First Generation
Wealth Creators
Your hard work, careful planning, and sheer determination have led you to a prosperous life. Now you have new dreams and goals. Optima Asset Management delivers personalized financial plans to help you navigate financial complexity and accomplish more.
Visionaries Charting a Course to Financial Freedom
Business Leaders Maximizing Their Wealth
Business professionals in top-tier management positions need guidance on how to manage concentrated wealth and execute equity compensation. They want to live a luxurious lifestyle but don’t want to overspend. We help them understand their compensation package, advise on tax strategies, and design a financial plan that protects their wealth well into the future.
Busy Entrepreneurs Needing Wealth Strategies
Inheritors Seeking Financial Confidence and Clarity
Coming into sudden wealth following the death of a loved one or a divorce can feel overwhelming. Clients in this situation often need compassionate guidance to help them manage their money responsibly and visualize a new future. We’re that sounding board to provide safe guardrails that keep them on track financially.
Follow a Clear Path to a Secure Financial Future
01.
Discovery
02.
Plan development
Then, we’ll coordinate with other financial advisors (CPA, attorneys) to design a tailored solution to help achieve your goals.
03.
Review and revise
Get Clear Direction for the Next Chapter of Your Success Story
Personalized Wealth Management Strategies
John and Kathy
- Exercise Stock Options — The company Kathy is leaving went public a year ago. We set up a liquidity plan to gradually execute her stock options so she can pay down the mortgage and pay for international vacations.
- Set Up 529 Plans — We set up tax-advantaged college savings plans for their children and a contribution schedule.
- Reviewed Deferred Compensation — We advised John on executive retirement plans including 401(k) options and nonqualified plans to maximize tax savings.
Matt and Julia
Matt and Julia, an active couple in their early 60s, have three adult children and four grandchildren. Matt is a successful businessman and has accumulated a sizable investment portfolio, as well as a large ranch. They value substance over style and tend to spend their money on experiences and gifting to causes they care about. Matt wants to protect his wealth, maintain his lifestyle, and not make an expensive mistake that could impact their independence. He also needs to be 100% certain that if something were to happen to him, Julia will be protected. They need a conservative financial plan that protects their wealth and easily transfers remaining assets to beneficiaries.
- Investment Management — As they approached retirement, we started to shift their portfolio to more conservative investments to protect their wealth.
- Estate Planning — We updated beneficiaries and set up marital and generation-skipping trusts (GST) to efficiently transfer wealth to Julia and their grandchildren.
- Charitable Giving — Partnering with an estate attorney, we set up a charitable remainder trust to provide for their children and favorite charities after they pass.
Beverly
Beverly is a recent widow at age 67. Her late husband, George, was a successful executive and managed all financial matters for the family. He always took good care of her in life and carefully prepared for her financial well-being for when he passed. They loved to travel and spend time with their adult children and grandchildren. It’s important to Beverly that she can continue these activities and also support her church and the local charities that are her passion. George had been prudent with their wealth, and she wants to continue his approach, but she doesn’t want to get overloaded with details. The most pressing goal is to retain her lifestyle. Beverly seeks a simplified financial picture and prudent guidance to help her make smart financial decisions and avoid being taken advantage of.
- Investment Education — We held several meetings to walk Beverly through her investment portfolio, answer her questions, and make recommended changes.
- Budget Review — We discussed her fixed income and liabilities to develop a disciplined spending plan.
- Philanthropy — We established a donor-advised fund (DAF) with automatic, tax-advantaged contributions so she can give to her favorite causes as she desires.
Discover Strategies to Protect and Grow Your Wealth
Our Office
8144 Walnut Hill Lane, Suite 1180, Dallas, Texas 75231
Schedule a Meeting
We can meet in our Dallas office or online.
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