS does not warrant the accuracy, completeness or usefulness of this content.

Nothing contained on this website regarding XYIS Content should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. To the extent any security or other financial product or investment strategy is referenced or discussed on this website in conjunction with XYIS, you should understand that past performance is no guarantee of future returns and that investing in any security or other financial product or investment strategy can result in the partial or complete loss of principal. Investing involves risk that you as an investor should be prepared to bear.

Any content on this website regarding XYIS Content is provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. XYIS disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for a particular purpose. In no event will XYIS, its affiliates or their licensors, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with any XYIS Content, including any direct, indirect, special, incidental, consequential or punitive damages.