John Padilla
Founder and CEO of XO Advisors
Los Angeles native and Santa Monica based John Padilla founded XO Advisors after a long and successful career in wealth management. John has three decades of experience under his belt coupled with years of success working at the industry’s most prestigious firms including Smith Barney, Morgan Stanley and Merrill Lynch.
Whilst working side by side with Wall Street’s top analysts he developed a propriety method of integrating Technical Analysis into the portfolio’s composition. In an industry where Investors tend to rely on only one school of analytics, John relies on two. His choice to utilize both Technical and Fundamental Analysis is one of the great advantages for clients.
During his 25 years in corporate America John acquired all necessary licensing to both practice and supervise other advisors. John made the choice to start an independent firm close to his home in Santa Monica. XO Advisors was born.
John’s goal is to continue investing responsibly for the benefit of generations to come. His clients have the option to customize their portfolios in accordance with their principles.
Today, you will find John splitting time between his home in Santa Monica and with his young son in Germany. He enjoys surfing, skateboarding, snowboarding, calisthenics and gymnastics on the muscle beach outside his home.
Keith Hays
Director Of Wealth Planning
Keith Hays is a director of wealth planning with XO Advisors. Not all advisors enjoy planning or are capable of doing it well. It takes a different skill set than a money manager. What sets Keith apart is his priority in helping clients look broadly at their entire financial picture and history to get a strong sense of where they currently stand and where they want/need to be. This is executed through a careful process of weighing goals with strategies that deliver value and tax efficiency. This approach is crucial to making the lifestyle impact that clients are aiming to achieve.
With Keith XO aims for tangible results that are clearly defined with measurability and accountability to known success criteria. Also, by bringing his small business background as well as years of project management consulting expertise to the table, XO Advisors is well positioned to serve families, entrepreneurs and family offices who need a wealth management partner who understands the discipline involved in starting, growing, managing and selling a business, either in pre- or post-liquidity situations.
This can also help take those selling stock, dissolving a marriage or partnership, handling inheritance or proceeds from an asset sale. His work translates to gaining a detailed understanding of the unique life circumstances that individuals or families find themselves in, both planned and unplanned. If finances become complicated it is XO Advisor’s role to help consolidate views and find a cohesive vision with which the client and its advisory team can foresee risks and issues and plan for contingencies should the time come to navigate difficulty.
Since 2017 Keith helped augment the operations of a CA based tax practice and brings this collaborative, multi-view approach to XO Advisors in support of its excellence and growth. Keith also founded Creative Capitalists, a solo investment advisory firm. Keith attended the University of Southern California where he graduated with a BS in Business Administration with emphasis in Entrepreneurship from the Lloyd Greif Center and the Marshall School.
Scarlett Moberly
Public Relations & Marketing
Scarlett runs a media production company Dodo Haus Inc. She works on various aspects of PR and Marketing for XO. Her goal is to develop, produce and distribute innovative content on behalf of XO Advisors across multiple-platforms, ensuring the outreach capacity of XO is fully realized.
Scarlett’s focus is to assist XO in building new business relations whilst fostering their current partnerships. Her greatest strength lies in her ability to form real connections with real people & build a concept from the ground up.
We have a winning attitude. we excel for the clients who trust us to chart their financial futures. With over three decades of managing and preserving client's wealth, the evidence speaks for itself.
Our Partners
Sowell Management is both a Forbes and Barrons* top 100 RIA and was founded in 2001 on the principles of fee-based fiduciary investing. Behind the scenes, Sowell Management provides XO Advisors with back-office services and leading technology.
XO Advisors is proud to work with Charles Schwab, one of the largest providers of financial services in the nation. Schwab enables us to offer the products, services and investments that help you meet your financial goals. Our longtime partnership with Schwab gives you access to your funds anytime with a simple sign-in from your computer or phone.
XO Advisors partners with Fidelity Investments, one of the largest clearing providers in the industry. A clearing firm is an organization that, among other things, handles the execution, clearance and settlement of transactions. Investments of XO Advisors’ clients are placed in custody with Fidelity and our longterm partnership with Fidelity enables us to offer clients their products, services and investments.