X and Y Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
X and Y Advisors, Inc. serves individual and high‑net‑worth clients and provides financial planning, investment management, tax preparation, accounting, and business consulting. The firm operates on a fee‑only basis and manages roughly $18.8 million in discretionary assets for a relatively small client base.
The firm’s investment process uses Modern Portfolio Theory and primarily favors passive portfolios built from index mutual funds and ETFs; investment management is provided to comprehensive planning clients as part of the planning engagement rather than as a separate asset‑based charge. X and Y also uses and monitors third‑party (outside) investment managers, including an independent manager platform, as part of its implementation options.
Distinctive elements include integrated in‑house accounting and tax preparation services led by a licensed CPA and the firm’s provision of educational seminars and paid speaking engagements, both of which are uncommon among peers. The brochure also discloses affiliations with other advisers and a co‑founder’s contracted planning work for another firm, and the firm’s practice of not charging percentage‑of‑AUM investment fees differentiates it from most supported firms.
Client services
Expertise
Fee options
Business Consulting Services offered at $250 per hour, negotiable.
Minimum fee: Project-Based Financial Planning fixed fees range from $500 to $10,000 based on complexity. Fee-only: X and Y Advisors, Inc. is a fee-only firm, compensated solely by client fees with no commissions or third-party payments.
Main office
840 Apollo Street, Suite 100
El Segundo CA 90245
Advisors at this office
2
Most active in
California
Also doing business as
X And Y Advisors · X And Y Advisors, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Jiyao X
CFP®, CFA®, Series 65
El Segundo, CA
X and Y Advisors, Inc.
Jiyao Xu is a financial advisor at X and Y Advisors, Inc. with eight years of industry experience. Xu holds the CFP®, CFA®, and Series 65 credentials and has worked at Blend Financial, Inc. dba Origin Financial, Confidence Wealth Management, LLC, and as a self-employed advisor. X and Y Advisors, Inc. is a fee-only advisory firm serving individual and high-net-worth clients, offering financial planning alongside tax preparation, bookkeeping, payroll accounting, business consulting, and investment management. The firm primarily uses passive, low-cost portfolios based on Modern Portfolio Theory and provides financial planning on both project-based and ongoing terms.
Vivianna Z
Series 65
El Segundo, CA
X and Y Advisors, Inc.
Vivianna Zhao is a financial advisor at X and Y Advisors, Inc. in El Segundo, CA, holding a Series 65 designation with eight years of industry experience. She has worked at X and Y Advisors since 2017 and previously at Chapman, Bird & Tessler, Inc. from 2016 to 2020. X and Y Advisors, Inc. is a state-registered, fee-only firm serving individual and high-net-worth clients, offering financial planning along with tax preparation, bookkeeping, payroll accounting, business consulting, and investment management. The firm employs a primarily passive, low-cost investment approach based on Modern Portfolio Theory, utilizing index mutual funds and ETFs, and offers project-based or ongoing financial planning with coordination of implementation and referrals to outside professionals.
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