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    Financial Planning and Consulting

    Do you need advice on how to allocate your 401(k) or other employer sponsored retirement plans?  How do you fund or pay for upcoming life financial events such as buying a home, starting a new job or business?  Are you getting married, starting a family, filling for divorce?  Budgeting for retirement or vacation?  Financial planning services involve Global Financial preparing for Client a written financial plan covering specific or multiple topics as described below.  

    Asset Allocation:  Location, location, location, just like real estate investing, 90% of your returns can be traced back to your asset allocation.  Proper risk management and portfolio allocation are a must in financial planning.  Different asset classes tend to act in specific ways.  By choosing how to divide your portfolio, you have a certain amount of control over the experience you'll have as an investor.   

    Budgeting and cash flows:  Know where you are and where you want to be.  These personal goals and objectives should detail outcomes important enough to motivate your daily focus and action.  Knowing whether you are in the black or the red will define where your money is being spent.  Positive cash flow is ideal and will allow you to save or invest.  Negative cash flow is a good indication that you are living beyond your means and are likely incurring debt.  

    Cash Flow = Total Income - Total Expenses

    Once you know whether your cash flow is positive or negative, you can begin the process of defining a budget.  This will help encourage the setting of financial goals to be compared with actual spending patterns so that the occasional course corrections can be had before things get out of hand.  

    Insurance Planning:  Insurance is an important element of a sound financial plan.  Different kinds of insurance help protect you and your loved ones in different ways against the cost of accidents, illness, disability and passing away before your time.  It's important to review your current coverage, is it enough?  Perhaps you're not sure which coverage is best for you and need help picking the right amount of coverage.  The insurance decisions you make should be based on your family, age and economic situation.  There are many types of insurance and one size doesn't fit all.   

    Investment Planning:  Having an investment plan is like mapping a road trip and knowing your destination before you begin a journey.  Imagine you want to visit a relative, but you don't know where they live.  Would you get in your vehicle and start driving, hoping you eventually find them?  No-you'd get the address and map out your route.  Think of your investment plan as a map to get you towards your financial goals.  It will help you set your destination and the route that will get you there.  An advisor can be your driver, if you want someone behind the wheel to bounce ideas from.     

    Portfolio Review:  We provide analysis on your current situation, map out your current risk/fees in your portfolio.  Snapshot of current holdings, along with stock intersection and cash flows.  We review our recommendations for moving forward and details on our investing approach.  

    Retirement Income Planning:  Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move from growth to more income producing strategies. According to a recent study, for a married couple age 65, there is now a 50 percent chance that at least one spouse will live to age 94.  This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

    One drawback to a longer life is the greater possibility of outliving your savings — creating even more reason to develop a retirement income strategy designed to last a longer lifetime. Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.

    A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years, and your assets may not have as much time to recover.

    As Advisors, we don't invest like cars on the freeway (aggressive) and we don't invest like someone walking on a walking path (conservative). We invest somewhere in between riding a bike on a bike trail (conservative moderate) and someone riding a bike in the bike lane on a street (moderate aggressive). Through our consultative process, we figure out which path is best for you.  Diversifying your retirement assets among a variety of vehicles — both through insurance products and investments, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals throughout your lifespan.

    Financial Planning will range from $500-$2500 (fees will range based on the complexity of the client's situation) one-time flat fee or $150/hour for needs based Consulting.  From time to time we all have situations that call for professional advice and specific recommendations based on a specific financial situation.  A full written plan will typically address the following topics: asset allocation, budgeting and cash flows, insurance planning, investment planning, portfolio reviews and retirement income planning.

     

    To schedule a time to discuss your financial future and the possible role of insurance and investments in your financial strategy, contact us at admin@pacificexcel.com or call us at (510) 217-8125 today!

    By contacting us, you may be offered information regarding the purchase of insurance and investments products.

    Contact Us Today!

    Phone: (510) 217-8125

    Fax: (510) 227-5931

    admin@pacificexcel.com

    2413 Webb Ave. Suite B
    Alameda, CA 94501-2922



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    Investment Advisory Services offered through Global Financial Private Capital, LLC. SEC Registered Investment Adviser. 

    Insurance Services offered through Pacific Excel Insurance Services, an Independent Insurance Agency, CA License # 0F91699

    Global Financial Private Capital has no affiliation with the website represented. Global Financial Private Capital is not responsible for their views and opinions, and makes no representations or warranties about the accuracy, reliability, completeness or timeliness of the content and does not recommend or endorse any specific information herein. 
    Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Simply click on one of the general financial topics below and you'll find a selection of easy-to-use calculators about related financial topics. 
    These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.