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They include 608 individual clients and 51 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does X Advisors offer?","answer":"X Advisors provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does X Advisors charge?","answer":"X Advisors charges up to 2.50% a year for its Asset management services. The fee is billed in advance and is negotiable.","source":"BROCHURE NEW 2025 BROCHURE, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does X Advisors use?","answer":"X Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $190M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does X Advisors have?","answer":"X Advisors has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 0 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does X Advisors invest in?","answer":"At the end of its last fiscal year, X Advisors’ separately managed accounts held 45% registered funds (mutual funds, ETFs, BDCs), 40% exchange-traded equities, 5% U.S. government and agency bonds, 5% state and local bonds, 2% cash and equivalents, 2% other and 1% investment grade corporate bonds. The 2% other category is described as: Alternative Investments.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns X Advisors?","answer":"X Advisors’ direct owner is Betsy Ginn (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does X Advisors get paid?","answer":"X Advisors is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact X Advisors?","answer":"X Advisors’ main office is at 2646 Santa Maria Way, Suite 104, Santa Maria, CA 93455. Its phone number is 805-465-9232.","source":"Form ADV Part 1A, Item 1.F, filed 18 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/x-advisors-315838/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-11","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2139999/000213999926000001/0002139999-26-000001-index.html","totalValue":37559372,"positionCount":36,"top10Share":0.5636593444640129,"top10":[{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":5436007,"shares":17386,"shareType":"SH"},{"issuer":"EXXONMOBIL HLDGS CORP","titleOfClass":"COM","cusip":"30231G102","value":2333947,"shares":17106,"shareType":"SH"},{"issuer":"CANTOR FITZGER 9.5 PFDPFD SER A","titleOfClass":"PFD","cusip":"138615802","value":2111200,"shares":80000,"shareType":"PRN"},{"issuer":"NEXPOINT REAL ES 9 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}