Optimum Financial Services, LLC

**Optimum Financial Services, LLC Summary:** Optimum Financial Services, LLC is a registered investment advisor established in 1990 and located in Jackson, MS. The firm offers investment advisory services to individuals, high net worth individuals, trusts, estates, partnerships, charitable organizations, businesses, and retirement plans. Optimum serves as a fiduciary to its clients, upholding a duty of loyalty, fairness, and good faith. The firm provides customized investment advisory solutions, including discretionary and non-discretionary investment management, tailored to each client's investment goals, risk tolerance, and financial situation. Optimum primarily constructs investment portfolios using low-cost, diversified mutual funds, exchange-traded funds (ETFs), individual stocks, bonds, and precious metals. The firm's investment strategies are long-term focused, with occasional adjustments based on market conditions or client needs. **Fees and Compensation:** - Investment advisory fees are based on a fixed annual rate ranging from 0.35% to 1.50% or on incremental schedules depending on the type of assets managed. - Investment consulting services are offered at a minimum hourly rate of $150 per hour. - Retirement plan advisory services are charged an annual asset-based fee of up to 1.00%. **Investment Discretion:** Optimum generally has discretion over the selection and amount of securities bought or sold in client accounts without prior consent. However, these transactions are subject to specified investment objectives, guidelines, or limitations previously set by the client. **Privacy Policy:** Optimum is committed to safeguarding clients' personal information and does not sell or provide such information to others except for discrete business purposes. The firm implements physical, procedural, and electronic security measures to protect client data. For more detailed information, clients are encouraged to refer to the full Optimum Financial Services, LLC Form ADV Part 2A – Disclosure Brochure available on the SEC’s Investment Adviser Public Disclosure website.