Jiyao Xu, CFP®, CFA X and Y Advisors, Inc.

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About Jiyao Xu, CFP®, CFA

I am a fee-only financial planner and co-founder of X and Y Advisors, Inc. To make high-quality financial planning services available and affordable to young Chinese professionals living in the United States, I established X and Y Advisors, Inc.

After one year of experience 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 understand the needs and concern of the young professionals living here.

From my professional experience serving high-net-worth individuals, I realize that there are so many financial planning strategies that could be applied and may even create relatively more value to young professionals. Therefore, I decided to establish X and Y Advisors, Inc. and share my knowledge to help more people and families.

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Recently Published

What to do with your Restricted Stock Units (RSUs) of a public company?

October 29, 2019

A growing tendency of giving RSUs among employers makes more and more people face a decision in terms of what to do with their RSUs. This week I will share with you the framework I use for my clients who have RSUs in a public company. 

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2019 Third Quarter Market Review And “Timing Isn't Everything”

October 8, 2019

It's time for our quarterly market review again. This quarterly material is to help you reinforce the concept of diversification, and serve as a reminder that you should view daily market events from a long-term perspective and avoid making investment decisions based solely on the news.   You could also learn why timing the market is more difficult than many investors might think from the article "Timing Isn’t Everything”, on the last two slides. Enjoy reading!

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IPOs: Profiles Are High. What About Returns?

August 27, 2019

Initial public offerings (IPOs) often attract initial public interest—especially when familiar brands become broadly available to investors for the first time. However, is it a good investment strategy? Recent research done by Dimensional Fund Advisors, one of our strategic partners, may provide you some insights. Enjoy reading!

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Ideal Clients

  • Cross-border Planning
  • Gen Y/Millennials
  • Mandarin Speakers
  • Tax Planning

Ways Advisor Charges

  • Monthly Fee
  • Flat Fee
  • Assets Under Management

Fee Options

  • Monthly Fee: $1,000+ Upfront plus $150+/month
  • Flat Fee: $500+/ project
  • AUM: .5%

 

SEC Records

States Registered

  • California

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