# Saad El-Hajjaoui

> Saad El-Hajjaoui is a fee-only financial advisor at XEL in Ontario, California, who holds the CFP credential. XEL reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/saad-el-hajjaoui/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** XEL
- **Based in:** Ontario, California
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $8.5M across 46 accounts
- **Credentials:** CFP
- **CRD:** 7128429 (https://adviserinfo.sec.gov/individual/summary/7128429)
- **SEC registration:** Investment adviser representative in CA, OR
- **Exams passed:** Series 63 (2019), Series 65 (2023)
- **Firm size:** 1 employee
- **Disclosures:** None reported

## Frequently asked questions

### Is Saad El-Hajjaoui a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Saad holds no broker registration, and XEL reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Saad charge for financial advice?

Saad's firm, XEL, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Saad El-Hajjaoui based?

Saad El-Hajjaoui is based in Ontario, California.

### What credentials does Saad El-Hajjaoui hold?

Saad El-Hajjaoui holds the CFP credential.

### Is Saad El-Hajjaoui registered with the SEC?

Yes. Saad El-Hajjaoui is registered as an investment adviser representative in CA and OR (CRD 7128429), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does XEL manage?

XEL reports $8.5M across 46 accounts in assets under management.

### How do I contact Saad El-Hajjaoui?

Contact details aren't on file yet. Search for XEL.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7128429): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.