Saad El-Hajjaoui
XEL · Ontario, California
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.
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Facts
| Firm | XEL |
|---|---|
| Based in | Ontario, California |
| Fee model (firm's Form ADV) | Percentage of assets · Fixed fees |
| Assets under management | $8.5M across 46 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, OR · CRD 7128429 |
| Exams passed | Series 63 (2019) · Series 65 (2023) |
| Firm size | 1 employee |
| Disclosures | None reported |
How Saad's firm compares
- XEL's average account is about $185,000, from its Form ADV (assets managed divided by 46 accounts).
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Questions about Saad
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in California
Where this information comes from
- SEC adviser records : 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 : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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