Optimum Retirement Planning offers ongoing comprehensive financial planning and investment management services, as well as project-based financial planning. The firm builds customized portfolios primarily using stocks, bonds, mutual funds, exchange-traded funds, and government securities, tailoring strategies to each client's specific goals, risk tolerance, and tax situation. Financial planning services cover retirement planning, tax strategies, risk management, cash flow and debt management, college savings, employee benefits, and estate planning. Optimum Retirement Planning operates as a registered investment advisor and acts in the best interest of its clients when managing retirement accounts. The firm requires a minimum investment of $500,000, though this minimum may be waived at its discretion.
Fee Structure
Optimum Retirement Planning charges an annual fee ranging from $3,500 to $35,000 for ongoing comprehensive financial planning and investment management. The exact fee is determined based on the complexity of your financial profile:
- Lower end ($3,500) — clients with minimal financial complexity, such as single filers with no dependents, simple W-2 income, no real estate, and straightforward liquid investments.
- Higher end (up to $35,000) — clients with a high degree of complexity, such as business owners, clients with large real estate holdings, complex legal estates, multiple investment accounts, or multiple income sources.
Fees are negotiable, prorated, and paid in arrears on a quarterly basis.
