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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 J.W. Cole Advisors, Inc. preparing for Client a written financial plan covering specific or multiple topics as described below.  

    *Investment Portfolio Design:  Location, location, location, just like real estate investing.  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.

    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.       

    *Investing involves risk of loss of principal.  Neither asset allocation nor any investment strategy ensure a profit or guarantees against a loss.  Past performance is no guarantee of future results.  

    Net Worth, Budgeting and Cash Flow Analysis:  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 Needs Analysis:  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.   

    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. 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. 

    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 driving 100 mph on the freeway (very fast and dangerous) and we don't invest like someone walking 1 mph on a walking path (ultra slow and very cautious). 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.

    *Investing involves risk of loss of principal.  Neither asset allocation nor any investment strategy ensure a profit or guarantees against a loss.  Past performance is no guarantee of future results.  

    Social Security Optimization:  With many Americans facing an underfunded retirement, the long term preservation of your nest egg is very important.  Understanding the intricacies of the Social Security retirement system is critical to your plan.  With nearly 3,000 filing rules and hundred's of filing options, when to file and how to claim benefits is a very important process that involves in depth planning and up to date knowledge.  Make sure you get the most from Social Security, understand the key factors that affect your monthly Social Security payment and the payment strategies available to you.  

    Our firm is not affiliated with nor endorsed by the Social Security Administration or any governmental agency.  

    Financial Planning Projects will range from $1,000-$5,000 (fees will range based on the complexity of the client's situation) one-time flat fee or $250/hour for needs based Consulting.  After an initial discovery meeting, the client will be given the project cost and project scope and the fee will be agreed upon before the start of any work.  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: investment portfolio design, net worth, budgeting and cash flow analysis, insurance needs analysis, retirement income planning and social security optimization.  

    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

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    Nathan Sadowski
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    Family-owned and operated, Pacific Excel Wealth Advisors, Inc. is an independent wealth management firm, founded in 2011.

    Advisory services are offered through J.W. Cole Advisors, Inc. (JWCA).  Pacific Excel Wealth Advisors, Inc. (PEWA) and JWCA are not affiliated entities.  One or more individuals at PEWA are registered as Investment Adviser Representatives of JWCA with certain State securities divisions.  PEWA Investment Adviser Representatives receive fee-based compensation in exchange for soliciting advisory services, which are provided by JWCA on behalf of PEWA clients.  Additional information regarding the specific investment advisory services which are offered by JWCA can be found in JWCA’s Form ADV Part 2A Brochure (the Brochure), which is available on JWCA’s website - jw-cole.com.

    Insurance services and products are offered through Pacific Excel Insurance Services, Inc., an independent insurance agency - California Licenses 0F91699 and 0L77279.

    Pacific Excel Wealth Advisors, Inc. and Pacific Excel Insurance Services, Inc. are under common control.

    In addition to providing certain investment advisory services on behalf of J.W. Cole Advisors, Inc. (JWCA), as described in the Brochure, Pacific Excel Wealth Advisors, Inc. (PEWA) and individuals who are associated with PEWA might offer to and/or provide to its clients certain other services and/or products which are outside of JWCA’s and/or its affiliates' supervision and/or control, including but not limited to insurance-related and estate and/or tax-planning services and/or products (Other Services). Website users are advised that Other Services are offered and/or provided exclusively by PEWA and that they are not endorsed, offered, provided, supervised and/or controlled by JWCA and/or its affiliates. Insurance services and products are offered by PEWA and they are not offered by JWCA. Guarantees are associated with insurance services and products which are backed by the financial strength and claims-paying ability of the issuing company and might be subject to restrictions, limitations and/or early withdrawal fees, which vary by the issuing company. They do not refer in any way to investment advisory services.

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