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 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, and I would like to help individuals directly. I came to Los Angeles, California, to join my beloved wife, Vivianna, and studied 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 worked for a local wealth management firm for several years. With what I have gone through, I come to understand the needs and concerns of the young professionals living here. I was hoping to join a financial planning firm to help young professionals by providing objective advice without selling any financial products. To my disappointment, I failed to find such a firm at that time. I had two choices. Keep helping high net worth individuals, or giving up an attractive salary and set up my firm from scratch. As you can tell, I chose the latter.

In my spare time, I love to play and watch Esports like DOTA 2 and GWENT. Feel free to connect with me for Gaming purposes only!

Vivianna Zhao, CPA

Hi, my name is Vivianna Zhao, co-founder of X and Y Advisors, Inc., with years of business management experience in entertainment industry and strong tax background. I work side by side with actors/actresses, television/film producers, directors, designers, fashion stylists and writers with the gross income ranging from $300,000 to over $450 million. I believe we all need a financial plan 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 and update timely as real life is an ongoing journey. 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. I feel the struggles and challenges we face every day, as a wife, a mother, a daughter and an entrepreneur. Therefore, I would love to share my expertise and use my extremely perceptive in reading people and situations to help my clients make right decisions today and every day.