Services / Investment Management

Portfolios managed to your plan.

Diversified, low-cost, tax-aware portfolios — managed as a fiduciary, held at an independent custodian, and built to fund the plan rather than chase headlines.

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What we believe about investing.

Markets reward patience and diversification; they punish forecasting and fees. So our portfolios are built on broad diversification, low internal costs, and discipline — the risk level set by your plan and your capacity, not by whatever the market did last quarter.

What you won't find here: market timing, concentrated bets on this year's story stock, or performance promises. The evidence against all three is decades deep, and we don't spend client money testing it again.

Taxes are where management earns its keep.

The difference between an average portfolio and a well-run one often shows up on the tax return, not the statement: asset location (which holdings live in taxable versus retirement accounts), loss harvesting when markets hand you the chance, gain deferral, and charitable positioning. Because your CPA at Xel Advisors can sit in the same review, realized gains are coordinated before year-end — not discovered at filing time.

Every account is visible in one place through the eMoney portal, and every rebalance has a reason you can ask about.

What's actually in the portfolio.

Mostly low-cost, broadly diversified funds and ETFs across global stocks and investment-grade bonds, weighted to the risk your plan calls for. Individual positions you bring with you are handled on their own merits — kept, hedged, or unwound on a tax-aware schedule rather than liquidated on day one. We don't sell proprietary products, and no fund pays us to be chosen: the only compensation in the portfolio is the advisory fee you agreed to, disclosed in Form ADV Part 2A.

Moving an existing portfolio is engineering work, not paperwork. Before anything transfers, you'll see a written transition map — what moves in kind, what gets sold and when, and what the tax bill of the move is expected to be.

Accounts we manage

Taxable brokerage & trust accounts
Traditional & Roth IRAs
Old 401(k)/403(b) rollovers — when they make sense
SEP & Solo 401(k) for owners
Inherited & beneficiary accounts

Custody: Charles Schwab & Co., Inc. · Reporting: eMoney

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How the portfolio gets built.

Process

Risk & capacity

Not a ten-question quiz. We measure what your plan requires, what your cash flow can absorb, and what you can genuinely live with in a drawdown.

Investment policy

A written policy statement sets the targets, the ranges, and the rules — so decisions in a volatile week were already made in a calm one.

Monitor & rebalance

Ongoing monitoring, rebalancing inside the policy ranges, and tax-aware trading — with a plain-English note whenever something changes.

Fair questions, straight answers.

FAQ

Where is my money actually held?At Charles Schwab & Co., Inc., an independent qualified custodian, in accounts titled in your name. Xel Wealth Management directs the investments under a limited authorization — we never take custody of your assets.

Can you manage an old 401(k) or an inherited account?Usually, yes — old workplace plans, IRAs, Roth accounts, taxable brokerage, trusts, and inherited accounts. Whether a rollover makes sense is itself an analysis, and sometimes the answer is to leave a plan where it is.

How do your fees work?Advisory fees are explained plainly in our Form ADV Part 2A and in your advisory agreement before you sign anything — no commissions on portfolio trades, no products sold from the portfolio. Ask us anything about cost on the intro call.

Will you beat the market?We won't promise that, and you should be wary of anyone who does. Our job is to capture market returns efficiently, manage risk you're actually compensated for, and keep taxes and costs from eating the result.

I already have a portfolio with big embedded gains. Do you sell everything?No. Transitions are engineered, not dumped: we map the embedded gains, decide position by position what to keep, harvest, or unwind over time, and coordinate the realization schedule with your CPA so the tax cost of moving is deliberate.

How often will I hear from you?Scheduled reviews on a set rhythm, a plain-English note whenever something changes in the portfolio, and an answer within a business day when you call or write. Silence between statements is not our service model.

Ask us anything about your portfolio. We’ll answer in English.

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