Optimist Retirement Group, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Optimist Retirement Group provides discretionary portfolio management and financial planning to individuals, trusts, retirement plans, and other entities, tailoring advice to each client's objectives and risk tolerance. As of year-end 2025 the firm reports managing roughly $245 million in client assets across about 119 client relationships and is operated by two principal advisors.
The firm applies a mix of methods — modern portfolio theory, fundamental and technical analysis, and long- and short-term trading — and conducts ongoing monitoring with periodic written reports. Notably, Optimist implements derivatives strategies (including options and futures), option-writing, and margin in separately managed accounts, which the brochure identifies as part of its investment toolkit.
Advisors at the firm are also licensed insurance agents who may receive commission-based compensation for selling insurance products, a practice the brochure discloses and which represents a potential conflict of interest. The combination of commission-based insurance sales, active use of derivatives in managed accounts, and a relatively large asset base managed by a two-advisor team distinguishes the firm’s profile from many peers.
Client services
Expertise
Fee options
$0 - $100,000: 2.00% annually $100,001 - $250,000: 1.50% annually $250,001 - $1,000,000: 1.25% annually $1,000,001+: 1.00% annually
Commission-based compensation earned by licensed insurance agents for selling insurance products, separate and in addition to advisory fees.
Main office
See office11400 SE 8th St., Suite 465
Bellevue WA 98004
Advisors at this office
1
Offices (2)
Most active in
Arizona · California · Texas · Washington
Also doing business as
Optimist Retirement Group, LLC · Optimist Retirement, LLC · Tushaus Wealth Management · Williams Palmer · Williams Palmer, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Graham W
CFP®, Series 63, Series 65
Bellevue, WA
Optimist Retirement Group, LLC
Graham Williams is a CFP® professional with 30 years of experience in the financial industry. He currently works at Optimist Retirement Group, LLC and has held roles at M. S. Howells & Co., Cetera Advisors LLC, and Williams Palmer, where he is a managing member. Outside of his advisory work, he is an author with self-published books available on Amazon. Optimist Retirement Group provides discretionary portfolio management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm uses a combination of fundamental, technical, charting, and cyclical analysis with Modern Portfolio Theory to build customized portfolios and manages approximately $243 million in client assets.
Ryan P
CFP®, Series 66
Scottsdale, AZ
Optimist Retirement Group, LLC
Ryan Palmer is a CFP® with 27 years of industry experience, currently affiliated with Optimist Retirement Group, LLC in Bellevue, WA. He has worked at Cetera Advisors LLC since 2013 and has been involved with Williams Palmer since 2002. Outside of his advisory roles, he is a member and owner of Williams Palmer Real Estate, LLC, a real estate ownership business. Optimist Retirement Group provides discretionary portfolio management and financial planning services to a range of clients, including individuals, pension plans, trusts, and charitable organizations. The firm uses a combination of fundamental, technical, and cyclical analysis alongside Modern Portfolio Theory to create customized portfolios, employing strategies such as option writing and futures within managed accounts.
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