Business Description
My Mission Statement is: "Helping People to Build, Preserve & Distribute Their Wealth Through Ethical & Effective Wealth Management". My passion is to provide optimal solutions to clients to help them achieve their personal and financial goals and dreams in an ethical, effective and efficient manner. My consultative approach to client's affairs is holistic in nature. I insist on examining and fully understanding the client's financial and cash flow positions, dreams/goals, and issues/problems in order to deliver timely and optimal solutions. My active portfolio management approach is designed to optimize risk-adjusted returns. Its primary purpose is to control risk during significant declines in the capital markets to avoid significant losses in portfolio values and still participate in the majority of an advance during rising markets. My objective is to have a life long mutually beneficial relatiionship with every client.
General Information Gender:    Male CRD#:    1142931 Firm CRD#:    6413 Insurance License#:    Social Security # Name of Broker/Dealer:    LPL Financial Corporation Name of Custodial Firm:    LPL Financial Corporation States Licensed in:    IL,WI,NY,FL,CA,TX,KS,GA,CO,PA,WA States Willing to do Business in:    Every State Years of Experience in Financial Services:    31 Number of Years with Current Firm:    17 Work Experience:    KPMG, "Big Four" International Accounting Firm - Senior Tax Specialist & Senior Auditor (6/1976 - 9/1978) CME Group World's Largest Commodity & Futures Exchange - VP - Financial Regulation (10/1978 - 1/1993 Index Futures Group - CFO (2/1993 - 9/1993) I work with the following types of clients:    Businesses, Individual Investors, Chariatble Foundations, Non-Profit Organizations
Education Academic Background   BS, Accounting - DePaul University (1976) MBA, Investment Finance - DePaul University (1984)
Services Investment Types:    Exchange Traded Funds (ETFs), ETFs, Alternative Investments, Bonds, Stocks, Annuities, Insurance, Commodities, Mutual Funds
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Certified Public Accountant (CPA), Chartered Mutual Fund Counselor (CMFC®), Personal Financial Specialist (PFS), Accredited Asset Management Specialist (AAMS®) Securities Licenses:    Series 65, Series 63, Series 24, Series 7 Insurance and Annuity Licenses:    Annuity, Disability, Variable Life, Health, Variable Annuity, Life, Long Term Care Financial Organization Memberships:    Financial Planning Association (FPA), American Institute of Certified Public Accountants (AICPA), NAAIM, Paladin Registry Non-Financial Organization Memberships:    Naperville Country Club Stone Canyon Country Club
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    180 Firm's Number of Planning Clients:    160 Firm's Number of Managed Clients:    160 Assets Managed by Firm:    $82,000,000 Advisor's Number of Clients:    180 Advisor's Number of Managed Clients:    160 Advisor's Number of Planning Clients:    160 Assets Managed by Advisor:    $82,000,000
Compliance Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $100,000 Compensation Methods:    Based on Assets, Flat Fee, Hourly, Commissions Fee % Based on Assets:    1.25% Hourly Rate:    $250 Additional Details on Charges:    Advisory fees for Portfolio Management vary based on assets undermanagement and whether the portfolio is actively or passively managed. Hourly and flat fees apply to financial planning engagements and advice. Minimum Fee Charged for Hourly Planning Accounts:    $250
Prepared By:	Kevin P. Holland, CFP®, CPA/PFS, AAMS, CMFC, MBA

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What are your qualifications? What is your education background?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

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Q.	Do you have a customer satisfaction or refund policy?
A full or partial refund will be given if client is not fully satisfied with the financial planning advice. A pro rata portion of investment advisory fees are refunded when an investment advisory account is closed.

Q.	What are your qualifications? What is your education background?
Professional Designations: CPA/PFS, CFP, AAMS, CMFC Education: BA - Accounting (Highest Honors) DePaul University; MBA - Investment Finance (High Honors) DePaul University; Past Chairperson Personal Financial Planning Committee - Illinois CPA Society

Q.	What services do you offer?
Active & passive investment management. Investment work is nearly all in advisory accounts with a very small percentage in commission type accounts. Financial plannning advice is alos provided in areas such as; investments, insurance, estate planning, retirement planning, college funding, etc.

Q.	How many clients do you currently manage?
Optimal Wealth & Investments, Inc. has approximately 160 active clients.

Q.	Will you be the only person working with me?
Yes with respect to advice.

Q.	How are you compensated? How will I pay for your services?
Investment services are nearly all based on advisory fees based on amount being managed and whether portfolio is actively or passively managed. Accounts not meeting our advisory account minimums are generally invested in load mutual funds. Financial planning related fees are based on an hourly fee or project fee.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Virtually all the advisory investment accounts are managed on a discretionary basis using no load institutional class mutual funds & Exchange Traded Funds. Permission needed for individual securities.

Q.	Do you offer any guaranteed results?
No, it is illegal to guarantee investment returns!

Q.	How much risk should I be willing to take?
Client's risk will depend on several factors including but no limited to: objective of the funds invested, time horizon before funds are needed, risk tolerance of client, past experiences as an investor, neeed for liquidity, current financial & cash flow positions, etc. A clients willingness & ability to assume a given level of risk is likely to changes due to personal & outside influences.

Q.	Have you ever been charged with any breaches?
No.