Optimum Benefit
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Optimum Benefit Insurance Services is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live their best lives. My approach focuses on tailored financial strategies and insurance solutions to provide my clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their future.
Plan with confidence
my Process
My three-step planning process works to help identify and implement suitable financial strategies for helping my clients meet their needs and achieve their goals and objectives for their family, business, and legacy.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement protection strategy.
Six Fundamental Financial Planning Considerations
Six key fundamental planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Financial Strategy Designed for You
Next, we design a strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of my planning process.
03
Communicate Progress
My Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to me throughout our working relationship.
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Meet The Advisor
Bob Newman
CA Ins. Lic. 0771185
Owner
With over two decades as a licensed insurance professional, my mission has been firmly rooted in providing families and businesses with robust wealth accumulation and protection strategies. My focus on tax diversification, family protection, and business continuity underscores my commitment to protecting my clients’ long-term life goals.
Above all, I emphasize the importance of starting early and staying committed to a solid set of financial goals. Estate building and estate conservation is the name of the game. Build your wealth, but PROTECT YOUR WEALTH.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to me throughout our working relationship.
My Upcoming Events
Events in October 2025
- There are no events scheduled during these dates.
My Downloads
How to Exit Your Business and Enter Retirement
Ultimately, as a business owner, you must create a unique retirement strategy that often differs greatly from an employee’s. This means setting up a succession plan for your business and a retirement income plan for yourself that fits your unique needs.
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
