Optimum Capital Management, LLC

Optimum has created a program that caters to the needs and income level of US teachers.  Providing comprehensive financial services to our nation's teachers is long overdue.  Rather than promoting specific products (i.e. insurance, commission stock investments, etc.) Optimum has created a system that provides COMPREHENSIVE services to teachers.  Through Optimum Capital Management, teachers will have access to a company that will assist them to do the following:

• Obtain a professionally managed ROTH IRA account that can be more beneficial than a standard 403b retirement program.
• Avoid predatory lending practices and know how to budget properly to purchase their first home, or additional investment properties.
• Learn how to properly utilize credit cards.
• Increase their FICO score.
• Efficiently eliminate debt.
• Obtain the PROPER amount of insurance that fits within their budget and allows for adequate retirement planning.
• Create a budget that will dictate the rate of spending/saving in the household.
• If they have the desire to create a business of their own, they will have access to someone who can properly assist them in forming of their company.
• Properly establish an emergency fund using the most efficient accounts.
• Organize his/her estate and assist each staff member in creating/updating the appropriate estate planning documents. 

Optimum believes that the parents of these children also need to be educated and we are willing to talk to them about college savings solutions, budgeting skills, insurance solutions, and other means to enhance their financial scenarios as it pertains to both themselves and their children.

Optimum has had tremendous success educating youth within the community about the importance of financial literacy.  Upon request, we can forward you some information that shows how we have been able to create a sense of urgency within youth of community schools to learn AND apply financial principles within their lives (i.e. how to prioritize a budget, improve FICO score, eliminate debt, etc…).  Through our workshops, classes, and programs for your students we will be just as successful.