Financial Planning

Prudent process, financial straight talk.

At Excel Financial, we employ a financial planning process, driven by your highest financial interests, to:

  • See your big picture: Who are you? What are your biggest challenges and greatest goals?
  • Identify your individual interests: How does each financial component fit into your total wealth? How can we eliminate any gaps or overlaps?
  • Put each piece in place – and keep it there: How will we ensure your plan remains relevant to you, over time and across life’s transitions?

Informed management.

It helps to have all your plans in clear view. Here are a few of the logistics we typically tend to:

  • Personal interests
  • College education funding
  • Professional goals
  • Business succession needs
  • Family dynamics / special needs
  • Retirement planning
  • Investment advice & management
  • Philanthropic and legacy goals
  • Spending / cash flow planning
  • Legacy planning
  • Tax planning & management
  • Risk management (insurance, etc.)


Get In Touch


Evidence-Based Investing

Investing for a lifetime…yours.

While Wall Street wants you to believe otherwise, investing need not be so stressful. Daily, we are bombarded with market data, projections, and forecasts. There seems to be no end to the many “experts” offering impassioned opinions and ardent calls for action.

Ignore the noise.

At Excel Financial, we believe individual investors and retirement plan participants are unlikely to realize investment success and financial independence through the rapid-fire predictions and prognostications of self-proclaimed “experts.” We believe in pursuing a better investment experience through:

  • Prudent investment practices. To help you maintain your resolve and look past daily distractions.
  • Evidence-based investing. Guided by more than a half-century of insights on how to maximize expected returns for given levels of risk exposure, while minimizing the costs involved.
  • Personalized portfolio management. With an investment portfolio structured according to your long-term goals and risk tolerances.

Come, let us show you more.

Get In Touch

Spend & Retire

Put Your Money Where Your Life Is

IRAs, 401(k)s, annuities…Stocks, bonds, real estate…Brokers, bankers, agents…

There are plenty of places to invest your hard-earned wealth. And plenty of intermediaries eager to “assist.” But have you noticed how quiet things get when you’re ready to spend your accumulated assets?

It can be hard to find dependable advice on:

  • Financial Life Planning: How much can you comfortably spend today, while building plenty for tomorrow?
  • Investing: How do you prevent bear markets from destroying your best-laid plans?
  • Retirement Spending: How do you build a sturdy lifetime income distribution strategy – to and through retirement?
  • Tax-Planning: What is the most efficient way to pay yourself in retirement out of your myriad taxable and tax-sheltered accounts?
  • Legacy Planning: How do your legacy goals fit in?

At Excel Financial, we’ll help you bridge that essential gap between successfully earning and confidently spending your lifelong wealth, with “paycheck simplicity” in retirement.

Get In Touch