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Services / Wealth Management

Wealth management for business owners.

Your biggest asset doesn’t trade on an exchange. We build the plan around the business — owner compensation, liquidity, and the eventual exit — with your CPA at the same table.

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Advisory services are provided by Xel Wealth Management, Inc., a Registered Investment Adviser — explore the firm’s dedicated site at xelwealth.com →

What this can cover.

For owners

Scope is set per client. Not every line below applies to every engagement — some are not necessary at all — and what we take on is agreed with you before any work starts.

250.1Owner Compensation StrategySalary, distributions, and retirement contributions set with the tax return open — not guessed at.
250.2Concentration & LiquidityA plan for the fact that most of your net worth is one illiquid asset — reserves, credit, and diversification on a schedule.
250.3Retirement Plan DesignSolo 401(k) to cash balance — the owner’s largest deduction and wealth builder, designed for your payroll.
250.4Exit & Succession ReadinessValuation, deal structure, and after-tax proceeds modeled years before a sale — when you can still change the answer.
250.5Estate & Risk CoordinationBuy-sell funding, key-person coverage, and wealth transfer that survive both the exit and the estate.
250.6Personal Portfolio DesignA portfolio invested around the business’s risk — not blind to it.

Built with your CPA at the table.

The Xel way

Business owners get the most fragmented advice in finance: a CPA who sees the company, an advisor who sees the brokerage account, an insurance agent who sees neither. The expensive decisions live in the gaps — owner comp that ignores QBI, a sale negotiated before anyone models the after-tax number, a buy-sell agreement no one funded.

At Xel the same table holds all of it. Your tax plan, your exit readiness, your retirement design, and your coverage are one engagement — led by Saad El-Hajjaoui, CFP® through Xel Wealth Management, Inc., a Registered Investment Adviser held to the fiduciary standard.

DELIVERABLE

The owner’s plan

  • A one-page owner balance sheet — business and household together
  • A written comp & distribution policy
  • An exit-readiness scorecard, updated annually
  • After-tax projections for every major scenario
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FAQs.

Quick answers
When should I start planning an exit?Three to five years out — that’s when entity structure, deal readiness, and tax elections can still move the after-tax number materially. The best time to start is before you think you need to.
Nearly everything I have is in the business. Isn’t wealth management premature?The opposite — that’s exactly when comp strategy, retirement plan design, and liquidity planning matter most. The portfolio comes later; the plan starts now.
Will you work with my attorney and banker?Yes — we coordinate with outside counsel, lenders, and deal advisors routinely. Integration is the point.
Who actually provides the investment advice?Xel Wealth Management, Inc., a Registered Investment Adviser. Advice is fiduciary — it must be in your interest, and fees are transparent.

Available at every office.

And everywhere else

Work with a local advisor in person, or run the whole engagement remotely — same team, same portals, same standard.

Wealth management for business owners in Eugene, OR Wealth management for business owners in Salem, OR Wealth management for business owners in Ontario, CA Wealth management for business owners in Orlando, FL Wealth management for business owners in Savannah, GA Wealth management for business owners — virtual, all 50 states

Your business is the plan. Let’s build around it.

Book your free consultation