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    Why should you choose Pacific Excel Wealth Advisors?

    Benefits of working with an independent SEC registered investment adviser (Global Financial Private Capital with over $6 Billion of Assets Under Management as of 12/31/2017)

    Family owned and operated: Our firm's values reflect those of a closely held family organization that acts in the best interest of our clients and employees.  

    Understand exactly what you pay for: We charge a fee based on a percentage of total assets managed, which align our interests with yours, when you do well, we do well. While our clients do pay transaction charges directly to a custodian or broker-dealer for trades, Pacific Excel Wealth Advisors doesn't earn commissions on these transactions.  This tiered fee structure is simple, transparent and easy to understand.

    Passive Investment Management (index investing)

    $500,000 to $1,999,999 Annual Rate 1.25%
    $2,000,000 to $4,999,999 Annual Rate 1.00%
    $5,000,000 and up, Annual Rate 0.75%

    Active Investment Management (attempt to beat the market with various investing strategies)

    $500,000 to $1,999,999 Annual Rate 1.50%
    $2,000,000 to $4,999,999 Annual Rate 1.25%
    $5,000,000 and up, Annual Rate 1.00%

    Minimum portfolio for Investment Management: Currently we manage client portfolio's that are between $500,000 - $5,000,000 however, under certain circumstances, account minimums may be negotiable.  

    Know where your money is held: Our client's assets are held at independent qualified third-party institutions such as Fidelity, Schwab and TD Ameritrade Institutional. Our custodians have strong balance sheets, and their primary business is servicing client assets rather than trading for their own accounts. Clients have real-time online access to accounts and transactions.

    UMA's and SMA's: Unified managed accounts (UMA's) provide a comprehensive management structure, in a single account, that centralizes asset management, investment selection, account administration and performance reporting. The unified managed account (UMA's), permits investors to build a diversified portfolio under a single asset allocation model. A single model can contain a diverse range of investments, equity, fixed income, funds (ETF's) and risk-managed strategies. Unified managed accounts give advisors and investors the ability to consolidate all of their investments into one diversified portfolio creating operational efficiencies and allowing for account customization.

    Separately managed accounts (SMA's) contain a mix of customized portfolios of stocks and fixed income securities that are managed on the investor’s behalf by the sponsor firm or financial professional. Since the investor directly owns the underlying securities in the separately managed account, these types of investments can offer the opportunity to address the timing of potential tax liabilities, in addition to other services that can be tailored specifically to address investors’ needs.

    Separation of advisory, custody and asset management functions: This separation improves transparency and accountability, limits the potential for conflicts of interest, and provides for multiple independent reviews and oversight of accounts.

    Institutional investing rather than Retail: The retail financial industry predominantly distributes its products and advice through a broker; a person who introduces a willing buyer to a willing seller of a product. The broker’s job is to close the transaction between their “client” and the “market.” For brokering this transaction, they generally get paid a commission depending upon how much product they transact, irrespective of the benefit of the transaction to the client. In many cases, the commission they receive depends upon the benefit to the company that manufactured the financial product.

    A broker has no responsibility to provide “best advice” to either buyer or seller. Retail products, such as Mutual Funds, are designed to give the general public easy access to financial markets. Distribution and marketing costs, together with internal trading commissions, are built into these retail products to make them profitable for the large retail brokerage firms to create, operate and distribute.

    Institutional investments are usually handled by advisors or consultants. Their job is to act as fiduciary providers of advice for which they normally receive a quarterly fee based on the value of the client’s assets being advised.

    Institutional-level advisors and consultants can often help investors to bypass the additional costs of the retail brokerage market. Institutional account holders generally trade directly without the extra costs associated with retail distribution and marketing.

    No Minimum for Financial Planning or Insurance Only clients: 

    Other fees may include Financial Planning or Consulting.  

    Financial Planning will range from $500-$5000 (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, retirement income planning and social security optimization.  Financial Planning services offered through MoneyGuide Pro.

    For Insurance Only clients, the advisor will determine the suitability of the insurance product for the specified client and the insurance company in return compensates the advisor rather than the client.    


    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


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

    Who We Are / Our Focus
    Nathan Sadowski
    We want to help you achieve your short-term financial goals today, while working toward your long-term goals for the future.
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    *Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier.

    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.