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    Home » What is Wealth Management?

    What is Wealth Management?

    WEALTH MANAGEMENT

    Our style of asset management is similar to the techniques used by large institutions, endowments and funds. We have the ability to actively and directly allocate capital to asset classes across a wide range of sectors and regions without incurring additional fund-related "expense ratios."

    Unlike the trading costs usually hidden inside many retail investment products (such as Mutual Funds), trading costs are fully transparent to our investors. Our Best Price and Execution Policy is public record and we do not "mark-up" the price of trades. 

    Our investments are held within unified managed accounts (UMA's) or separately managed accounts (SMA's) that are supervised by third-party custodians, such as Fidelity, Schwab and TD Ameritrade. The investments are managed directly by institutional-level investment managers on your behalf. These institutional professionals directly purchase a customized selection of securities for your portfolio, in accordance with your stated investment objectives and with the assistance of an investment adviser representative. These securities are registered in your name and traded on your behalf. The separate account structure can also provide clients with tax advantages when compared to retail mutual funds.








    COMMUNICATIONS 

    Most institutional advisors and consultants develop and maintain a written Investment Policy for their institutional clients. This is typically a clear statement of your personal investment goals and guidelines against which performance goals can be measured.

    We will work with you to develop your own personal Investment Policy Statement (IPS) and will regularly review progress towards your goals, as you require.

    A clear definition of risks and costs, together with a forward-looking income plan and expenditure projection are generally contained within your customized Investment Policy Statement. If you need to achieve a stated long-term income level, this can be tracked within the IPS.

    For many retail investors, the full-time, professional managers who actually make the buy and sell decisions on their investments are not accessible. Their life savings are being managed through a broker or advisor who may be sharing commissions and other fees with the managers of the fund in question. On the other hand, most institutions receive direct communications from their managers.

    The investment team doesn't sit in an ivory tower. We respect and appreciate the trust you put in us to manage your life savings. We strive to regularly and clearly communicate our thoughts, actions and direction to you, our valued client.

    It just seems right to communicate clearly and directly. We know it makes many of our clients more comfortable, especially in times of volatility.

    ADVICE

    In our opinion, asset allocation* is the single most important factor.

    Clients that receive institutional-level advice benefit from having professional, institutional asset managers and financial planners focusing on their overall allocation.

    Clients within the retail financial system generally rely on their broker. The broker, who spends a great deal of their time marketing and selling their financial services, is the same person who must keep up with the asset allocation decision.  They may not share the same investment objectives as their clients.

    In our opinion, this is not an effective way to navigate the risks presented by today’s geographically diverse, fast-paced financial markets.

    Clients deserve full-time, institutional-level professionals working on their behalf and to be directly accountable when making the really important investment allocation decisions.

    *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.  

    WHO LOOKS AFTER YOUR MONEY?

    Our goal is to offer institutional-level investment management to retail investors.

    We have developed a relationship with the following Institutional Asset Managers: 

    Astor Investment Management
    Aviance Capital Management
    Bernstein Research
    BlackRock
    Braver Capital Management
    Clark Capital Management Group
    Dana Investment Advisers
    Federated Investors
    James Alpha Management 
    News Fleet Asset Management 
    Ranger Global Real Estate Advisors
    State Street Global Advisors
    Vanguard Institutional

    The results of our rigorous investment management discipline are organized and verified by a range of professionals including:


    The investment committee consists of investment professionals from the portfolio management team, research & analysis department, and the oversight committee.



    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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