Optimal Wealth

Optimal Wealth serves individual and high‑net‑worth clients as well as pension and profit‑sharing plans, managing roughly $76 million in client assets across two advisors and 43 client relationships. The firm provides portfolio wealth management, financial planning, pension/401(k) consulting, and also advises on DST/1031 real estate exchange opportunities and relationships with sub‑advisors/independent managers.

The firm tailors an Investment Policy Statement for each client, uses cyclical, fundamental, quantitative and technical analysis, and pursues a long‑term trading approach while documenting risk tolerance and conducting at least quarterly reviews. Optimal Wealth accepts both discretionary and non‑discretionary mandates and performs ongoing oversight of third‑party managers when those solutions are recommended.

Noteworthy distinctions disclosed in the brochure include a slight majority of assets managed on a non‑discretionary basis (approximately $41.2M non‑discretionary vs. $35.3M discretionary as of Dec. 31, 2024), the principals’ role in selling commissionable insurance products, and the firm’s provision of periodic educational seminars/workshops and DST/1031 exchange consulting. The brochure also discloses that the adviser may receive fee‑sharing or other third‑party economic benefits when directing clients to outside advisers, a potential conflict the firm describes and monitors.