Saad El-Hajjaoui, CFP®

Saad El-Hajjaoui leads Xel Wealth Management from the firm’s Ontario, California headquarters. A CERTIFIED FINANCIAL PLANNER™ professional, he built the firm’s practice around a conviction formed inside the CPA office next door: the plan and the tax return are the same picture, and advice gets materially better when the people responsible for each sit at one table.

His client work centers on business owners and the families behind them — owner compensation, retirement plan design, concentration and liquidity decisions, and the long run-up to an exit. The portfolio matters, but in Saad’s practice it comes second: first the written plan, then investments built to fund it.

Clients know him for direct answers, returned phone calls, and recommendations that always arrive with the reasoning attached. Every engagement begins the same way: a thirty-minute conversation where he mostly listens.

“Nobody needs a product pitch. They need someone to look at the whole picture and say: here’s the order to do things in, and here’s why.”

What the CFP® marks mean.

CERTIFIED FINANCIAL PLANNER™ certification is granted by the CFP Board to advisors who complete graduate-level coursework across insurance, investments, tax, retirement, and estate planning, pass a comprehensive board exam, log thousands of hours of planning experience, and commit — in writing, renewed annually — to a fiduciary standard and the Board’s code of ethics. It is the credential Saad built the firm’s practice standards around: plan first, full-picture always, and every recommendation defensible on paper.