Description of Services and Fees Optimist Retirement Group, LLC, is a registered investment adviser based in Bellevue, WA. We are organized as a limited liability company under the laws of the State of Washington. We have been providing investment advisory services since 2005. Graham P. Williams, Managing Member, and Ryan M. Palmer, Member/Chief Compliance Officer, are our principal owners. Currently, we offer the following investment advisory services, which are personalized to each individual client:
•Portfolio Management Services
•Financial Planning and Consulting Services As used in this brochure, the words "we", "our" and "us" refer to Optimist Retirement, LLC and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs.
Portfolio Management Services We offer discretionary portfolio management services. Our investment advice is tailored to meet your needs and investment objectives. If you retain our firm for portfolio management services, we will meet with you to determine your investment objectives, risk tolerance, and other relevant information (the "suitability information"). We will use the suitability information we gather to develop a strategy that enables our firm to give you continuous and focused investment advice and/or to make investments on your behalf. As part of our portfolio management services, you may receive a written financial plan that is used to assist us in organizing your financial information and to determine the scope of services that will be most suitable for your financial situation and investment needs.
Financial planning services can simplify and determine financial and investment alternatives by: 1. Defining and narrowing your objectives and investment options; 2. Identifying areas of greatest concern; 3. Creating a unique picture of your overall financial situation; and 4. Providing an effective and efficient way for us to address your unique financial needs and objectives.
Financial plans are based on your financial situation at the time the plan is presented. Such services may include, but are not limited to, cash flow analysis, estate planning, investment reviews, and insurance evaluation. You will be advised that certain assumptions may be made with respect to interest and inflation rates, as well as past trends, historical market performance, and the economy. Past performance is in no way an indication of future results. We cannot offer any guarantees or promises that your financial goals and objectives will be met. As your financial situation, goals, objectives, or needs change, you must notify us promptly.
Upon completion of the written financial plan, we will provide implementation services through our portfolio management services, as described more fully below. We may also work in conjunction with your other professional advisers, e.g. accountant or legal. Under such arrangements, we will act as a project manager that coordinates the work of the appropriate parties in a manner consistent with your objectives.
4 We provide portfolio management services where the= investment advice provided is custom tailored to meet your needs and investment objectives. If you elect to engage our form for discretionary portfolio management services, we request that you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow our firm to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm, a power of attorney, and/or trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. Our fee for portfolio management services is based on a percentage of your assets we manage and is set forth in the following fee schedule: Assets Under Management Annual Fee* First $100,000 2.00% Next $150,0001.50% Next $750,000 1.25% Above $1,000,000 1.00% * Note: Fee does not include transaction fees, or other fees/expenses charged by brokers, custodians, or mutual funds.
In most cases, our annual portfolio management fee is billed and payable quarterly in arrears based on the value of your account on the last day of the billing quarter. Alternatively, some clients may be subject to different payment terms which shall be clearly set forth in the signed investment advisory agreement. In such cases, we may bill our fees quarterly in advance based on the value of your account on the last day of the preceding quarter.
If the portfolio management agreement is executed at any time other than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to

the number of days in the quarter for which you are a client. Our advisory fee is negotiable, depending on your circumstances.
At our discretion, we may combine the account values of family members living in the same household to determine the applicable advisory fee. For example, we may combine account values for you and your minor children, joint accounts with your spouse, and other types of related accounts. Combining account values may increase the asset total, which may result in your paying a reduced advisory fee based on the available breakpoints in our fee schedule stated above.
The qualified custodian holding your funds and securities will debit your account directly for the advisory fees.
The account statements you receive from the custodian will show all disbursements from your account.
You should review all statements for accuracy. We will also receive a duplicate copy of your account statements.
You may terminate the portfolio management agreement upon 30 days' written notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the portfolio management agreement, which means you will incur advisory fees only in proportion to the number of days in the quarter for which you are a client.
5 Financial Planning and Consulting Services We offer financial planning services that may be separate and distinct from the planning and ongoing management services described above. Financial planning will typically involve providing a variety of advisory services to you regarding the management of your financial resources based upon an analysis of your individual needs. If you retain our firm for financial planning services, we will meet with you to gather information about your financial circumstances and objectives. Once we review and analyze the information you provide to our firm, we may deliver a written plan to you, designed to help you achieve your stated financial goals and objectives.
Financial plans are based on your financial situation at the time we present the plan to you, and on the financial information you provide to our firm. You must promptly notify our firm if your financial situation, goals, objectives, or needs change.
You are under no obligation to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm. Our financial planning fee is negotiable, depending on individual client circumstances such as the nature, time, and complexity of the service provided.
Types of Investments We offer advice on equity securities, warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities, US Government securities, options contracts on securities and commodities, futures contracts on securities and commodities, and interest in partnerships investing in real estate, and oil and gas interests.
Additionally, we may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship.
You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing.
IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. 6 We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Assets Under Management As of December 31, 2023, we provide continuous management services for $187,865,579 in client assets on a discretionary basis.