Jiyao  Xu

Jiyao Xu

| CFP®

X and Y Advisors, Inc.

(323) 942-9881

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Fee-Only Financial Planner located in Los Angeles, CA and serving clients across the country via virtual meeting.


  • Fee-Only Financial Planning
  • Flat Fee Consultation
  • Cross-border Financial Planning
  • Tax Planning and Preparation
  • Employee Benefits Optimization
  • Insurance and Risk Management
  • Investment Management
  • Cash Flow and Debt Management
  • Business Planning
  • Retirement Planning
  • College Education Planning
  • Estate Planning


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8601 Lincoln Blvd.,
Suite 180-180
Los Angeles, CA 90045

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Jiyao Xu is the Co-Founder of X and Y Advisors, Inc., a fee-only financial planning firm providing financial planning, investment management, tax preparation and accounting services to young Chinese professionals in the United States. Jiyao Xu is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Jiyao Xu is a fee-only financial planner. He established X and Y Advisors, Inc. to make high-quality financial planning services available and affordable to young Chinese professionals living in the United States. 

After one year of experience with KPMG China, Jiyao realized that corporate finance is not his interest. In 2012, he came to Los Angeles to join his beloved wife, Vivianna, and study Personal Financial Planning. While taking different courses at UCLA, Jiyao managed to pass the CFP® exam and all three levels of CFA programs. He also went through the real estate broker education program and then worked for a local wealth management firm for several years. With what he has gone through, he understands the needs and concern of the young professionals living in the U.S. 

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



This is our flagship ongoing financial planning service. We partner with you, initially and over time, to help you organize, clarify and simplify your financial life through ongoing communication and collaboration that reflects changes in your life, the laws, and the investment markets.

Investment analysis and tax preparation are included as part of this package. For those of you who do not want to implement the recommended investment strategy by yourselves, we also provide an optional investment management service to our comprehensive financial planning clients at additional cost. 

Click here to learn more about the common topics we cover in a comprehensive financial plan.


Our one-time consultation service is designed for people who are not ready for comprehensive financial planning service but need help on some particular questions. You will receive guidance and advice about your specifically defined needs and concerns.


We also provide independent tax preparation service for individuals and business. This service covers both Federal and State income tax returns. Bookkeeping and payroll service can be added upon request at additional cost.