Excelcia

SERVICES
AREA OF EXPERTISE
PLANNING
    OUR PROCESS
    FINANCIAL INDEPENDENCE
    RISK MANAGEMENT
NEWS
CONTACT US

Our Process

DEFINING MAJOR LIFE GOALS
We begin with your ultimate goals in mind. In this step we take the time to understand not only what you want to do, but why it's important to you. We are not here to change your lifestyle, but rather to help make your dreams come true given the lifestyle you desire.

DEFINING IDEAL AND ACCEPTABLE GOALS
Most people's goals are not cast in stone; rather, they have a range of what they would ideally like to accomplish and a target that they would be satisfied with. In this step we clearly define all of the parameters involved with each of our clients' ideal and acceptable goals and then prioritize each goal against the others.

APPLYING "STRESS TEST" ANALYSIS
Once we understand and have prioritized your acceptable and ideal goals, we apply a sophisticated, patent-pending "stress test" analysis to each scenario by simulating 1,000 "lifetimes" of investing. This analysis helps us identify if you are jeopardizing your future goals or sacrificing your current lifestyles.

EVALUATING AND IMPLEMENTING RECOMMENDATIONS
Once we determine the results of your "stress test" analysis, we then work within the confines of your ideal and acceptable goals, and their relative priority, to determine the most suitable course of action. We establish a reasonable result between acceptable and ideal, taking the lowest amount of risk to accomplish your prioritized goals. Once we agree on the proper game plan to follow, we then begin execution of your strategy.

MONITORING PROGRESS
As financial markets, financial goals, and priorities change, we monitor your progress on an ongoing basis. Your Personal Economic Outlook identifies the future portfolio values needed to maintain balance between confidence of success and undue sacrifice of today's lifestyle. This monitoring process enables us to track where your current portfolio falls so we can alert you to potential problems, or help you achieve additional goals that you may have.

NEW GOALS OR PRIORITIES
Goals and priorities change over time, if your priorities change, we will redesign your investment strategy to meet them. Maybe you want to skip savings one year to take a long vacation, have another child, or plan for a new grandchild's education - we will strive to keep you balanced financially as new goals and priorities emerge.