"Make all your mistakes on paper!" -Graham and Ryan
You only get one shot at retirement, so at Optimist, every relationship begins with a holistic retirement plan. We collaborate to create a tailored plan that outlines your income, manages financial and health risks, and meets your legacy goals. You won’t commit until you understand every detail.
This is our expertise - it’s all we do.
The Foundation of Your Retirement Success
Retirement Income Strategy
We believe in retirement income planning so much, we wrote the book on it! The New Retirement Income Portfolio breaks down our approach to solving the retirement income puzzle—covering Social Security, pensions, IRAs, dividends, and capital gains. Want to know how you'll get paid in retirement? Click the link for a complimentary copy!
Wealth Management
Optimist believes that a diversified portfolio of great companies is the best way to grow wealth and protect purchasing power. The method your advisor uses to achieve this is important to your success. That’s why we follow a philosophy called TLC™ - Transparency, Liquidity and Cost Effectiveness. We look to create a portfolio that serves your goals and risk tolerance with the greatest efficiency.
Tax Optimization
We work with your tax advisor to help lower your tax rates, making your retirement savings last longer. Your plan will show exactly how you'll be paid and taxed. We’ll explore strategies like ROTH conversions, company stock distributions, stock option exercises, and deferred income to meet your retirement goals efficiently.
Risk Management
The real risk in retirement? Unplanned health expenses that can drain your assets. Planning for long-term care and premature death is essential. While insurance isn’t always appealing, it can be the most efficient protection. Your plan will include coverage recommendations—or show you why you might not need it! As independent fiduciary advisors, we source solutions from one of the largest independent insurance brokerages, aiming to find a solution that best serves your needs.
Estate Optimization
The true mark of a successful retirement plan is the legacy it leaves behind. What people and causes matter most to you? We’ll work with your estate attorney to ensure your legacy goals are met, regardless of your health or state of mind. When clients shift their focus from the market to their legacy, we know we’ve created a plan they can trust.
Take Control of Your Financial Future Today
At Optimist Retirement Group, we are dedicated to helping you achieve your financial goals with confidence and clarity. Schedule your call today.