What We Do
INVESTMENT MANAGEMENT
Optima’s core competency is developing a personalized investment strategy tailored to each client’s unique situation, including their risk profile, goals, needs, legacy positions and illiquid investments, to ensure that all their assets are efficiently working together.
We utilize a quantitative, disciplined approach that is focused on controllable factors in an unpredictable environment. Our investment approach is designed for "Investors" as opposed to "Speculators".
Investors
“Investors” participate in the markets to earn expected long-term returns with more optimized asset allocation, broader diversification, lower investment costs, lower turnover and better tax efficiency.
Speculators
“Speculators” make predictions about the future direction of markets or securities and actively trade the portfolio to pick winners and avoid losers. Attempting to outguess the market is a loser’s game since the probability of beating the market is less than 20%*.
*The SPIVA U.S. Scorecard (Year-End 2018) from S&P Dow Jones Indices found that over a 3-year period, only 18.51% of the U.S. Equity Funds outperformed their benchmark. https://us.spindices.com/spiva/#/reports
FINANCIAL PLANNING
We provide critical support and guidance to ensure that your finances support your ambitions throughout your life, including:
Retirement Income Planning
Ensure you have a sustainable income to meet your spending needs for a secure retirement.
Generational Wealth Transfer
Maximize the transfer of family wealth to future generations.
Tax Mitigation
Minimize the impact of taxes through tax saving strategies.
Education Planning
Assist in determining best vehicle and / or timing for college saving goals.
PROTECT & SUPPORT YOUR LOVED ONES
We will provide guidance to your loved ones so they can continue your tradition of diligent and prudent wealth management. You can have confidence and peace in knowing that your wishes will be respected, and your loved ones protected when transitioning from the primary decision maker.
OUR PROMISE
We will be your advocates.
Many people assume that all advisors are fiduciaries, which is rarely the case. Instead, many are held only to a “suitability” standard. When was the last time you wanted anything that was “suitable” for you rather than what was “best” for you?
To be a true client advocate, we have chosen to act as a Fiduciary 100% of the time. A Fiduciary has the highest legal duty of one party to another. Optima is bound to the fiduciary standard to always act ethically, and in the best interest of the client. We are legally mandated to put YOUR needs above our own, providing conflict-free advice. This provides a different level of investor protection to our clients which creates a relationship of trust and confidence. The majority of financial professionals (including stock brokers, insurance agents, and some who call themselves wealth managers and financial planners) are not bound to the fiduciary standard.
Any action that can restrict client options or interfere with an advisor's objectivity is a conflict of interest!
Working together with your tax accountant and estate planning attorney, we strive to align all your wealth management needs so that you can pursue your financial goals with confidence.