We recommend all prospective clients start with the Optimal Plan. This plan allows us to engineer every aspect of your financial life - we uncover weaknesses, identify missing pieces and we focus on what you tell us is most important. We deliver an immediate and measurable return on investment through:
* Lower cost insurance strategies that protect you from risk of loss
* Asset protection plans that protect your financial equity
* Reduced income taxes from constant planning, coaching and mentoring
* Reduced estate taxes through the design and implementation of properly funded estate plans
* Improved investment returns through active portfolio management
* Lower costs of borrowing from competitive lending
Our array of professionals from the accounting, law and financial planning professions can help with you with the delivery of these investment returns by providing implementation services in the following areas:
Accounting Services - Providing financial information to our clients in a timely and accurate manner is a commitment that we feel cannot be compromised. Meaningful, well organized financial records ensure that your business operations run more efficiently on a daily basis. Most firms duplicate effort performed at the practice or business level and over charge for their services. We offer a cost efficient model for delivering accounting and tax preparation services which eliminates duplication and lowers cost. Our preparation team consists of CPA’s and enrolled agents that support our tax mitigation strategies.
IRS Representation - We solve IRS issues for our clients and we deliver results - whether that involves representing you in an audit, abating a penalty or resolving a collection matter with unpaid personal, business or employment taxes. We don’t make false promises, we don’t bombard you with infomercials, radio ads and the like. We are quiet, seasoned professionals who have spent a career solving these problems. We put your interests first and are solutions oriented. Let our team help if you have unpaid taxes, un-filed returns or receive a notice or letter from the IRS that you do not know how to respond to.
Entity Structuring - We
provide comprehensive entity formation services in support of our financial
plans. Entity structuring is an
art not a science which requires knowledge and expertise from both the legal
and taxation fields.
Moreover, the placement as well as the movement of assets within these
structures requires specialized guidance from both fields. Entity structuring must also be
properly integrated with your estate plan which is often overlooked by many
planners. Owners of entities
must receive on going advice and guidance regarding the use and maintenance of
these structures in order for them to be an effective part of an asset
protection or tax mitigation strategy.
Let the Optimal team demonstrate how entity structures can lower your
taxes, protect you and your financial equity and provide the foundation for a
properly funded estate plan.
Asset Management - We have affiliate relationships with a select group of asset managers that practice active portfolio management rather than passive buy and hold investing. Our managers are designated as fiduciaries which means they have a legal obligation only to recommend what is best for you. As part of our planning, we review your goals and objectives and then we develop a plan that targets a rate of return that meets these objectives. We then build a portfolio that seeks to weather any market environment and is designed to expose you only to as much risk as your plan requires. As part of our active management, we adjust the mix of assets as markets rise and fall, and the economy strengthens and weakens. This active process may also engage in short-term trades in an effort to capitalize on perceived unusual or exceptional investment opportunities.
Insurance - We work with an independent brokerage firm that shares our corporate values and works as part of the overall team where your interests come first. Due to the size and strength of this relationship, we are able to give our clients access to wholesale institutional level products that are not available at the retail level. Moreover, as an independent broker, we can shop your policies across multiple carriers and can deliver the lowest possible insurance cost through competitive negotiation.
Debt Management - We have a proven track record of lowering the cost of borrowing for our clients. In many cases, the savings we have earned for our clients through this program have far exceeded the savings we have generated in reduced taxes. For the last several years, our country’s monetary policy has pushed interest rates to historical lows which has allowed us to refinance and/or restructure older debt for our clients. Using the proper security for your borrowing transactions, establishing a separate credit profile for your business, lowering your personal debt ratios and competitive negotiation are all techniques we use to lower your interest outlays. We prescreen our clients for this program and only earn a fee for this service when we are successful in saving you money.
Call us today at 866-966-4923 or email us at info@theoptimalfinancialgroup to learn how “working with us” can put more money in your pocket!