# Vivianna Zhao

> Vivianna Zhao is a fee-only financial advisor at X and Y Advisors in El Segundo, California. X and Y Advisors reports charging fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/vivianna-zhao/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** X and Y Advisors
- **Based in:** El Segundo, California
- **Fee model (firm's Form ADV):** Fixed fees
- **Assets under management (firm):** $18.8M across 75 accounts
- **CRD:** 6768281 (https://adviserinfo.sec.gov/individual/summary/6768281)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2017)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://www.xandyadvisors.com/

## Frequently asked questions

### Is Vivianna Zhao a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Vivianna holds no broker registration, and X and Y Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Vivianna charge for financial advice?

Vivianna's firm, X and Y Advisors, reports charging fixed fees on its SEC Form ADV.

### Where is Vivianna Zhao based?

Vivianna Zhao is based in El Segundo, California.

### Is Vivianna Zhao registered with the SEC?

Yes. Vivianna Zhao is registered as an investment adviser representative in CA (CRD 6768281), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does X and Y Advisors manage?

X and Y Advisors reports $18.8M across 75 accounts in assets under management.

### How do I contact Vivianna Zhao?

Through Vivianna's website, www.xandyadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6768281): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.