Financial Planning

Essential Wealth Management will work closely with you to define your personal financial planning goals and objectives to be pursued in the following areas:

Retirement Planning - Clearly one of the main financial planning goals for many people is having adequate money for a comfortable retirement. Many types of retirement plans are available through Optimus Advisory Group including IRA, Roth IRA, 403(b) / TSA, 401(k), Individual 401(k), SEP, SIMPLE, Profit-Sharing, and Defined-Benefit Plans.

Estate Planning - Establishing a comprehensive estate plan can help you avoid probate, reduce estate taxes, and control who inherits your estate. Essential Wealth Management works in conjunction with several experienced estate planning attorneys to guide you through the estate planning process.

College Education Planning - Sending your children to the college of their choice is the dream of many parents. Essential Wealth Management can walk you through the various savings alternatives such as Custodial Accounts (UTMA / UGMA) and 529 Plans as well as the various financial aid packages available.

Brokerage Services - We able to offer traditional brokerage services such as buying and selling individual stocks and bonds, mutual funds, ETFs, and CDs, all at very competitive commission rates.

Insurance Services. A good long-term financial plan often begins with establishing a solid insurance foundation to help protect your family or to provide estate liquidity. Essential Wealth Management is contracted with many of the premier insurance companies in order to provide the highest quality Life, Health, Disability, and Long-Term Care insurance plans.