X Advisors

X Advisors

X Advisors was established in 2021 by Ryan Gorski and Loren Grabau. The firm operates from Santa Maria, California, placing it in a region shaped by agriculture, energy, and a growing base of private business owners. Its founding coincided with a wave of post-pandemic relocations to California's Central Coast, which expanded the local pool of affluent families and operating-company founders seeking financial counsel. The firm provides investment management and strategic wealth planning. Its client base is understood to include family business operators, real estate investors, and professionals concentrated in the tri-county area of Santa Barbara, San Luis Obispo, and Ventura. The advisory model typically integrates portfolio construction with estate planning, tax coordination, and business-succession work rather than offering standalone asset management. X Advisors is a owner-operated practice with two named founders. The firm has not publicly disclosed assets under management or a total headcount. Its scale likely reflects a boutique practice serving several dozen multigenerational client relationships, a common profile for independent advisory firms in secondary and tertiary markets across the western United States. Adjacent vehicles, philanthropic structures, or institutional affiliations have not been publicly reported. Structurally, X Advisors departs from the wirehouse model by operating as an independent registered investment adviser — a posture that removes brokerage-house product quotas and allows the founders to build portfolios from unaffiliated managers and funds. That independence, combined with a local-market franchise in a geographically distinct region, creates a book of business that cannot be easily replicated by a national roll-up.