Xel Wealth Management · Registered Investment Adviser
Wealth, built next to your tax return.
Xel Wealth Management is a fiduciary advisory firm that works side by side with the CPAs at Xel Advisors. Your financial plan, your portfolio, and your tax strategy are one picture, so your advisor and your CPA work at the same table.
What we do.
ServicesFinancial Planning
A written plan connecting goals, cash flow, taxes, and investments, reviewed on a schedule, not when markets make headlines.
Explore planning → XW 02Investment Management
Diversified, tax-aware portfolios managed to your plan as a fiduciary. Assets held at an independent custodian in your name.
Explore investing → XW 03Retirement Income
Turning decades of saving into a durable paycheck: withdrawal order, Social Security timing, Roth conversions, and RMDs.
Explore retirement →The flagship engagement
Built for business owners.
Most of our clients own the company that built their net worth. That changes everything about the plan: concentration risk, owner compensation, retirement plan design, liquidity, and, eventually, an exit. Generic wealth management treats the business as a footnote. We treat it as the largest position in the portfolio.
Because Xel Wealth Management sits beside the CPAs at Xel Advisors, the plan and the tax return are built from the same numbers, with your permission, and no forwarding statements between offices.
- Owner compensation & entity coordination
- Retirement plan design: 401(k), cash balance
- Concentration & liquidity policy
- Exit readiness, years before the exit
- Investing the proceeds after a sale
How an engagement starts.
ProcessIntro call
Thirty minutes with an advisor. You talk, we listen, and we both decide whether there's a fit. No documents required, no obligation.
Discovery
We gather the full picture (accounts, tax returns, business financials, insurance, estate documents) through a secure portal.
The plan
You get a written plan and an investment proposal in plain English: what to do, in what order, and what each step is worth.
Implement & review
We put the plan to work, then meet on a set rhythm, and any time life changes. The plan is a living document, not a binder.
Leadership
Led by a CFP® professional.
Saad El-Hajjaoui, CFP®, directs Xel Wealth Management from the firm's Ontario, California office and works with clients across California and Oregon, in person in Ontario or by video.
Xel Wealth Management centers on business owners and the families behind them: the plan first, the portfolio second, and a standing rule that every recommendation comes with the reasoning attached.
A fiduciary firm, side by side with a CPA practice.
- Fiduciary advice, in writing
- Registered in California and Oregon
- Assets held at Charles Schwab, in your name
- Planning portal powered by eMoney
- Tax through Xel Advisors, Inc., a separate CPA firm
Who we serve.
ClientsBusiness owners
Your company is your largest asset and your largest risk. Wealth management here starts with the business (compensation, retirement plan design, liquidity, and the exit), not with a brokerage form.
The flagship engagement →High-earning households
Physicians, attorneys, executives, and partners with high marginal tax rates, equity compensation, and no spare hours. A written plan puts every dollar on assignment, with your CPA in the loop.
Start with the plan →Pre-retirees & retirees
The decade around retirement holds the most consequential money decisions of your life: Social Security, withdrawal order, Roth conversions, Medicare. We turn them into a written income plan.
Plan the paycheck →Where we work
California and Oregon.
Xel Wealth Management is registered in California and Oregon. The advisory office is in Ontario, California, serving business owners and families across the Inland Empire and greater Los Angeles. Clients in Oregon work with us by video.
Most relationships run on a screen and a shared portal either way: reviews happen over video with documents in the eMoney planning portal, and in person whenever you want a table at the Ontario office.
- California: Ontario office · Inland Empire · Greater LA
- Oregon: by video
Latest thinking.
All insights →One table. Your advisor, your CPA, your insurance broker.
Xel Wealth Management was built next to a CPA firm on purpose. Your financial plan and your tax return are the same picture, so your advisor works 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
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