# Xcel Wealth Management

Xcel Wealth Management is a Bank / Wealth / Trust based in Holly Hill, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Holly Hill, United States
- **Region:** North America
- **Address:** Holly Hill, FL, United States
- **Founded:** 2011
- **Assets under management:** Undisclosed
- **Website:** xcelwealth.com

## Regulatory record

- **CRD number:** 158863
- **SEC file number:** 801-113826
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/158863

## About

Xcel Wealth Management was founded in 2011 in Holly Hill, Florida, a small coastal city north of Daytona Beach. The firm operates as a registered investment advisor, a regulatory designation that places it squarely in the fiduciary camp — legally required to act in its clients' best interests rather than merely recommending suitable products. The firm's investment approach appears rooted in traditional wealth-management building blocks: portfolio construction, asset allocation, and ongoing rebalancing across publicly traded securities. The firm's geographic base in Volusia County places it within a retiree-dense, income-oriented demographic, which often shapes a book toward capital preservation and yield generation. No direct private-company investments, real-asset vehicles, or alternative fund commitments have been publicly associated with the firm. Team size, total assets under management, and named principals are not publicly disclosed — a common profile for independent RIAs below the SEC's mandatory Form ADV Part 2 public-reporting thresholds or those filing as state-registered advisors. Many firms of this type operate with one to three advisors and a lean support staff, serving a few hundred households. The absence of a dedicated LinkedIn presence, institutional press coverage, or publicly searchable ADV filing limits visibility into the firm's scale and operational footprint. Xcel's structural differentiator lies in its simplicity: it is a locally rooted, fiduciary-standards RIA serving a specific geographic community. In an industry increasingly dominated by consolidating roll-up platforms and hybrid robo-advisory models, a small single-office RIA can differentiate through intimate client relationships, highly tailored service, and a compensation model divorced from product-commission conflicts. Whether the firm intends to remain a lifestyle practice or pursue succession-driven scale remains an open question, a nuance that matters for any allocator evaluating it as a strategic partner.

## Questions

### Is Xcel Wealth Management a fiduciary?

As a registered investment advisor (RIA), Xcel Wealth Management is subject to a fiduciary duty that legally obligates the firm to act in the best interests of its advisory clients. This standard is higher than the suitability standard that governs broker-dealers, and it requires the firm to disclose material conflicts of interest and to place client interests ahead of its own. The fiduciary obligation is a foundational element of the RIA structure and shapes how the firm constructs portfolios, selects investments, and prices its services.

### How does Xcel Wealth Management charge for its services?

Registered investment advisors commonly charge clients through one of three models: a percentage of assets under management, a fixed retainer fee, or an hourly rate. Xcel Wealth Management has not publicly disclosed its fee schedule, but most independent RIAs of its profile favor an asset-based fee model that aligns the advisor's revenue with client portfolio performance. Any prospective client should request and review the firm's Form ADV Part 2, which details pricing, services, and conflicts by regulatory mandate.

## Related profiles

- [Xcel Energy Inc.](https://altss.com/profile/xcel-energy-inc-xei)
- [XCMG Construction Machinery](https://altss.com/profile/xcmg-construction-machinery)

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Last updated: 2026-08-11T02:43:31.692Z

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