Pacific Excel Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 1–10 clients last fiscal year.
Pacific Excel Wealth Advisors reports 115 clients. They include 65 individual clients, 41 high-net-worth individuals, and 9 pension and profit-sharing plans. Of its assets, 100.0% ($111M across 115 accounts) are managed with discretion. It advised 9 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 57% | 34% |
| High-net-worth individuals | 36% | 64% |
| Pension and profit-sharing plans | 8% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 65 | $37.5M | 33.9% | $577K |
| High-net-worth individuals | 41 | $71.1M | 64.2% | $1.73M |
| Pension and profit-sharing plans | 9 | $2.15M | 1.9% | $239K |
| Total | 115 | $111M | 100% | $963K |
- Clients
- 65
- Regulatory AUM
- $37.5M
- AUM share
- 33.9%
- Avg. per client
- $577K
- Clients
- 41
- Regulatory AUM
- $71.1M
- AUM share
- 64.2%
- Avg. per client
- $1.73M
- Clients
- 9
- Regulatory AUM
- $2.15M
- AUM share
- 1.9%
- Avg. per client
- $239K
Total
- Clients
- 115
- Regulatory AUM
- $111M
- AUM share
- 100%
- Avg. per client
- $963K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 9
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Pacific Excel Wealth Advisors charges 0.85%–1.50% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.50% |
| $2M–$5M | 1.40% |
| $5M–$10M | 1.15% |
| $10M–$20M | 0.95% |
| $20M and above | 0.85% |
Fee details and sources
Other fees
- ERISA Plan Services
- ERISA plan services are charged on plan assets at an annual fee not to exceed 0.85%, billed quarterly in arrears.
- Financial Planning and Consulting
- Financial planning and consulting is a fixed fee, one-time or ongoing annual, from a minimum of $500 to a maximum of $10,000.
Nathan Sadowski owns 75% or more of Pacific Excel Wealth Advisors. The leadership team of Pacific Excel Wealth Advisors includes President Nathan Sadowski. It has 5 employees, 3 of them in advisory roles.
Leadership
Nathan SadowskiPresident/CCO
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 3 in advisory functions
- 3 state-registered reps
- 4 insurance agents
- Owns 75% or more of Pacific Excel Wealth Advisors, Inc.
Nathan Sadowski
Control person · since May 2013
Pacific Excel Wealth Advisors’ regulatory assets grew Infinity× from $0 (June 2025) to $111M (August 2026); employees rose from 3 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $111M | 115 | 5 | 2 |
| June 2025 | $0 | 0 | 3 | 1 |
Besides its headquarters, Pacific Excel Wealth Advisors has 1 office, with 2 listed addresses in California.
California · 2 listed addresses
- 925 Ygnacio Valley RD., Ste 200, Walnut CreekHQ
- 3900 New Mall Road, Newark
Contact and registration details
- Legal name
- Pacific Excel Wealth Advisors, Inc.
- Headquarters
- 925 Ygnacio Valley RD., Ste 200, Walnut Creek, CA 94596
- Website
- pacificexcel.com
- Phone
- 925-464-7445
- SEC file
- 801-133924
- Structure
- California corporation
- Fiscal year end
- December
Pacific Excel Wealth Advisors uses Fidelity ($64.7M, 58%), Assetmark Brokerage ($35.3M, 32%) and Charles Schwab ($10.8M, 10%) as custodians for its separately managed accounts. Pacific Excel Wealth Advisors does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $64.7M58%
- Assetmark BrokerageAssetmark Brokerage, LLC · Concord, CA · $35.3M32%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $10.8M10%
At year end, Pacific Excel Wealth Advisors’ separately managed accounts were mostly in funds (80%) and stocks (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $258M across 228 positions; the largest are Vanguard Tax-managed Fds (4.7%), American Centy ETF TR (4.6%) and American Centy ETF TR (3.8%).
What the accounts hold
- Stocks10%
- Funds80%
- Bonds5%
- Cash5%
Reported 13F holdings
- $258M
- Reported 13F value
- 228
- Positions
- 32.1%
- In the 10 largest
- +171.7%
- Value vs. prior quarter
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt4.7%
- American Centy ETF TR · Intl EQT ETF4.6%
- American Centy ETF TR · Avantis Emgmkt3.8%
- iShares TR · Rusel 2500 ETF3.2%
- SPDR Index Shs Fds · ST Port Mark ETF3.1%
- Schwab Strategic TR · US Aggregate B2.8%
- Apple Inc.2.7%
- Nvidia Corporation2.6%
- iShares TR · MSCI Eafe ETF2.4%
- SPDR Series Trust · ST Str P500etf2.3%
Together, the ten largest are 32.1% of reported value.
How many clients does Pacific Excel Wealth Advisors have?
Pacific Excel Wealth Advisors has 115 clients and manages $111 million for them, as of August 2026. They include 65 individual clients, 41 high-net-worth individuals, and 9 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 31 August 2026
What services does Pacific Excel Wealth Advisors offer?
Pacific Excel Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Pacific Excel Wealth Advisors charge?
Pacific Excel Wealth Advisors charges 0.85%–1.50% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: FORM ADV PART 2A - FIRM BROCHURE, filed 31 August 2026
Which custodians does Pacific Excel Wealth Advisors use?
Pacific Excel Wealth Advisors’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $64.7M, Assetmark Brokerage, LLC (Concord, CA), with $35.3M and Charles Schwab & Co., Inc. (Westlake, TX), with $10.8M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 August 2026
How many financial advisors does Pacific Excel Wealth Advisors have?
Pacific Excel Wealth Advisors has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Pacific Excel Wealth Advisors invest in?
At the end of its last fiscal year, Pacific Excel Wealth Advisors’ separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 5% U.S. government and agency bonds and 5% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Pacific Excel Wealth Advisors?
Pacific Excel Wealth Advisors’ direct owner is Nathan Sadowski (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 31 August 2026
How does Pacific Excel Wealth Advisors get paid?
Pacific Excel Wealth Advisors is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Pacific Excel Wealth Advisors registered with the SEC?
Yes, Pacific Excel Wealth Advisors has been registered with the SEC as an investment adviser since 21 July 2025. Its CRD number is 172356 and its SEC file number is 801-133924.
Source: Form ADV Part 1A, Item 1, filed 31 August 2026; IAPD firm record
How do I contact Pacific Excel Wealth Advisors?
Pacific Excel Wealth Advisors’ main office is at 925 Ygnacio Valley RD., Ste 200, Walnut Creek, CA 94596. Its phone number is 925-464-7445. Its website is pacificexcel.com.