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optimum wealth llc



November 2019 Newsletter


For many of us this time of year represents a hectic time and the last thing you want is to add to your to-do list. But with time flying by quickly the end of the year will be here soon.

In this month’s Insights we would like to give you a list of reminder tips that are time sensitive before the end of the year:

  1. Most Health Care & Benefits are time sensitive, from Medicare to Business & Individual Benefits and some Retirement Plans, most have their “open enrollments” which entail reviewing, signing-up, making updates and changes at this time of year.
  2. If you are subject to “Required Minimum Distributions” for certain types of retirement accounts You need to have that done before end of the year.
  3. It is a good idea to review your Tax situation with your Tax Professional before the end of the year.
  4. Review your cash flow and expenses to help you plan out for the next year.
  5. The last reminder tip is that we are here as a resource for You in case you have questions, need advice or help before the end of the year. Never hesitate to reach out as we are here to help.

Happy Thanksgiving! This is a time to gather around loved ones, to be grateful for all that we have been so abundantly blessed with and also to spare a thought for those not so lucky. It is a season of bountifulness and a reason to share the same. True Thanksgiving is in actually doing that- Giving.






Are you Prepared for a Bear Market?

As you prepare for retirement, it may be helpful to know that there are some potential realities that traditional retirement advice may overlook or ignore. If you’ve ever visited New York City, you may have seen the famous bull statue in the financial district.

Continue Reading Here



Ancient Games That Changed The Rules ¹

Nine Men’s Morris

A precursor to Tick-Tack-Toe, Nine Men’s Morris is a game in which counters are placed on a grid with the aim of creating lines of three. Once all the pieces are down, they can be moved one space per move. Whenever a player forms a row of three, he can remove one of his opponent’s pieces from the board. The first player down to two pieces loses.

People across the world could create their own easily. Some dated as far back as 1440 B.C. have been found carved into rocks in Sri Lanka, Bronze Age Ireland, and ancient Troy. Fans even carved the board into seats, walls, and tombstones across England.


Mancala refers to a family of games with the same basic method of play. Known as count-and-capture games, there is some evidence to suggest that they may be the earliest games played. To play the game, all you need is a patch of soft ground and a handful of seeds or pebbles. Rows of holes are dug alongside one another, and players distribute counters one at a time in a path round the board. There are a number of goals; but the key to victory in every version is basically to count really fast.


Financial Well-Being and the Importance of Feeling Secure

When it comes to discussing your finances, it can sometimes feel like a complex math problem. There’s a bottom line that you’re trying to make add up, and the way to get there is by exploring facts and figures.

Read More Here



Sweet Potato Bites²

Need a last-minute Thanksgiving appetizer? Look no further, this one's sure to be a hit!

Let's Get Baking!




Advisory services are offered by Optimum Wealth LLC a Registered Investment Advisor in the State of New Hampshire. Insurance products and services are offered through Optimum Financial LLC dba Optimum Benefits, an affiliated company. Optimum Wealth LLC and Optimum Financial LLC are not affiliated with or endorsed by the Social Security Administration or any government agency, and are not engaged in the practice of law. All written content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. The information contained herein is not an offer to sell or a solicitation of an offer to buy the securities, products or services mentioned, and no offers or sales will be made in jurisdictions in which the offer or sale of these securities, products or services is not qualified or otherwise exempt from regulation. The information contained in this material have been derived from sources believed to be reliable, but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed.


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