Terms & conditions.

EFFECTIVE SEPTEMBER 9, 2026

1. Acceptance of these terms

These Terms & Conditions govern your use of xelwealth.com and the related services described here, including the portals we use to exchange documents with you and our email and text-message communications. By using this website or communicating with us through it, you agree to these terms. If you do not agree, please do not use the site.

These terms are between you and Xel Wealth Management, Inc. (“XWM”, “we”, “us”) and, where applicable, its affiliates Xel Advisors, Inc. and XA Insurance Services, Inc.

2. Information only — not advice

Everything on this website is general information. It is not investment, tax, legal, or insurance advice, it is not a recommendation to buy or sell any security, and it does not create an advisory relationship or a fiduciary duty. Markets and rules change; do not act on anything here without advice about your own situation.

An advisory relationship begins only when you and XWM sign a written advisory agreement describing the scope of the engagement, the services, and the fees. Submitting a form, booking an intro call, linking an account, or exchanging messages does not by itself create one, and nothing on this site is an offer to sell or a solicitation to buy advisory services where we are not registered or exempt from registration.

3. The advisory agreement controls

Where an advisory agreement exists between us, that document governs the services and controls over these terms in the event of a conflict — including as to scope, discretion, fees and billing, custody, proxy voting, confidentiality, assignment, dispute resolution, and termination. Our Form ADV Part 2A brochure describes those arrangements and our conflicts of interest, and is available on our disclosures page.

4. Our entities and what each provides

Investment advice and financial planning are provided by XWM, a Registered Investment Adviser licensed in California, Oregon, and Florida — registration does not imply a certain level of skill or training. Tax, accounting, and business advisory services are provided by Xel Advisors, Inc. at xeladvisors.com. Insurance products are provided by XA Insurance Services, Inc., which is compensated by carrier commissions.

Each is a separate legal entity. Engaging one does not require engaging another, and each engagement carries its own agreement, compensation, and disclosures. Where our people are licensed with more than one entity, that is a conflict of interest we disclose in Form ADV.

5. Your responsibilities

When you work with us, you agree to:

• provide complete and accurate information about your circumstances, and to tell us promptly when something material changes — income, employment, family, goals, risk tolerance, or accounts held elsewhere;
• review the statements your custodian sends you and compare them with any report we provide, and tell us about anything that looks wrong;
• respond to our requests for documents and approvals in time to act on them;
• keep your portal and custodian credentials confidential and notify us immediately if you suspect unauthorized access;
• not send sensitive personal information by unencrypted email or text, and not use email or text to instruct a trade or a funds transfer.

We rely on the information you give us and do not independently verify it unless the engagement expressly says so. Advice based on incomplete information may be wrong for you.

6. Electronic delivery & e-signature

We use Charles Schwab & Co., Inc. as custodian, eMoney Advisor for financial planning and account aggregation, and Microsoft 365 for email and document storage. Your use of those platforms is also subject to their own terms and privacy policies, and your accounts are held at the custodian in your name — we never take possession of your assets.

By using our portals you consent to receive documents, notices, and disclosures electronically, and you agree that electronic signatures and records have the same legal effect as handwritten signatures and paper records under the federal E-SIGN Act and comparable state law. You may withdraw consent to electronic delivery by contacting us, though some services depend on it. You are responsible for maintaining an accurate email address and for downloading and retaining copies of your documents; portal access may end when an engagement ends.

7. Text messaging (SMS) terms

We use RingCentral for calls and text messaging. If you give us your mobile number and consent, we may text you about your engagement — documents, deadlines, meeting reminders, and firm updates. Consent to texts is never a condition of service.

By submitting your contact information, you agree to be contacted about your request & other information using text messaging. Message frequency may vary. Message & data rates may apply. You can opt out any time by texting STOP to cancel. For assistance, text HELP or visit our website at www.xelwealth.com. Visit www.xelwealth.com/privacy for privacy policy and www.xelwealth.com/terms for Terms and Conditions. No mobile information will be shared or sold to third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Text messaging is not a secure or archival channel and is not an acceptable way to deliver instructions that require documentation — for example, authorizing a trade, a withdrawal, or a funds transfer. Use the portal or a signed document for those. We are not responsible for messages that are delayed or not delivered by a carrier.

8. Advisory fees

Advisory fees are set in your advisory agreement and described in Form ADV Part 2A. We are compensated by client fees; we do not accept commissions, revenue sharing, or payment for order flow on advisory assets. Intro calls described as free on this website are free — no obligation, no payment details required.

9. Investment risk — no guarantees

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results, and no strategy — including diversification or asset allocation — guarantees a profit or protects against loss in a declining market. Any performance figures, projections, target returns, or planning illustrations on this site or in a plan we prepare are hypothetical, rest on assumptions that will not hold exactly, and are not a promise of any outcome. Assets held at the custodian are not bank deposits, are not FDIC insured, and may lose value; SIPC coverage protects against custodial failure, not market losses.

10. Intellectual property

The content, design, text, graphics, logos, and marks on this site are owned by XWM or its licensors and are protected by copyright and trademark law. You may view, download, and print pages for your own non-commercial reference. You may not republish, sell, scrape, systematically copy, or use our content to train a machine learning model without our written permission. The Xel name and logo may not be used without permission.

CFP® and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by Certified Financial Planner Board of Standards, Inc. Third-party names and logos belong to their owners and appear for identification only.

11. Third-party links & services

This site links to third-party resources — the SEC’s Investment Adviser Public Disclosure site, our custodian, planning and scheduling tools, and our affiliates. We do not control them, are not responsible for their content, availability, or practices, and a link is not an endorsement. Where we reproduce a figure, rate, or limit for convenience, the issuing authority is always the authoritative source.

12. No warranties

This website is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, secure, or error-free, or that content — including figures, rates, and third-party links — is current or complete.

13. Limitation of liability

To the fullest extent permitted by law, XWM and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill, arising out of your use of this website. Our total liability arising from your use of the website will not exceed one hundred U.S. dollars ($100).

Liability relating to advisory services is governed by the applicable advisory agreement, not by this section. Nothing in these terms waives any right or remedy you have under the Investment Advisers Act of 1940 or applicable state securities law, or limits our fiduciary duty to you as an advisory client — and no such waiver is intended or would be enforceable. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

14. Indemnification

You agree to indemnify and hold XWM harmless from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your misuse of this website, your violation of these terms, or your infringement of another party’s rights.

15. Privacy

Our Privacy Policy explains what we collect, how we use and share it, how we protect it, and your rights, including our practices under Regulation S-P. It is incorporated into these terms by reference.

16. Governing law & disputes

These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, and the state and federal courts located in San Bernardino County, California will have exclusive jurisdiction over any dispute relating to this website — except where an advisory agreement specifies a different forum or requires arbitration, in which case that agreement controls.

17. Changes to these terms

We may update these terms as our services, technology, or the law changes. The effective date at the top reflects the current version, and your continued use of the site after an update means you accept it.

18. Contact

Xel Wealth Management, Inc. · 337 N Vineyard Ave, Suite 230, Ontario, CA 91764 · wealth@xeladvisors.com · +1 (909) 635-9310 · SEC firm number 329693.