Optimize Financial (“OFI” or, our “Firm”) is dedicated to providing individuals and other types of
clients with a wide array of investment advisory services. Our Firm is a corporation formed under
the laws of the State of California in 2018 and has been in business as a Registered Investment
Adviser (RIA) since 2021. Our Firm is wholly owned by Casey Witters.
The purpose of this Brochure is to disclose the conflicts of interest associated with the investment
transactions, compensation and any other matters related to investment decisions made by our Firm
or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is
accomplished in part by knowing our client. Our Firm has established a service-oriented advisory
practice with open lines of communication for many different types of clients to help meet their
financial goals. OFI employs a unique process in assisting our clients in building wealth and
accomplishing their financial goals. OFI prescribes to the Wealth Planning Framework (WPF, see
graphic on next page) authored by Casey Witters.
The first building block of the WPF is “Teachability”; clients must be teachable and coachable as a
prerequisite to working with OFI. The next building block is “Coach,” which the WPF describes as
hiring a caring, competent Financial Advisory Team. In the case of OFI’s clients, this Coach is the OFI
team. Additionally, a Coach acts as the client’s Wealth Planning Mindset Coach to guide the client
through building a Financial Plan, implementing a defined process to accomplish their plan, and
coaching the client to prune unhealthy wealth planning mindsets and behaviors that might inhibit
them from accomplishing their most cherished financial goals. The next level of the WPF is “Plan.”
OFI believes the Plan, which is financial in nature, is critical in successful goal accomplishment. It is
critical because when one’s goals are written down and tracked, it is statistically shown to increase
odds of goal realization by forty percent or more. OFI will not take on a full advisory client without
their agreement to commit to OFI’s WPF, which includes adherence to the Plan. “Process” is next in
OFI’s WPF. The Process level of the WPF requires ongoing tracking, maintenance of the Plan, with
commitment to the OFI Core Strategies. This step begins once a client approves that the financial
Plan addresses their desired objectives. Process also requires approval of OFI’s Core Strategies. These
Core Strategies address all of the client’s Wealth Planning Essentials (WPEs, see service packages for
detailed list) and are decided upon in collaboration between OFI and client. Then, depending on the
advisory service level of the client, the financial Plan is implemented via OFI’s Core Strategies to
accomplish the client’s financial goals and reach the final level of the WFP: Wealth.
A study from Dominican University of California shows when goals are documented and combined
with commitments to action , and coupled with accountability, the odds of goal realization increases
by seventy-eight percent. It is fundamental for OFI clients to commit to the adherence of OFI’s
coaching and guidance by maintaining and executing their financial Plan using the Process and
strategies laid out to accomplish client goals. There are many ways to build wealth, nevertheless OFI
prescribes to the Wealth Planning Framework and OFI’s Core Strategies developed by Casey Witters.
ADV Part 2A – Firm Brochure Page 5 Optimize Financial Inc.
Types of Advisory Services Offered
Wealth Planning Framework (WPF) Advisory Services:
Our Firm is committed to delivering holistic, goals-based financial planning via OFI’s Wealth Planning
Framework (see above). Our financial professionals will be there every step of the way for its clients
and their loved ones for generations to come. OFI provides a Premium tier service with a goals-based
financial planning for individuals and households with $2MM or more in assets under management
(AUM). Clients who are suitable for our services, but do not meet the AUM threshold for Premium
tier service, will receive our Standard tier of service.
Prior to 2023, OFI considered individuals or households who did not meet the minimum asset
threshold to enter either Premium or Standard service outright. These individuals or households
were considered by OFI on the basis that, for various reasons, they would reach the required AUM
within one to two years of signing an agreement with OFI. In 2023, this consideration has been
streamlined by creating “Provisional Clients.” A Provisional Client will be tracked and reviewed by
OFI, every six months, over no more than a two-year period, to verify their progress towards reaching
the target AUM requirement. This means exceptions are no longer granted by OFI and if a prospective
or Provisional Client does not meet the AUM requirement, either initially or after a provisional status,
then they will be deemed to not be a suitable client for OFI, and their agreement will be terminated.
Our Firm provides comprehensive services similar to a family office. OFI acts as our clients’ liaison
for the implementation of OFI’s WPF and Core Strategies addressing each of OFI’s Wealth Planning
Essentials (WPEs, see graphic on page 7). The WPEs include the following: Cash Flow & Credit
Management, Insurance Planning, Comprehensive Investment Planning, Federal & Employee
Benefits, Estate Planning, Real Estate Planning & Lending, Business Planning, Tax Planning,
Education Planning, Generosity & Charitable Giving, and Family Financial Literacy. Our Firm
conducts meetings with clients to understand their current financial situation, existing resources,
and financial goals. OFI gives clear notice to all prospective clients, during initial interest meetings,
ADV Part 2A – Firm Brochure Page 6 Optimize Financial Inc.
that all equity fund investing is the investment approach in our clients’ long-term best interest. OFI
believes by applying
a framework with a commitment to consistent wealth-planning-mindset-
coaching all clients can be disciplined equity investors for life.
Clients do not sign on with OFI unless they are committed to being equity investors for life. Clients
understand this commitment requires a willingness to hold these investments throughout all market
cycles.
Our Firm understands the importance of longevity and the goal of growing family wealth. In addition
to their own financial resources, we understand our clients want to ensure their heirs are adequately
able to handle their own financial circumstances. Therefore, our Firm provides heirs with services
even if they personally do not meet OFI’s asset or income minimums. The level of service is dependent
on the family’s, (a.k.a., the primary household) assets under management. Heirs will be charged at
the same rate as the primary household for services provided by OFI.
Our Firm offers our services in two distinct tier-level packages: Standard and Premium. Advisory fees
for each package can be viewed in Item 5: Fees & Compensation. A description of each package with
service offerings is outlined on the next page.
ADV Part 2A – Firm Brochure Page 7 Optimize Financial Inc.
Wealth Planning
Framework
Standard Premium
OFI Wealth Planning
Framework (WPF) which
includes Financial Plan
with recommended OFI
Core Strategies addressing
all Wealth Planning
Essentials (WPEs)
Yes Liaison for implementation
Wealth Planning Mindset
Coaching
Yes Yes
Financial Plan Review Annual Annual
Touch Base
Bi-Annually or for Life
Change
At Will
Cash Flow & Credit
Management
Refer to Outside Budgeting
Resources, Asset Backed
Credit Line
Recommendations
Refer to Outside Budgeting
Resources, Asset Backed Credit
Line Recommendations
Insurance Planning Included in Annual Review Liaison for all needs
Comprehensive Investment
Planning
Yes Yes
Federal & Employee
Benefits
Non-Qualified & Qualified
Retirement Plans Review
included in Annual Review,
review and
recommendations for
Federal benefits
Annual Employee Benefits
Review & Recommendations,
Non-Qualified & Qualified
Retirement Plan Review as
needed, assistance with all
Federal benefit analysis and
claiming
Estate Planning
Document review when
drafted or changed,
End of Life/Estate
Settlement Review
Liaison & Reviewer,
End of Life/Estate Settlement
Liaison
Real Estate Planning &
Lending
Real estate
lending recommendations
Liaison for all real estate
transactions
Business Planning
Business Owner Strategy
Recommendations included
in Annual Review
Liaison for all needs
Tax Planning
Tax Efficient Strategy
Recommendations included
in Annual Review
Liaison to Tax Professional
Education Planning
Develop strategy &
recommend most suitable
investments or tax-
advantaged accounts
Liaison for all needs
Generosity & Charitable
Giving
Develop strategy &
recommend most suitable
investments or tax-
advantaged accounts
Liaison for all needs
Family Financial Literacy No Service Provided
Heirs receive Standard service
level up to $2M AUM at which
point they will transition to
Premium service level, if
Primary Household AUM
reaches $20MM+ then heirs are
automatically transitioned to
Premium service level
regardless of their AUM
ADV Part 2A – Firm Brochure Page 8 Optimize Financial Inc.
Standalone Financial Planning & Consulting:
In addition to the Premium and Standard service levels, our Firm provides a standalone financial
planning and consulting service to clients. This service is for the management of financial resources
based on an analysis of current situation, goals, and objectives of clients. Financial planning services
and consulting typically involves drafting a financial plan for a client. Generally, for this service, OFI
will provide recommendations and advice while the execution of the plan falls to the client. Financial
plans, once approved by clients who choose this service, usually include recommendations for a
course of action or specific activity to be taken by the clients. The timing of the execution of OFI’s
recommendations will be at the discretion of the client.
Our Firm provides clients with a summary of their financial situation, and observations for financial
planning engagements. Ongoing financial consultations are not typically accompanied with the
written summary, as the process is less inclusive and formal than OFI’s Wealth Planning Framework
Advisory services. The Financial Planning and Consulting service is a one-time offering for clients
who are eager to learn more about OFI’s methodology while working towards building wealth and
reaching their financial goals. Assuming required documents are promptly delivered to OFI, plans or
consultations are typically completed within 3 weeks but no later than 6 months after the client signs
an agreement with our Firm.
Tailoring of Advisory Services
Our Firm offers individualized investment advice to our Wealth Planning Framework Advisory
clients. General investment advice will be offered to our standalone Financial Planning & Consulting
clients.
Our Firm does not usually allow clients to impose restrictions on investing in certain securities. This
is because restrictions on investing may clash with OFI’s Core Strategies, which could be
counterproductive to OFI’s investment advice. Finally, adherence to the Plan is fundamental to OFI’s
Wealth Planning Framework. Exceptions will be made on a case-by-case basis.
Participation in Wrap Fee Programs
Our Firm does not offer or sponsor a wrap fee program.
Regulatory Assets Under Management
As of December 31, 2023, our Firm manages $152,483,900 on a discretionary basis. This is the total
assets under management for OFI.