Zero Commissions
Financial planners with XY Planning Network are fee-only and do not earn trailers or commissions.
Advice not Sales
Our planners are focused on providing financial planning services — not on selling unnecessary products.
No Assets Required
We believe EVERYONE deserves professional financial advice, regardless of age or assets.
CFP® Mark of Excellence
Our financial planners have obtained the foremost standard of excellence, bringing extensive education and experience to their financial planning.
We Are Fiduciaries
Each of our planners take an oath to put your interests above all else. See signed copies of their fiduciary oath on each planner’s page.
Virtual Offices
Every XY Planning Network planner offers virtual financial planning services, so you’re not limited by location.
Get on the right financial track.
Sign-up and we will send you our free guide – A Canadian’s Guide to Money-Smart Living – plus a valuable article straight to your email every month.

How Are XY Planning Members Different?
XY Planning Network is the leading organization of Advice for a Fee Financial Planners who specialize in helping members of Gen X and Gen Y. Our planners are unique in the financial planning industry because of the way they put their clients first:
- They offer virtual services so you can connect with your chosen planner, wherever they be located.
- They provide a sensible fee structure that suits most members of Gen X and Gen Y. Our planners must include a monthly flat (and reasonable) fee payable just like any other monthly bill. They accept no commissions or any payments except as directed by you, the client.
- They’re all sworn fiduciaries who uphold a fiduciary oath to always work in their clients’ best interests.
XY Planning Network members are also financial-planning focused, meaning all our planners offer comprehensive financial planning services for consumers. To our members Planning Before Investing is a maxim.
We’re not your parents’ financial planners. We are here to help YOU live YOUR great life.



