Optimal Wealth Advisors, LLC

The firm works with individual investors and reports a client base that includes many high‑net‑worth individuals, providing financial planning (including tax, insurance, retirement and estate planning) and discretionary portfolio management. It also prepares written financial plans and may recommend sub‑advisers to implement specific investment strategies, using broadly traded securities, mutual funds/ETFs, government securities and options.

The firm’s investment approach emphasizes asset allocation frameworks — including strategic and tactical allocation, modern portfolio theory and fundamental analysis — and it describes its style as relatively conservative, avoiding frequent trading. Accounts are monitored on an ongoing basis and the adviser tailors allocations to client goals, risk tolerance and time horizon, with the firm retaining discretionary authority to manage and, when used, to replace sub‑advisers.

A notable operational feature is that the adviser is also a licensed insurance agent who sells insurance products for commissions (excluding variable products), which the brochure discloses as a potential conflict of interest. The firm is a single‑advisor practice managing roughly $13.7 million and requires clients to custody assets at Charles Schwab to be managed; it does not vote client proxies and relies on custodian statements rather than producing separate periodic account reports.