As access to investments expands in Brazil, the investor's journey becomes more diverse and complex. Entering the market is only the first step. Over time, objectives, levels of autonomy, and the need for financial planning change, making the discussion about which service model makes sense at each stage of financial life increasingly relevant.
At XP, this diversity is treated as a starting point. The company offers different service and compensation models so that clients can choose the type of relationship that best suits their needs, without having to fit into rigid or standardized structures.
Based on a complete ecosystem of financial solutions and an operation driven by excellence in service and consistency of delivery, XP reinforces its conviction that empowering investors with choice is fundamental to building long-term relationships.
Service models that accompany the investor's journey.
Currently, clients can choose between three service formats at XP: the transactional model, suitable for those who want to build a portfolio with the support of an advisor; the fixed fee, which works like a monthly subscription that allows progress in organizing financial life and medium- and long-term planning; and consulting, which offers an integrated view of assets, even when distributed among several institutions.
This variety of formats allows each client to choose how they want to be served, how they want to pay for the service, and varies in the level of autonomy and depth they desire.
All of this while respecting each investor's profile, who may move between these formats depending on their stage of life. Because, just like in life, some prefer to decide alone most of the time, some seek constant guidance, and some move between these extremes as life changes. And life changes quickly: starting a family, new goals, moments of greater financial complexity. The models exist precisely to support these transitions.
The only thing that doesn't change is the excellence in serving the investor, which for us at XP is the starting point. Governance processes, supervision, and excellence in asset allocation guide this journey and ensure consistency.
Investment professionals today play a strategic role. As true financial planners for their clients, they translate complexities and support life decisions. This role is strengthened through continuous training, investment in AI, and tools that enhance analytical capabilities.
It is precisely this vision of plurality that inspires the campaign launched by XP and starring tennis player João Fonseca, one of the leading names of the new generation of Brazilian sports and an athlete sponsored by the company. In a lighthearted way, the piece uses the different types of courts to show that there is no single path. Each surface requires a strategy. Each investor does too.
Having access to different service models means recognizing that priorities change, challenges arise, and important decisions may require different levels of support. As objectives evolve, the model can evolve along with them.
It's a natural extension of the mission that has guided XP from the beginning: to improve people's lives and help Brazilians invest better.