Optimist Retirement Group, LLC

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Client assets under management

$245,276,023

Clients

119

60% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$2,061,143

About

Optimist Retirement Group provides discretionary portfolio management and financial planning to individuals, trusts, retirement plans, and other entities, tailoring advice to each client's objectives and risk tolerance. As of year-end 2025 the firm reports managing roughly $245 million in client assets across about 119 client relationships and is operated by two principal advisors.

The firm applies a mix of methods — modern portfolio theory, fundamental and technical analysis, and long- and short-term trading — and conducts ongoing monitoring with periodic written reports. Notably, Optimist implements derivatives strategies (including options and futures), option-writing, and margin in separately managed accounts, which the brochure identifies as part of its investment toolkit.

Advisors at the firm are also licensed insurance agents who may receive commission-based compensation for selling insurance products, a practice the brochure discloses and which represents a potential conflict of interest. The combination of commission-based insurance sales, active use of derivatives in managed accounts, and a relatively large asset base managed by a two-advisor team distinguishes the firm’s profile from many peers.

Client services

Financial planning Portfolio management

Expertise

General retirement planning General estate planning guidance Cash flow / budgeting Active portfolio management Options & derivatives strategies

Fee options

Percentage

$0 - $100,000: 2.00% annually $100,001 - $250,000: 1.50% annually $250,001 - $1,000,000: 1.25% annually $1,000,001+: 1.00% annually

Commissions

Commission-based compensation earned by licensed insurance agents for selling insurance products, separate and in addition to advisory fees.

Main office location

Optimist Retirement Group, LLC

11400 Se 8 Th St., Suite 465

Bellevue WA 98004, United States

Number of offices

Most active in

Arizona · California · Texas · Washington

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 425-637-3037

Advisors at this firm

Graham W

CFP®, Series 63, Series 65

Bellevue, WA

Optimist Retirement Group, LLC

Graham Williams is a CFP® professional with 30 years of experience in the financial industry. He currently works at Optimist Retirement Group, LLC and has held roles at M. S. Howells & Co., Cetera Advisors LLC, and Williams Palmer, where he is a managing member. Outside of his advisory work, he is an author with self-published books available on Amazon. Optimist Retirement Group provides discretionary portfolio management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm uses a combination of fundamental, technical, charting, and cyclical analysis with Modern Portfolio Theory to build customized portfolios and manages approximately $243 million in client assets.

General retirement planning General estate planning guidance Cash flow / budgeting Active portfolio management Options & derivatives strategies

Ryan P

CFP®, Series 66

Scottsdale, AZ

Optimist Retirement Group, LLC

Ryan Palmer is a CFP® with 27 years of industry experience, currently affiliated with Optimist Retirement Group, LLC in Bellevue, WA. He has worked at Cetera Advisors LLC since 2013 and has been involved with Williams Palmer since 2002. Outside of his advisory roles, he is a member and owner of Williams Palmer Real Estate, LLC, a real estate ownership business. Optimist Retirement Group provides discretionary portfolio management and financial planning services to a range of clients, including individuals, pension plans, trusts, and charitable organizations. The firm uses a combination of fundamental, technical, and cyclical analysis alongside Modern Portfolio Theory to create customized portfolios, employing strategies such as option writing and futures within managed accounts.

General retirement planning General estate planning guidance Cash flow / budgeting Active portfolio management Options & derivatives strategies

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