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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.  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.   

    *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.  

    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. 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 $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.  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: asset allocation, budgeting and cash flows, insurance planning, investment planning, portfolio reviews, 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

    admin@pacificexcel.com

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



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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

    Investment advisory services offered through Global Financial Private Capital, LLC, an SEC-Registered Investment Adviser. SEC registration does not imply a certain level of skill or training. Pacific Excel Wealth Advisors and GFPC are not affiliated entities. One or more individuals at Pacific Excel Wealth Advisors are registered as investment adviser representatives of GFPC with certain state securities divisions. Investment adviser representatives receive fee-based compensation in exchange for soliciting investment advisory services provided by GFPC on behalf of Pacific Excel Wealth Advisors clients. Additional information regarding the specific investment advisory services and products offered by GFPC can be found within GFPC's Form ADV Part 2A Brochure (“the Brochure”) available on GFPC's website http://gf-pc.com.

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

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