Yes, You Can Find a Financial Planner Even if You’re Not Richbr The median age of XY advisers is 38, and it’s a refrainbr that many of them sound, having come from other planning firms or related industries where the easiest way to make a living is to chase older clients with the most money.br Also, advisers have to be willing to work virtually if clients want to, which allowsbr people with particular niches to find their clients wherever they may live.br So it was refreshing to find out recently that a fledgling collection of financial planners,br the XY Planning Network, had grown to nearly 600 people in just under four years.br Together, Mr. Moore and Mr. Kitces cooked up XY (as in Generations) to provide a communitybr and infrastructure — including technology tools, investment resources and compliance assistance — for other advisers who wanted to work in this way.br If 80 clients pay $150 a month, XY advisers can earn gross revenues of $144,000, though XY charges member financial planners $409 per month.br Alan Moore was not the first financial planner to experiment with recurring billing,br but he was just stubborn enough, after he was fired from a previous financial planning job at 24, to think he could hang a shingle and make it work.br One percent of nothing is nothing.”br Mr. Kitces, who is 40 years old, is an industry octopus with 29 letters of credentials after his name who speaks at conferences, works as a partner at a financial planning firm, writesbr and researches in quantity, and starts companies here and there.