Excel Financial is an independent fee-only investment advisory firm.
Unlike financial product vendors that masquerade as investment advisors, we have a fiduciary responsibility to serve the interests of our clients first -- always. Our relationships and interests are tied to those of our clients.
We accept no commissions and have no sales quotas, and thus have no corresponding conflicts of interest. Simply put, we succeed when our clients succeed.
Financial Planning
Financial Planning
A financial plan is your road map for achieving your financial life goals. Creating and managing a prudent financial plan greatly improves the probability of achieving your desired life goals and avoiding pitfalls along the way.
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Investment Advisory & Management Services
Investment Advisory & Management Services
Asset allocation and portfolio management practices are key determinants of the achieved performance and variability of your investment portfolio over time. Getting the most from your available resources requires careful and disciplined security selection and ongoing portfolio management.
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Retirement Plans
Retirement Plans
Employer retirement plans offer tremendous value for business owners, employees, and sponsoring companies. Selecting the best programs and vendors to meet your needs and managing their implementation and ongoing program operation requires expertise, focus, discipline, and the application of prudent management practices.
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Risk Management
Risk Management
What happens if…? Risk management is the process of evaluating risk and implementing strategies to help ensure that your financial plan works, even if life throws you a curve ball.
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Income Distribution
Income Distribution
The transition from a growth focus to a focus on income production is significant. Income distribution planning focuses on maximizing the income-producing capability of your available assets while ensuring required reliability and maintaining flexibility to meet unexpected financial needs.
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Legacy Planning
Legacy Planning
Legacy planning is the process of ensuring the desired transfer of assets at death and provision of authority sufficient to meet ongoing needs in the event of incapacity. Making these decisions up front helps ensure that events occur as desired and reduces the burden on loved ones during already difficult times.
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Tax Planning
Tax Planning
Managing your tax bill is an important step in maximizing the value of your assets and income potential over time. Tax planning involves the identification and selection of investment products and strategies designed to reduce taxes and maximize your income and assets.
Learn More"You should fire your broker and find an investment advisor. Brokerage firms would like you to think that they perform the same function as investment advisors. Many brokers call themselves 'financial consultants' or 'financial advisors'. But they are not the same as independent investment advisors... an investment advisor's fiduciary duty is on a higher plane, like that of a lawyer, a trustee, or the executor of an estate."
- Arthur Levitt, Former SEC Chairman