Firm / About
A fiduciary firm, built inside a CPA family.
Xel Wealth Management exists because the industry’s default — a tax preparer, an investment person, and an insurance agent who never speak — kept costing clients real money.
Why we exist.
Inside a CPA practice you see the whole truth of a household’s finances — and you see what fragmentation costs. Capital gains realized in November that a five-minute call would have deferred. Retirement plans mismatched to payroll. Insurance bought twice, or not at all. Xel Wealth Management was founded to close those gaps by putting a fiduciary advisor at the same table as the CPA.
We are a Registered Investment Adviser — legally bound to act in your best interest, in writing. Advice is driven by the plan; portfolio trades carry no commissions; and anything we recommend comes with the reasoning attached. Our regulatory filings are on the disclosures page.
How the family fits together.
Three affiliated firms, three licenses, one table: Xel Advisors, Inc. provides tax, accounting, and business advisory. Xel Wealth Management, Inc. — this firm — provides financial planning and investment management. XA Insurance Services, Inc. brokers insurance. Each engagement is separate and disclosed; the value is that, with your permission, they share one picture of your finances.
Where we work.
The firm operates from Xel’s Ontario, California office and is licensed in California, Oregon, and Florida. Clients meet us in person at any Xel office or virtually — most reviews happen over a screen and a shared portal either way.
What year one looks like.
The first ninety days are the heavy lift: discovery, the written plan, the investment policy, and the account transitions — each explained before it happens. After that the engagement settles into a rhythm: scheduled reviews, a year-end tax planning session with your CPA at the table, an annual re-run of the full plan, and an open line in between. You will always know what we did, why we did it, and what it cost.
- Registered Investment Adviser
- Licensed in CA, OR & FL
- HQ: 337 N Vineyard Ave, Ste 230, Ontario, CA
- Custodian: Charles Schwab & Co., Inc.
- Planning portal: eMoney
- Led by Saad El-Hajjaoui, CFP®
What being a fiduciary means here.
StandardsYour interest, first
As an RIA we owe you a fiduciary duty — loyalty and care — on every recommendation, not just at account opening.
Costs in plain English
Advisory fees are spelled out in Form ADV Part 2A and your agreement before you sign. If a cost can’t be explained in one sentence, we don’t charge it.
Your assets, your name
Client accounts are held at Charles Schwab & Co., Inc., an independent qualified custodian. We direct investments; we never hold your money.
One table. Every advisor.
Xel Wealth Management was built inside a CPA firm on purpose. Your financial plan and your tax return are the same picture — so our advisors work alongside the CPAs, payroll team, and insurance brokers at Xel Advisors, with your permission and your whole balance sheet in view.
The Xel family of firms
Xel Advisors, Inc. — tax, accounting & business advisory
Xel Wealth Management, Inc. — investment advisory (this site)
XA Insurance Services, Inc. — insurance brokerage