Optimal Wealth

Welcome to Optimal Wealth


Optimal Wealth is a Financial Planning boutique firm. Our mission is to help families create and preserve wealth and income streams through sound financial strategies.


Our team uses a highly consultative, tailored approach.


Our staff are experts in Financial Planning, Risk Management, Wealth Management and Philanthropic Planning. We work closely with each client’s other advisors and our extended network to enable integrated management of your financial affairs.

Fee-based and commission

  • All costs fully disclosed upfront

Fiduciary Standard of Care

  • Client Always Comes First
  • Independent and Unbiased

Comprehensive Financial Planning

  • Analytical Risk Profiling Riskalyze
  • Complex Financial Modeling and Simulation

Customized Asset Management

  • Combination of Active and Passive Investments
  • Institutional Money Managers
  • Portfolios match your Risk Profile

Our Approach

Lead

Lead our clients with Integrity, providing Independent and Unbiased advice.

Excellence

Seek nothing less than to be the best at what we do. Continually benchmark to make sure all aspects of our practice are first-class.

Client Always Comes First

Adhere to a Fiduciary Standard of Care because your trust in us deserves nothing less.

Comprehensive

Incorporate all salient details impacting our client's lives to enable a realistic plan that captures opportunities and avoids pitfalls.

Integrated Advice

Provide access to great human talent both internally & externally.

Deliver best-in-class approaches for all aspects of your financial life via a team oriented strategy.

Analytic

Use Analytic Profiling to better capture our client's intentions.

Create detailed models that compensate for the the limitations of tools to better match expected conditions.

The Optimal Wealth Team

Success in your dynamic career has brought demanding challenges and unique opportunities – both personal and professional. You deserve an integrated team of talented professionals to provide assistance at every major decision point.

Ira G. Sager, CFP®, AIF®, MBA, MS

Managing Director

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Ira Sager is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Ira completed the Certified Investment Management Analyst Program at the Wharton School and is an engineering graduate of the University of Pennsylvania. He is an ACCREDITED INVESTMENT FIDUCIARY, a designation awarded by the Center for Fiduciary Studies. He earned an MBA from the Olin Graduate School of Business, graduating Magna Cum Laude.

Prior to joining First Allied, Ira was a Senior Financial Advisor with Merrill Lynch and a Financial Advisor with Morgan Stanley. Prior to entering the financial services field, Ira held business management positions at Nortel Networks, Bay Networks and Digital Equipment. Ira is a co-chairman of the University of Pennsylvania Alumni Secondary School Committee for the Boston northwest suburban region. Ira enjoys Triathlon competition, cycling and cross-country skiing.

Sheine Wizel, EA, MBA


Tax Planning*

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Sheine Wizel emigrated to the United States as a teenager. She graduated from University of California, Berkeley and later earned an MBA from Harvard Business School. Sheine is an Enrolled Agent (EA), which means she has earned the privilege of representing taxpayers before the Internal Revenue Service by passing a comprehensive IRS test. EA is the highest credential the IRS awards. After an early stint at American Express Inc., Sheine moved into the tax business, ultimately forming Optimal Financial Services, a firm offering both tax planning and investment management. Sheine enjoys music, theater and the arts in general.

*Tax Planning Services are not offered through First Allied Securities, Inc.

Cetera Investment Management LLC



Cetera Investment Management LLC
Exclusive investment research is available to you through Cetera Investment Management. Cetera Investment Management provides us—and you—with tools, resources and insights to help you pursue your goals and carefully manage risk.

Through Cetera Investment Management, we have access to outstanding resources to deliver sound investment advice and insights to you, from thought leadership on the latest detailed market information to investment perspectives, and more.

Unbiased Thought Leadership
Cetera Investment Management is dedicated to producing unbiased research. We benefit from this high level of independent research to help identify the best means for you to reach your financial goals. Cetera Investment Management gives us the power to access a large-scale, regimented body of research, including:

  • In-depth market perspectives
  • Timely economic insights
  • Asset allocation guidance
  • Money manager recommendations
  • Model portfolios
  • Performance monitoring tools

 

Lucinda “Cindy” Chalmers


Client Services Associate

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Cindy worked for the Digital Credit Union for many years. She then worked for the Acton School System before joining Optimal Wealth. Cindy enjoys interacting with clients and is our go to person one it comes to making things happen on schedule!
Cindy graduated from University of Massachusetts, Amherst.


Second Opinion Service

It is simply not possible to get an objective
review from the same person that created your plan.

Learn More

We offer a complimentary review of your financial planning.

Robust Financial Planning

  • Cost & Tax Efficient – What you keep is critical
  • Analytical Determination of your Risk Tolerance
  • Comprehensive Computer Modeling based on detailed inputs to accurately reflect your situation

Time segmented income planning ($)

Years 1-7

Years 8-15

Years 16-24

Years 25-33


Separate portfolios designed to produce the required
income at each stage of your retirement.

Contact Us

Realize your financial goals

At Optimal Wealth, we understand that your individual financial situation is unique and deserves an equally unique approach designed to help put you on track to reaching your financial goals.

Visit Us

144 North Road
Suite 1150
Sudbury, MA 01776

Tel: 508.358.9191 or 617.277.4453
Fax: 866.780.8883

Credentials

Securities offered through First Allied Securities, Inc. A Registered Broker Dealer, Member FINRA/SIPC.
Advisory services offered through First Allied Advisory Services Inc., a registered investment adviser.

Check the background of this investment professional on FINRA’s BrokerCheck.

This site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security which may be referenced herein.
We suggest that you consult with your financial or tax advisor with regard to your individual situation.

This site has been published in the United States for resident of the United States.
Persons mentioned in this site may only transact business in states in which they have been properly registered or are exempt from registration.