Optimum Capital Management, LLC (“Optimum”) is a financial planning firm with a strong commitment to providing each client with quality, personalized service. Optimum Capital Management, LLC serves its clients by offering the following services.

Service Description
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.

Retirement Planning
The road to retirement is not without obstacles. Economic fluctuations, unexpected life changes, and market turns can take you off track. Whether you are already retired or just in the planning stages, Optimum Capital Management will help you prepare a strategy that ensures an enjoyable and financially comfortable retirement.

Insurance Planning
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.

Investment Planning/span>
Knowing what you can do with your money is the most important factor in becoming financially stable. Optimum helps you make the most of your investments by doing the following:

• Analyze your current portfolio and asset allocation to determine if they are right for you and your objectives, family and lifestyle.
• Assess your comfort with risk in pursuit of investment returns.
• Develop an investing strategy and assist you in choosing from a wide array of investments.
• Provide ongoing counsel and support to help you invest wisely through changing conditions.

Education Planning
How will you pay for college? Whether college is 18 years away or right around the corner, Optimum uses a variety of private and public programs to help jump-start your college savings plans.

Income Tax Planning*
How much you pay in taxes can have a profound impact on your long-range objectives. Optimum will give you advice on how to prepare your taxes so as to maximize your returns.

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. Begin planning now!

*Neither Optimum Capital Management nor its Financial Advisors provide individual tax preparation or legal advice. Clients should review any planned financial transactions that may have tax implications with their own tax and legal advisors in addition to the consulting provided by Optimum of such matters. Should you need a qualified tax or legal advisor, the client should feel free to request a referral from the vast network of Optimum.