Xima
Xima is a Bogotá-based Colombian financial advisory firm operating as a Skandia commercial agency, providing personalized financial planning and investment advisory services to more than 7,000 individual and corporate clients through a team that includes 2 of Colombia's 10 CFP-certified planners.
- Company typePrivate
- Founded2000
- HeadquartersBogotá, Colombia
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Xima does
Xima is a Colombian financial advisory firm headquartered in Bogotá, operating as the commercial agency of Skandia. The firm serves both individual and corporate clients across Colombia, with a stated base of more than 7,000 customers and a team of 20 advisors, including 2 of the 10 internationally CFP-certified financial planners in the country. Service lines span individual financial planning (wealth transfer, goal-based investing, debt management, family protection, tax optimization, retirement) and corporate financial wellness programs, with delivery conducted virtually and in person.
The firm has built a digital layer around its advisory practice, including a self-service toolset (Caja de los Sueños, Calcula tus Finanzas, Xima Kids) and a content ecosystem spanning a blog, podcast, e-books, and social channels. In March 2025 Xima launched an AI Messaging Bot, an NLP-driven virtual agent with custom training on enterprise data and intelligent web crawling, with stated plans for call transcription and sentiment analysis. The technology footprint is therefore advisory-first, augmented by digital planning tools and a single AI product line.
Xima's revenue model combines advisory fees (introduced after a free initial consultation) with commissions on Skandia investment products distributed through the commercial agency arrangement. The go-to-market is sales-led and advisor-driven, supported by content marketing as an acquisition channel, and the customer mix is split between individuals (long tail of 7,000+) and corporate accounts reached through employer wellness programs.
Xima firmographics
Firmographics- Name
- Xima
- Legal name
- Xima
- Website
- https://xima.com.co
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Xima is a Bogotá-based Colombian financial advisory firm operating as a Skandia commercial agency, providing personalized financial planning and investment advisory services to more than 7,000 individual and corporate clients through a team that includes 2 of Colombia's 10 CFP-certified planners.
- Ownership category
- akta.pro rank
Xima industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Investment Management Advisory (RIA) (FSAEAAAB)
- akta.pro secondary industries
- Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)
Keywords
Where Xima is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices1 record
Markets served
Xima business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Financial Planning Advisory Services: Xima generates revenue by providing personalized financial planning and advisory services to individuals and corporations. As a commercial agency of Skandia (agencia comercial de Skandia), the company also earns commissions on investment and insurance products (such as pension funds, voluntary pension savings, life insurance, and fixed-income investment products) that they recommend and sell to clients through the Skandia platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free initial consultation |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Xima product offering
Product offeringCore offering
Xima is a Colombian financial advisory firm that provides personalized financial planning services to individuals and corporations across Colombia, operating as a Commercial Agency of Skandia. Its core offering spans retirement planning, investment advisory, debt management, family protection, tax optimization, patrimonial/wealth transfer, and corporate employee financial wellness programs, delivered through CFP and AMV certified Financial Planners. Revenue is generated from advisory fees and from commissions on Skandia investment and insurance products (pension funds, voluntary pension savings, life insurance, fixed-income investments) sold to clients.
Product overview
Xima is a Colombian financial advisory company operating as a Commercial Agency of Skandia. The company offers a comprehensive portfolio of financial planning services for individuals and companies, including personalized advisory services (Transferencia Patrimonial, Inversiones para Metas, Manejo Responsable de Deudas, Proteger a la Familia, Optimización Tributaria, Planear tu Retiro), corporate solutions (Plans de Ahorro Empresarial/Colectivo, Asesoría para Excedentes de Liquidez, Programa de Capacitación), and digital tools (Calcula tus Finanzas, La Caja de los Sueños, Xima Kids). In March 2025, Xima launched an AI-powered virtual agent called the AI Messaging Bot for contact center automation. All advisors hold AMV certification and the company serves over 7,000 clients in Colombia.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Planning and Advisory Services for Individuals (Personas) Comprehensive financial planning and investment advisory services for individuals in Colombia, covering patrimonial transfer, investment strategies for goals, responsible debt management, family protection, tax optimization, and retirement planning. Delivered through CFP and AMV certified Financial Planners.
- Financial Planning and Advisory Services for Companies (Empresas) Corporate financial wellness solutions for Colombian companies, including business savings plans, collective savings plans, advisory for managing excess corporate liquidity, and financial education/training programs for employees. Targeted at HR, Compensation & Benefits, and Treasury decision-makers.
- Structured Financial Advisory Process A four/five-step financial advisory engagement methodology covering dream/goal identification, customized financial plan design, plan implementation, plan monitoring, and a complimentary first session (under 30 minutes, virtual). Available to both individual and corporate clients.
- AI Messaging Bot AI-powered virtual agent built to reduce contact center operational costs and improve customer service. Uses natural language processing for conversational interactions, supports custom training with enterprise data, and includes intelligent web crawling for knowledge retrieval. Positioned for enterprises seeking to automate high-volume inbound customer interactions.
- Calcula tus Finanzas Self-serve financial planning tool that analyzes a user's income, expenses, and goals to construct a personalized annual budget projection. Used as a lead-engagement asset on the Xima website.
- La Caja de los Sueños (Dream Box) Interactive savings goal calculator that calculates the monthly savings amount required to fund a user's financial dream or goal, used as an engagement and lead generation tool on the Xima website.
- Xima Kids Financial education program for children focused on building savings habits and financial literacy from an early age, offered by Xima.
Quantifiable outcome
- 7,000+ clients served across Colombia
- +1 more outcomes
Companies that use Xima
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles3 records
Xima technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Xima partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SkandiacoreXima operates as a 'Agencia Comercial de Skandia' (Skandia Commercial Agency), enabling it to offer Skandia's financial products including investment funds, voluntary pension plans, life insurance, and other financial instruments. The Skandia partnership is fundamental to Xima's business model, as evidenced by the company being referred to as 'Xima Agencia Skandia' in blog posts and the use of @fp.skandia.com.co email domains by its advisors. This partnership provides Xima with access to a broad suite of regulated financial products to distribute to its client base of 7,000+ individuals and corporations.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Xima competitors and assessment
Company assessmentDirect peers
- Acciones & Valores: Colombian brokerage and investment services firm offering trading, investment advisory, and wealth management. Comparable to Xima as a Colombia-based financial advisory and investment services provider to individual and corporate clients.
- Credicorp Capital Colombia: Wealth management and investment banking arm of Credicorp in Colombia. Directly comparable to Xima in providing investment advisory, portfolio management, and wealth solutions to high-net-worth individuals and families.
- BTG Pactual Colombia: Local presence of the major Latin American investment bank offering wealth management, investment advisory, and brokerage services to individuals and corporates. Direct peer in the financial advisory and investment solutions space in Colombia.
- Ultraserfinco: Colombian brokerage and wealth management firm providing investment advisory, portfolio management, and securities services. Directly comparable to Xima in serving individual and corporate clients with personalized financial advisory in Colombia.
Broad incumbents
- Colfondos: Colombian pension fund administrator and asset manager. Comparable to Xima in serving individual retirement-planning needs, but a broad incumbent with its own product suite rather than an independent advisory firm.
- Porvenir: Major Colombian pension and savings administrator (AFP). Competes with Xima in retirement and long-term savings advisory but is a vertically integrated, much larger institution offering proprietary funds in addition to advice.
- SURA Investments: Investment and pension management arm of Grupo SURA, parent of Skandia. Comparable to Xima in Colombian retirement, investment, and wealth management services, but at vastly greater scale and as a vertically integrated asset manager and pension administrator.
- BBVA Asset Management Colombia: Asset management arm of BBVA in Colombia, offering investment funds and advisory. Comparable to Xima in investment advisory and wealth management for individuals and corporates, but part of a global financial group with broader capabilities.
- Protección: One of Colombia's largest pension fund administrators (AFPs) and a broad financial services incumbent. Overlaps with Xima on retirement and pension planning, but operates at much greater scale and with proprietary product offerings rather than as a focused advisory firm.
Others
- Skandia Colombia: Xima's product partner and commercial-agency principal. Skandia provides the regulated investment and insurance shelf Xima distributes; it is also an adjacent competitor in financial advisory in Colombia, making it the most directly related entity though structurally a channel partner rather than a pure peer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Xima social profiles
Digital presenceXima financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xima leadership team
Management profileNumber of profiles
Profiles7 records
Xima funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xima M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Xima
What does Xima do?
Xima is a Colombian financial advisory firm that provides personalized financial planning services to individuals and corporations across Colombia, operating as a Commercial Agency of Skandia. Its core offering spans retirement planning, investment advisory, debt management, family protection, tax optimization, patrimonial/wealth transfer, and corporate employee financial wellness programs, delivered through CFP and AMV certified Financial Planners. Revenue is generated from advisory fees and from commissions on Skandia investment and insurance products (pension funds, voluntary pension savings, life insurance, fixed-income investments) sold to clients.
Is Xima a public or private company?
Xima is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Xima founded?
Xima was founded in 2000. It employs 11 to 50 people.
Where is Xima based?
Xima is headquartered in Bogotá, Colombia, in the Latin America region.
How does Xima make money?
One revenue line is on record: financial Planning Advisory Services.
Who are Xima's main competitors?
Direct peers on record are Acciones & Valores, Credicorp Capital Colombia, BTG Pactual Colombia and Ultraserfinco. Broad incumbents are Colfondos, Porvenir, SURA Investments, BBVA Asset Management Colombia and Protección. Skandia Colombia is listed as an others.
Does Xima have an API?
No public API is recorded for Xima.
What industry is Xima in?
Xima's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAEAAAB, Investment Management Advisory (RIA), with a secondary code of FSAAACAE, Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers). Its NAICS code is 523940 and its SIC code is 6282.