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How We Work

Our firm focuses on helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

At The Retirement Optimization Group, we provide assistance in the following areas:



Check Writing

Common Stock

Debit Card

Educational IRA

Brokerage Accounts

Traditional IRA

Roth IRA


Simple IRA

Treasury Bills

Government Securities

Treasury Notes

Variable Annuities

Financial Planning

Retirement Plans

Tax Plans*

401(k) Planning

403(b) Planning

College Plans

Estate Plans*

Money Management

Money Purchasing Plans

Profit Sharing Plans


Disability Income Insurance

Life Insurance

Long-Term-Care Insurance

Individual Health Insurance

Group Health Insurance

Social Security Planning

Review of information as it relates to Social Security

Review income sources

Discuss tax considerations*

Discuss possible strategies for Social Security

Discuss filling in gaps for said strategies

College Planning

Financial Aid Strategies

College Savings Options

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*Neither Cadaret Grant & Co, Inc. nor its registered representatives or employees, provide tax or legal services.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | 585-465-5065