X² Wealth Planning is a virtual-first, fee-based, independent fiduciary financial planning and investment management firm serving clients across the United States. Founded by Hannah Chapman, CFP, APMA, CRPC, X² integrates comprehensive financial planning, institutional investment management through Juncture Wealth Strategies, and Human Design and inner work coaching into one unified client engagement.

Hannah Chapman, CFP®, APMA®, CRPC® is a Senior Wealth Advisor at Juncture Wealth Strategies, LLC doing business as X² Wealth Planning. 

What is Juncture all about and how do we work with clients?

Juncture Wealth Strategies (Juncture) is a boutique investment firm with institutional resources, offering intelligent, independent investment management and wealth advocacy to high-net-worth clients. As an investment advisor, Juncture is flexible, innovative and independent, with a commitment to communicating with clients in a straightforward and direct way and serving their financial needs with intelligence, insight and transparency.

We recognize that the world we live in is constantly changing. Right now, we’re in the midst of a paradigm shift, and the future holds both new opportunities and new risks. As advisors, we seek to actively manage those risks while also taking advantage of new opportunities for growth.

Our clients are forward-looking and willing to embrace the new opportunities that this future will bring. They are constructive optimists with business sensibilities, as well as having an understanding of risk management and an entrepreneurial outlook, but they’re also discontented with the conventional Wall Street approach―they’re not satisfied with “business as usual” and have tried alternative investments in the past that didn’t meet their expectations. They’re looking for a new way forward. With our innovative investment strategies, holistic financial planning services and comprehensive wealth management, Juncture helps discerning clients manage and grow their wealth.

Where can I find more information about Juncture Wealth Strategies, LLC?

You can find information at Juncture Wealth Strategies, LLC's website. 

Most financial advisory firms focus only on managing assets. X² integrates three disciplines into one engagement — fiduciary financial planning, institutional investment management, and Human Design and money story coaching — addressing both the technical and emotional dimensions of wealth. For qualifying clients, all three are included under a single fee rather than referred out separately.

A fiduciary financial advisor is legally and ethically obligated to act in the client's best interest at all times, under a duty of care and a duty of loyalty established by the Investment Advisers Act of 1940. This differs from a suitability standard, which only requires advice to be 'suitable,' not necessarily optimal, for the client. X² Wealth Planning is a part of Juncture Wealth Strategies, which is a Registered Investment Adviser (RIA) and operates as a fiduciary in every client relationship, 100% of the time.

X² Wealth Planning is fee-based, not fee-only. The firm is compensated primarily through client fees — an AUM fee or a flat planning fee plus retainer — and Hannah Chapman also maintains her insurance licensing so she can advise clients directly on insurance needs when appropriate, rather than referring them to a separate insurance salesperson. Any commission earned on insurance products is fully disclosed, and X² remains a fiduciary at all times under the Investment Advisers Act of 1940, regardless of how a specific recommendation is compensated.

X² Wealth Planning is a part of Juncture Wealth Strategies, which is registered as an investment adviser under the Investment Advisers Act of 1940, which creates a federal statutory fiduciary duty requiring the firm to act in each client's best interest at all times. This registration can be independently verified through the SEC's Investment Adviser Public Disclosure (IAPD) database.

X² Wealth Planning’s full wealth management partnership, which includes financial planning, investment management, and Human Design coaching under one fee, is designed for clients with $2.5 million or more in investable assets managed through the firm.

Clients below that threshold can receive all those same services and will pay a separate financial planning fee in addition to the investment management fee.

The exploration call is a one-hour conversation designed to bring clarity to a prospective client's current financial situation and to whether X² is the right fit. It covers the prospect’s current situation, what they're trying to solve, and what working together would look like. If X² isn't the right fit yet, that is communicated honestly along with a recommended next step.

A money story refers to the beliefs about money formed earlier in your life that continue to shape financial behavior and decision-making as an adult. These patterns can drive financial anxiety, avoidance, or overspending regardless of someone's actual financial literacy or success. X² Wealth Planning addresses money story work directly as part of its financial planning process.

Human Design is a system that maps how an individual is uniquely wired to make decisions, generate income, and interact with the world, based on birth data. In a financial planning context, understanding a client's Human Design helps build strategies that align with their natural decision-making style rather than applying a generic approach to every client.

No. X² Wealth Planning’s core financial planning and investment management services stand on their own, built on traditional fiduciary planning principles and institutional investment management. Human Design and inner work are offered as an integrated differentiator for clients who want it, not a requirement or belief system clients must adopt to receive excellent financial advice.