Jiyao Xu

Jiyao (jackson) xu, CFP®, CFA

Hi, my name is Jiyao (Jackson) Xu. I am a fee-only financial planner and co-founder of X and Y Advisors, Inc. I have been working side by side with young Chinese professionals to refine their financial goals, evaluate their current financial health, and create strategies to help achieve their dreams.

After spending a year with KPMG China, I realized that corporate finance is not my interest. In 2012, I came to Los Angeles, California to join my beloved wife, Vivianna, and study Personal Financial Planning. While taking different courses at UCLA, I managed to pass the CFP® exam and all three levels of CFA programs, go through the real estate broker education program and then work for a local wealth management firm for several years. With what I have gone through, I come to understand the needs and concern of the young professionals living here. I tried to look for a job at a financial planning firm to help young Chinese professionals by providing objective advice without selling any financial products. To my disappointment, I failed to find such a firm. What am I going to do? I can go back to the same firm and continue to help high net worth individuals, or I can give up the attractive salary and set up my firm from scratch. Apparently, I chose the latter.  I go from an international student to a young entrepreneur.

Click here to connect me on LinkedIn and learn more about my educational and professional experience.

Vivianna Zhao

Vivianna Zhao, CPA

Hi, my name is Vivianna Zhao, co-founder of X and Y Advisors, Inc. With strong tax experience as a certified public accountant (CPA), I decided to partner with Jackson to establish X and Y Advisors, Inc. I believe we all need a certain level of financial planning at every stage of life. The hardest part is always to get started. Personally, I strongly feel the importance of financial planning in family, marriage, and work. To live your dream life, you have to have a good financial plan to start with. Financial planning is not just about money. It could be as big as a life planning and as small as a guide about which credit card you should apply for.  

A quote is really impressive to me, saying 'A woman needs to look like a girl, act like a lady, think like a man and work like a boss.' This quote not only implies the women empowerment but also reveals the growing tendency of financial independence among women in nowadays society. As a woman, I understand we are required to be a well-rounded person, as a wife, a mother, a daughter and a worker. Therefore, I would love to share my knowledge to help more people and grow together with my clients.  

Click here to connect me on LinkedIn and learn more about my educational and professional experience.