Optimum Capital Management, LLC


ph: 877-75-TEACH

Seven Steps to Financial Freedom

We have developed a strategy that we apply to all of our clients.  Using this investment strategy combines and maximizes principal security, capital appreciation, and risk protection. 

  • Step One
    Get Your House In Order

    •       Insurance – Insurance is an important part of a complete financial plan.  Life, car and home insurances are only a few of several types of insurance coverage needed to protect yourself and your family from life’s uncertainties.  In addition to health insurance, protection from the loss of income that a debilitating illness or accident might cause is also important.  Optimum reviews your current insurance coverage, compares it to your long-range goals, and then implements the most efficient insurance strategy for your personal financial plan.

     

    •       Estate Planning – Many people do not understand ever changing tax laws and how these laws impact the heirs to their prosperity.  Optimum provides counseling necessary to use these tax laws to your advantage. 

    •       Cash Flow Management – Optimum will use your personal data gathered and place it in a format that will be useful in determining your financial status, reviewing your financial activities, and developing and using a budget to assist you in the accomplishment of your goals and objectives.

    •       Repairing Your Credit – Optimum will assist you to review your credit reports then guide you through difficult process of improving your credit score. 

     

  • Step Two
    Eliminate All High Risk Debt

    Due to the extreme risk attached to credit card debt (and any debt with high risk of inflated interest rates), we feel that it is most responsible to eliminate this as soon as possible.  We assist our clients in forming a payment plan which will eliminate this high risk debt in the most efficient manner.  

  • Step Three
    Effectively Allocate Your Company Retirement Plan

    Many companies offer these programs which are excellent tax deferred investment strategies that enhance retirement savings and distributions.  We analyze the program offered to each of our clients, and make sure that each is getting the most benefit from his/her program. 

  • Step Four
    Establish an Emergency Fund

    At Optimum, we are extremely concerned about our client’s future well-being and safety.  Having 3-6 months of living expenses in a minimum risk account is paramount in providing for major unplanned expenses such as illness, salary reduction, car troubles, or even a leaky roof. 

  • Step Five
    Establish an Individual Retirement Account

    We explain the benefits of investments held within an IRA; assist in establishing an IRA (if one is not established already); critique the investments held within any current Retirement Accounts; and based upon our client risk assessments, select appropriate investments and strategies to be implemented within each client account. 

  • Step Six
    Eliminate Low Risk Debt

    Whether it is a house, car, or a student loan, we assist in the establishment of payment plans to eliminate low-risk debt earlier; thereby decreasing cash outflow in the form of interest payments.  Full ownership and decreased debt also provide a sense of security that all clients appreciate.   

  • Step Seven
    Establish a Diverse Comprehensive Investment Strategy

    We select the most appropriate investments for each individual client across multiple asset classes (stocks, bonds, real estate, and business development).  Then we devise a payment plan to invest on a monthly or quarterly basis (the amount of money invested depends upon the surplus discerned from the devised budget). 

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Use of the information for quotations or for illustration purposes is however permitted for non- commercial purposes only on condition that the source is mentioned.

 

 

 

 


ph: 877-75-TEACH