If independent advisors don’t necessarily have bigger fish to fry, they may still be catching a lot more. Focusing solely on high-net-worth clients and charging based on assets is one way to operate. The only problem is that most Americans aren’t millionaires. The pond is large, and many independent advisors are finding new areas to cast their lines. Between 2019 and 2025, XYPN firms saw client bases grow an average 25% per year, XYPN co-founders Michael Kitces and Alan Moore told Advisor Upside. By compa ...