Our Services

Call us to DEVELOP YOUR FINANCIAL ROADMAP:

Consolidate IRA’s with Former Employer’s 401k ‘s
Create a Savings Plan
Inheritance/ Estate Planning
Selling a Business
Holistic Financial Planning
Successful Tax Strategies

With OWG, you will know the Why, When, and How your savings are working for YOU!

Primary Services

Investment Management

Includes reviewing your current investment portfolio and developing and implementing as asset management strategy.
Includes a high-level education on the benefits of how asset allocation is the largest determiner of investment success versus timing an entry or exit of the market.

Retirement Planning

Review your expected retirement needs, along with assets currently available, the amount of the savings, and the length of time of the desired date of retirement.
Includes analyzing how likely you are to meet your target goals by your retirement date.

Cash Flow Planning

Short-term Cash Flow – Includes a review of immediate cash flow needs and emergency funds.
Long-Term Cash Flow – Includes preparing a cash flow summary from the current date till retirement and distribution phase post-retirement.

Education Planning

A review of the progress toward funding education will be completed.
Recommendations of various types of investments vehicles focused on education.

Risk Management

Includes obtaining the appropriate amount of health (typically employer benefits), life, auto, homeowners, general liability, and long-term care insurance. The goal is to allocate premium dollars to reduce significant risk and exposure.
Income protection – includes a review of risk tolerance and the need or desire to ensure a certain income in retirement.

Support Services

Estate Planning Support

Plan for the care of loved ones or other heirs as well as the managing, administration, and distribution of assets.
Ensure documents such as wills, living trusts, and various power of attorney documents are created or updated.

Tax Planning Support

Working with your tax preparer, consider tax implications on all securities transactions such as harvesting losses when appropriate, and managing capital gains taxes when appropriate
Balancing investment dollars between tax-advantaged investments like a retirement account with taxable investments in general brokerage accounts.

*Tax Strategies – Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Optimum Wealth Group are not affiliated. Cambridge does not offer tax or legal advice. Fixed insurance offered through Optimum Wealth Group.

Cambridge’s Form CRS (Customer Relationship Summary)

This communication is strictly intended for individuals residing in the states of AL, AZ, AR, CA, CO, FL, GA, IL, IN, IA, KY, MD, MI, MS, MO, NY, NC, OH, OK, PA, SC, TN, TX, and WI. No offers may be made or accepted from any resident outside the specific states referenced.

The information being provided is strictly as a courtesy. When you link to any of these websites provided herein, Optimum Wealth Group makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information, and programs made available through this site.

Optimum Wealth Group