What We Do
As independent advisers, we have access to the whole of market — we are not tied to any provider, product or panel. Every recommendation is made solely in your interest.
Whole of market independence: Optimum is not restricted to any panel, network or provider. Our advisers consider every suitable option available to you — not just the products of a single company.
Investment is not just about picking a product. At Optimum we discuss and consider an individual’s circumstances and objectives before formulating a bespoke initial investment strategy to help achieve personal financial goals.
We strongly believe diversification is the key to long-term investment returns — diversifying by both geography and asset class to ensure investments are never over-exposed to one specific area.
In our view it is never too early to start thinking about retirement. By putting together a plan at an earlier age there is more space for making adjustments along the way and reacting to changes in circumstances.
Progressive legislative changes have given individuals total freedom on how they manage and access retirement benefits. Advice is key to making correct choices across all circumstances.
Security against an unknown future is essential. It’s important to consider the risks and be prepared if things in life don’t go according to plan.
Protection planning — which encompasses a wide range of products including life and critical illness cover and income protection — is often an overlooked area of personal finance. We advise on the full range of options.
We provide personal and commercial mortgage advice across the whole of market. Whether you are a first-time buyer, looking to remortgage or require complex commercial funding, our independent advice ensures you access the right solution.
Estate planning is not just about making a Will. At Optimum we can advise on lifetime gifts, the use of trusts, or life assurance to fund the tax arising on an estate. As an IFA we always consider the full range of options.
Inheritance Tax mitigation planning is a complex area — especially where trusts are considered. The need for highly qualified professional advice is absolutely essential.
A business can benefit from financial planning advice just as much as an individual. For small and medium business owners, the business and personal aspirations are often intrinsically linked.
The basic principles of a business — growing wealth, planning ahead and protecting resources and income — remain consistent and require expert, unbiased advice.