“Every great dream begins with a dreamer.” –Harriet Tubman

The American Institute of Financial Intelligence, a division of FIFPAC Inc., originated at a breakfast table by two professors with the intention to educate children on financial literacy.  Their first publication, Financial Intelligence for Parents and Children, evolved into the FIFPAC financial education book series, online and offline programs, alternative credit profiling, and the creation of FIFPAC Inc.

  • The Institute provides financial education and services with its training and certification programs.
  • The goal is to build a financial education information ecosystem to cultivate people’s sound financial judgement and behavior.
  • The programs provide extensive and important financial literacy knowledge and services to the financial services industry, non-profit organizations and schools to train professionals, financial literacy educators, lending industry customers, college students and K-12 students.
“The path to success is to take massive, determined action.” — Tony Robbins

MEET THE LEADERSHIP TEAM

Xinyi Cindy Yu, CPA, CFP, MBA, CFEP

Cofounder and architect

Xinyi Cindy Yu, CPA, CFP, MBA, MS, is the cofounder and architect of the American Institute of Financial Intelligence. She is an adjunct professor with Fairleigh Dickinson University. She has more than twenty years’ experience in both corporate and personal finances, and a passion for parenting and financial education for families. Cindy is the author of more than 16 books related to financial intelligence and financial education.

With a career path that includes high-level management positions at American Express and Citigroup, she is a certified public accountant and financial service industry veteran who has served thousands of individual and business clients worldwide. She was a certified college consultant of Hartland Institute of Financial Education, a cofounder of the Parents & Children Education Club in New Jersey, and a cofounder of the Institute of Financial Intelligence, a non-profit organization promoting systematic education for financial literacy and good judgement.

Hong Zhang, PhD, CFEP

Cofounder and president

Hong Zhang, PhD, is the cofounder and president of the American Institute of Financial Intelligence. He is an associate professor at Rowan University in New Jersey with fifteen years of experience teaching and guiding younger generations. He is also committed to promoting STEM and cultural education to children in his community. He is the cofounder and president of the Institute of Financial Intelligence, a non-profit organization promoting systematic education for financial literacy and good judgement.

Anthony Santullo, MBA, EA, CFEP

Editor-in-chief

Anthony Santullo, MBA, EA, is the editor-in-chief for the American Institute of Financial Intelligence. He earned a bachelor’s degree in economics from Princeton University and an MBA degree in finance from Seton Hall University. He has over 30 years of experience in corporate financial planning, reporting and analysis. His career includes management positions with prominent financial services companies such as Barclays, Dun & Bradstreet and New York Life. He served as the treasurer for the Princeton University Alumni Association. He also served on the board of directors of the Girl Scouts in Central New Jersey and the Summit Area Community School.

Cindy Qiu, MBA, CFEP

Chief Operation Officer

Cindy Qiu earned a bachelor’s degree from FuDan University and an MBA degree from Krannert School of Management in Purdue University. Cindy has 20 years of experience in Finance Services and Management Consulting industry, specializing in developing growth strategies and tactical plans, managing cross-divisional programs to achieve optimal business results, business planning and forecasting, sales operations, direct marketing and digital banking. Her career includes management positions with Bank of America and Countrywide Financial, and consultant positions with A.T. Kearney and Accenture. Cindy was a certified college consultant of Hartland Institute of Financial Education

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