A new relationship with your wealth. Financial clarity. Confident decisions.
X² Wealth Planning is the fiduciary firm that sees the human behind the investment.
From financial stress to financial freedom.
Here's what that looks like.
Experience these shifts in your relationship with money, in your decision-making, and in how your financial life connects to every other part of how you operate.
FROM
Making decisions from worry and uncertainty
Second-guessing every financial move because you don't have a clear picture, or because the picture you have doesn't feel like yours.
Old money stories running your life and business
The same stories and fears that shape your personal finances showing up in how you price, invest, and make decisions in your business and work, often without you realizing it.
Waiting to feel ready
Delaying important financial decisions because something doesn't feel settled — a feeling that never quite resolves on its own.
TO
Decisions made from a clear, confident plan
A comprehensive financial plan built specifically around your life, your values, and the way you're wired so that every major decision feels anchored.
Aligned money across every area of life
When your personal financial life is grounded and clear, it changes how you show up everywhere else. The confidence carries. The clarity compounds.
The settled feeling you've been waiting for
Not because everything is perfect, but because you have a plan, a team, and a relationship with money that works for you rather than against you.
— WHY X² WEALTH PLANNING EXISTS - A NOTE FROM THE FOUNDER
I built this because the industry was missing
the most important part.
During my nearly two decades in the financial industry, I’ve seen the same thing happen over and over again. Intelligent, capable people would receive technically sound financial advice but still not feel settled. Still make decisions from anxiety. Still find that money was controlling their choices rather than supporting them.
The advice was fine. What was missing was any acknowledgment of the human being receiving it — the fears they carried, the patterns driving their decisions, the fact that how they related to money in their personal life was inseparable from how they showed up in their business and everywhere else. That gap isn't accidental. It's the predictable result of an industry built around maximizing revenue rather than client outcomes, and where advisors are rewarded for gathering assets and selling products, not for understanding the person in front of them.
So I founded X² Wealth Planning to build something that addressed all of it. The technical and the human, the strategic and the personal, the emotional and the logical. Because I'd seen, again and again, that one without the other always falls short. Creating lasting prosperity requires both practical strategy and personal alignment.
Then in March 2021, I discovered Human Design and understood immediately that knowing yourself at this level changes everything about how you relate to wealth. That dimension has been central to our work ever since, not as an add-on to financial planning, but as a core component that makes the work we do in financial planning actually hold.
Because true prosperity was never just about having more money. It's about having the freedom, clarity, and confidence to create a life of purpose, contribution, and expansion. If you’ve been seeking a financial partner that sees you as a whole person while delivering world class planning and investment management, you’ve come to the right place. I’d love to meet you.
Warmly,
Hannah Chapman
Three disciplines. One integrated experience.
For clients with significant investable assets, all three work as one engagement. One team, one plan, designed to create lasting change in how you relate to and grow your wealth.
01 –
Fiduciary Financial Planning
You get a single, clear financial picture, and a plan you actually trust enough to follow. Cash flow, tax strategy, retirement, estate planning, insurance, legacy, and more all mapped to your real life, not a template. Founder and Lead Advisor Hannah Chapman holds the CFP, APMA, and CRPC designations, and has 20 years of experience helping clients build their dream life and a lifetime of entrepreneurship behind every plan she creates.
CFP · APMA · CRPC · 20 YEARS EXPERIENCE
02 –
Investment Management
You get a portfolio designed around your actual goals, not a one-size-fits-all model. From individual bond portfolios that create real, reliable income to growth strategies built for the long term, your money will be working for you as effectively and tax-efficiently as possible. Behind it is Brad Haines, CFA, FRM — a rare combination in the independent RIA space. As a Financial Risk Manager (FRM), Brad manages risk as a discipline, not an afterthought.
CFA · FRM · TAILORED PORTFOLIOS · PARTNERED WITH JUNCTURE WEALTH STRATEGIES
03 –
Human Design & Inner Work
A great financial plan can still leave you anxious about money. Your unique Human Design, your money stories, and the relationship patterns you carry around money, whether with a partner or with yourself, quietly shape every financial decision you make — and this is the work addressing that layer. Lauren Ammon, certified HD analyst through the International Human Design School, partners with Hannah to lead clients through Human Design and Gene Keys analysis, inner child healing, and money story work. Paired with exceptional planning and investment management, this is what actually changes your relationship to money and prosperity.
IHDS CERTIFIED · MONEY STORY WORK · WEALTH COACHING
Meet the Team
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Hannah Chapman, CFP, APMA, CRPC
FOUNDER, LEAD ADVISOR
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Brad Haines, CFA, FRM
CHIEF INVESTMENT OFFICER OF JUNCTURE WEALTH STRATEGIES
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Lauren Ammon
HUMAN DESIGN ANALYST, IHDS CERTIFIED
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Svetlana Lane
CLIENT SERVICE MANAGER
Choose the path that
fits where you are.
— HOW WE WORK TOGETHER
Every engagement is designed to move you from financial uncertainty to financial clarity — through rigorous planning, bespoke investment management, and work that addresses the beliefs and patterns quietly shaping every financial decision you make.
ALL-INCLUSIVE PARTNERSHIP
The Full Prosperity Experience
Everything, integrated, for one fee — and a team that stays with you.
This is the full X² Wealth Planning engagement. Comprehensive financial planning, bespoke investment management, Human Design and inner work — all three, woven together from the start, for clients ready to receive the complete picture. No referrals out. No silos. One team, one plan, one ongoing relationship built around every dimension of your financial life.
Comprehensive financial planning across all areas of your life
Bespoke investment management through Juncture Wealth Strategies
Human Design & Gene Keys profile integration
Money story work & inner alignment coaching
One integrated team around your complete financial life within one integrated investment management fee
Generally for clients with $2.5M or more in investable assets
FAST-TRACK PLANNING INTENSIVE
The Money Code Plan
Complete financial clarity in two intensive sessions — then we build from there.
Designed for entrepreneurs and founders who move fast and want a complete picture quickly. Two virtual half-day intensives deliver your full Prosperity Plan covering every dimension of your financial life, including your Human Design profile. If you have assets to manage, investment management begins alongside the planning from day one.
Two VIP half-day virtual intensives, two weeks apart
Complete Prosperity Plan delivered at session two
Human Design & Gene Keys integration throughout
Investment management begins alongside planning where applicable
Ongoing monthly alignment sessions and money story work
Planning fee + AUM fee or integrated AUM fee depending on your situation
ONGOING PLANNING & ADVISORY
Financial Planning + Investment Advisory
The full X² Wealth Planning approach at every asset level — structured for where you are now.
Planning and investment management always happen together here — the question is simply the fee structure. For clients earlier in their wealth-building journey, a planning engagement plus a separate advisory fee gives you everything X² Wealth Planning does, structured to fit your current situation rather than a minimum threshold you haven't reached yet.
Comprehensive financial planning at the same depth as the Full Prosperity Experience
Bespoke investment management
Human Design & money story work integrated throughout
Separate planning retainer and investment advisory fee
Ongoing monthly or quarterly guidance at a pace right for you
Designed to grow with you as your wealth grows
Where you start doesn't matter as much as you think. We work with clients at every stage of wealth-building. What matters isn't how much you have right now, it's whether you're ready to build intentionally with it. If you are, there's a path here for you.
You've been looking for the right financial partner. Here we are.
The first conversation is a real one — about your situation, what's been working, what hasn't, and what you want your relationship with money to look like. No pitch. No pressure. Just an honest conversation about whether we're the right fit.
Your Questions, Answered
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.