You may find yourself day-dreaming about retiring one day, whether you’re new to your career or it’s so close you can almost taste it. With retirement planning, our goal is to help you make those dreams one day a reality.
The essence of retirement planning in California is the practice of ensuring financial security after retiring, to maintain your desired lifestyle after you stop working.
It all starts with creating a comprehensive retirement plan, and Optimize Accounting Solutions can help professionals and business owners alike create strategies and a plan that suits your goals and financial needs. Now you can truly find freedom from worrying about your financial future.
We get it. Your retirement goal is likely not the same as the person sitting across from you, so neither should your retirement plans be the same. We’ll help create a roadmap leading you toward financial independence in retirement through the following five strategic tactics.
At our firm, we work closely with you to understand your retirement goals, financial situation and risk tolerance in order to create tailored retirement plans designed specifically to your needs.
We’ll help you identify how much to save for retirement and where best to invest for tax-efficient growth, including taking full advantage of tax-advantaged accounts—401(k), IRA and Roth IRA—to optimize retirement savings.
You’ll need a steady source of income when you retire, so we’ll help develop a plan to balance savings, Social Security payments, pensions and any other sources to maintain your lifestyle over the long term.
We assist in planning when and how to withdraw money from retirement accounts in order to minimize tax liabilities, keeping more of your hard-earned savings intact.
Our advisors work to make sure your retirement plan keeps pace with rising living costs and potential healthcare expenses.
With a professional team we are ready to help your needs
It’s our mission to stay well-informed on current trends and regulations surrounding retirement planning, tax strategies, and investment management, allowing us to give you the direction you need when creating your plan..
To prepare you for retirement, we take a look at all aspects of your income, savings, investments, and tax liabilities when building your plan to make sure your plan takes in all options for consideration.
Helping people avoid overpaying taxes is our specialty. We will integrate this expertise into your retirement plan to maximize your income while effectively reducing your tax liabilities for a secure future.
Just as your life changes, so does the market. We provide continual monitoring and adjustments to ensure your retirement plan stays effective and relevant.
Helping people not overpay taxes is our specialty, so we’ll bring this expertise into your retirement plan to maximize your income and reduce liabilities.
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You don’t just want to trust anyone with your retirement planning in California. You need someone with experience. With knowledge of the current opportunities and laws. And, even more importantly, with the values to follow legal and ethical standards.
At Optimize Accounting Solutions, we gain trust by our clients because we care about your future, and we feel it is our moral obligation to serve you effectively, ethically, and legally.
We have years of experience and know what works and what doesn’t. We’ll share this insight with you and apply it to your retirement plan.
Retirement plans should be unique to each individual based on your needs and goals. We’ll get to know you and create your plan in accordance with what works best for you.
Laws and financial circumstances change frequently, so rather than offering only one-off solutions, we collaborate year-round to implement and adjust your tax plan as needed, taking advantage of new opportunities as they arise while simultaneously adapting your plan with changing needs and circumstances.
Our long-term commitment ensures that your retirement plan stays relevant as the economy and your financial needs evolve over time.
planning retirement California may seem daunting, so let Optimize Accounting Solutions assist you in developing a retirement plan designed specifically around your goals giving you financial security for years to come.
Though your savings goals, lifestyle expectations, and current financial situation all impact how much to set aside for retirement, the general guideline is setting aside 15-20% of your annual income each year.
It’s never too early to start planning for retirement to allow you to take full advantage of compound growth and tax-deferred savings opportunities, so the bottom line is the sooner you start, the better.
We recommend taking advantage of tax-advantaged accounts such as 401(k), IRA and Roth IRA. In addition, investing in diversified portfolios as well as employer sponsored retirement plans can also be effective ways of growing savings over time.
A retirement income plan, which integrates your savings, Social Security payments and any other income sources, is key to making sure they last throughout retirement.
Don’t worry! Just send your questions to us.
At Optimize Accounting Solutions, you get expert guidance for your individual tax planning needs so you reduce taxes, build wealth and protect your future. Contact us now for a free consultation!
Your journey to financial success starts with effective tax planning, and at Optimize Accounting Solutions, we are here to help you every step of the way.
Our team of professional tax planners brings decades of experience in developing customized tax strategies designed to achieve your financial goals. Whether you are an individual looking to maximize your tax savings, or a business owner seeking expert tax advice, Optimize Accounting Solutions has the expertise you need.
39812 Mission Blvd, Suite 224, Fremont, CA 94539
Discover why our clients trust and recommend us! See their glowing reviews and heartfelt testimonials about their experiences with us.
GOOD Based on 9 reviews Ben S.2024-04-08Verified I've been working with Pam at Optimize since I moved to the bay in 2020. I was new to the world of Silicon Valley, equity grants, and stock options and was nervous about the tax implications of these things. Pam has been great to work with and has made it very easy on me and my family. I am so grateful to this firm and intend to remain with them for the foreseeable future. Joan S.2022-07-13Verified They answered promptly and referred me to their offices in Castro Valley. When I'm ready for the services they offer, I will make an appointment. Thank you for your help. Sonny P.2021-07-29Verified For my business, I have worked with large firms and one man c.p.a.s. in the past with mixed results. Earlier this year I interviewed 5-6 different firms to take over from one of the aforementioned. I shared details and projected workloads to all I interviewed. I landed with Optimize. Specifically Pam. With her team she has developed an efficient, secure way to communicate and collaborate with client and firm. Optimize has cleaned up, updated and filled several years of taxes/bookkeeping. After all the heavy lifting was done, her team helped me gather the massive amount of books, records and documentation to apply for an SBA commercial property loan. Got the loan! I can't tell you how helpful Optimize has been. Now that we have good trust established, I feel I can focus on the numerous tasks of running and growing a business. Jayashree K.2019-05-13Verified This was my first year for filing the taxes by myself. And I was not sure if I would be able to take care of it. I went to Pam and she took care of everything. All I had to do is provide her all the information and nos. She also took care of my business taxes which I was filing first time this year. She is always available on phone if you have any questions and if she miss your call, she makes sure that she calls you back. And I hardly went to her two times and my taxes was done by then. I highly recommend her. Del T.2019-04-03Verified I've been dealing with Optimize Accounting Solutions for a couple of years now. The tasks they handled for me included two tax returns, plus accounting issues related to the sale of my successful Internet retail site in late 2017. Pam Brar is not only knowledgeable and highly experienced, but I find her a true pleasure to deal with. I appreciate that she is honest, above all else. I don't want to pay a CPA to do my tax and accounting work, unless I can rely that she is totally above board and doesn't try cutting corners to get me a few more bucks in reduced taxes. The worth of a $50 reduction in some tax category pales by comparison to the inconveniences that a taxpayer might have to go through in an IRS tax audit, if a tax preparer or CPA gets caught fudging on their tax return. For the past two years, Pam and her staff have saved me $$$, by knowing all the tax details that i never knew about, or applied, when I used to do my own taxes with TurboTax. I shudder to think how much I could have saved during my 15 years in business, if I hadn't been a tightwad and insisted on doing my own taxes with TurboTax. I'm sure the savings would have totaled many thousands of dollars. I highly recommend Optimize Accounting Solutions as a resource for use by small to mid-size businesses and by private parties who have reasonably complex tax-return needs! And, if you're looking for someplace that will do questionable or dishonest things, just to save you a few bucks, this isn't the place! JohnCara G.2018-03-30Verified Pam did a great job on my taxes. I have some non-standard items (foreign company stock, rental property, etc), and she fixed what my last guy had been doing wrong. She is also very affordable. Highly recommend. Ryan C.2017-02-16Verified Pam is a very thorough and professional CPA. I had personal and small business taxes to file for 2016 and she made sure that all my questions were answered. She guided through my first time of filing taxes as a sole proprietor business owner and went the extra mile on things. Definitely would do business with her again. If you need any accounting or tax services then look no further.
Their stories and experiences reflect the trust and value we strive to deliver every day. See why they choose us time and again!
jesus manzano2024-10-16Trustindex verifies that the original source of the review is Google. We always thought we had a good handle on our taxes until we started working with Pam Brar at Optimize Accounting Solutions. Pam took our tax strategy to the next level with her thorough planning and attention to detail. In 2023, we were expecting a hefty tax bill of $110,000, but thanks to Pam’s strategic planning, we only ended up paying $62,905, a savings of $47,095! And the best part is that our savings don’t stop there. With Pam’s forward-thinking strategies, we’re looking at saving another $185,000 in 2024, for a total tax savings of $232,095 over two years. Pam also helped us take advantage of investment opportunities that will bring in an additional $388,145 in returns. Between the tax savings and smart investments, our total financial benefit is projected to be over $620,000. We can’t emphasize enough how invaluable this tax planning has been for us. We’re not just saving on taxes—we’re securing a brighter financial future for our family and our business. Pam’s expertise has been essential to our success, and we highly recommend Optimize Accounting Solutions for anyone looking to maximize their financial potential. Sakshi Khurana2024-09-09Trustindex verifies that the original source of the review is Google. Absolutely stellar service! They go above and beyond with their expertise, professionalism, and attention to detail. Highly recommended for anyone looking for reliable and top-notch accounting solutions! Daniel Tapia2024-02-20Trustindex verifies that the original source of the review is Google. Such a great firm! 😀😀😀 love doing business with them. Jayashree Kamble2019-05-13Trustindex verifies that the original source of the review is Google. This was my first year for filing the taxes by myself. And I was not sure if I would be able to take care of it. I went to Pam and she took care of everything. All I had to do is provide her all the information and nos. She also took care of my business taxes which I was filing first time this year. She is always available on phone if you have any questions and if she miss your call, she makes sure that she calls you back. And I hardly went to her two times and my taxes was done by then. I highly recommend her. Paul Patel2017-02-05Trustindex verifies that the original source of the review is Google. I have been filing my Business Tax Returned with Pam for past 2 years. She explains and answers all my questions with patience and clarity (most CPA do not). Pam's guidance has help me navigate through some rough patches in 2015. She will continue to earn my business. I highly recommend Pam for your personal and business tax filling.
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