WEALTH MANAGEMENT SERVICES

Our Investment and Financial Advisory division offers a customized solutions that are tailed to your specific needs

  

Our Philosophy

We use our in-house advanced research technologies that allow us to assist our clients find a plan that is tailored to meet their specific needs. We incorporate current thoughts on the economy and markets to ensure our clients are getting the most up-to-date advice. Additionally, we take the time to walk clients through the plan and actively manage their portfolio risk.


Investment Process

We believe in clients' involvement in our decisions and mutually develop an investment plan to manage your goals. We use our investment process to collaborate with you on a investment plan tailored to your needs and accomplish your goals. 


Tailored Solutions

We do not believe that model portfolios or, one size fits all, is consistent with our mission to provide a high level of client service and customization to each portfolio. Because each client has a unique set of goals and objectives, Optimum constructs each portfolio one holding and one asset class at a time.

Investments Advisory

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We develop and implement an investment policy that is best suited for your financial situation and goals. Our investment philosophy is based on cash flow basis, and involves acquisitions of securities on a long-term basis utilizing modern portfolio theory. Instead of timing the market, we invest in high grade investment securities across market sectors, both domestically and internationally. 

In developing your portfolio recommendations, we first assess your personal risk tolerance through both quantitative and behavioral questionnaires, and then construct a customized portfolio that better suits your investment objective.

Financial Planning

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For a comprehensive financial planning engagement tailored to address your specific needs, we bill semi-annually at the beginning of every six months on a fee-only retainer. 


We also offer limited engagements at a reduced cost. Financial planning engagements are not a requirement to be an investment management client. You can choose to have a financial planning engagement annually, or for a single year and thereafter as needed. 

Retirement & Insurance Analysis

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We review the benefit-claiming strategies that are available to you and determine your optimal claiming strategy according to your current cash flow and long-term financial goals. 


In addition, we review your current insurance, and determine if you and your family are adequately covered across various types of insurance, including life, disability, and health insurance. 

We coordinate with outside specialists to determine if you also have adequate property and casualty insurance. We then work with your insurance agent to implement any necessary changes. 

Our Fees

 

Zagmout & Company  prides itself in being transparent and having a simple fee structure. Most advisory clients services will fit into the fees described below. Sure, there’s always the outlier or the unusual situation, but the following information gives you an idea of our philosophy.  


Investment Advisory Services:

We charge an annual investment advisory fee based on the total assets under management, and it is billed quarterly. Our fees range between 0.5% and 1% of assets under management.


 Fees are billed quarterly in arrears based on the amount of assets managed as of the close of business on the last business day of the previous quarter. 


Financial Planning Services:

Financial Planning Services are offered based on An hourly fee of $250 per hour. There is a minimum of 2 hours. The fees will be billed in 15-minute increments, and a partial increment will be treated as a whole increment.  Fees for financial plans are due upon delivery of the completed plan.


Regardless of services you may need, you will always know your fees prior to engaging us way in advance! 


In addition, we try to maintain historical fees for returning clients. 



Here is a quick list of the necessary steps  to have Zagmout & Company assist you achieving financial freedom and the process you can expect.   

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Services

Tax Preparation

Zagmout & Company provides a wide range of tax preparation, planning, advisory and related consulting services to individual and commercial clients.


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Accounting Services

We give you superior focus, creativity and technical competence We have extensive experience serving small and mid-size privately-owned businesses.


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Business Advisory

  We can  help you with entity selection & restructuring, and advise you on the best options  to meet the challenges of today’s business environment.


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Investments Advisory

  We develop and implement an investment policy that is best suited for your financial situation and goals. It is our core offering and the foundation upon which we begin to build our client relationship.


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Financial Planning

Our advanced planning addresses the range of financial needs beyond investment consulting. It consists of wealth protection, wealth transfer and charitable giving.


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Retirement & Insurance Analysis

It's important to have a clear understanding of the numerous risk factors retirees encounter as they plan their futures; Longevity, Inflation, Market Volatility, and the Unknown.


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Zagmout & Company CPAs Ltd.

200 E Randolph St. Suite 5100 Chicago, IL 60601

(312) 239-3716

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