Optimal Wealth Services

Optimal Wealth Services Fiduciary financial planning with a focus on retirement strategies, income planning, and long-term peace of mind. Proudly serving clients for 20+ years.

Call us today for a complimentary consultation:
267-399-8871 Optimal Wealth Services, located in Yardley, PA, has been established by Elizabeth (Elzbieta) Gosek, a financial advisor and a licensed insurance agent. With over 20 years of experience, Elizabeth continues to expand her practice and partner with likeminded professionals to deliver holistic financial planning services based on fiduciary

principles. Guided by her passion to help clients, individuals and business alike, achieve their financial goals, Elizabeth is a firm believer in educating her clients and the community through publications, seminars, and webinars. Our services include retirement income planning, Social Security maximization, investment and risk management, life insurance and protection planning, and forward tax planning among others. Call us, email us, or contact us on Facebook to schedule a complimentary meeting with Elizabeth Gosek today! Evening and weekend appointments available upon request. Disclosure: Investment advice offered through Great Valley Advisor Group, a Registered Investment Advisor. Great Valley Advisor Group and Optimal Wealth Services are separate entities.

Still writing “2025” on everything? You’re not alone! But ready or not, 2026 is here — and it’s full of fresh opportunit...
01/16/2026

Still writing “2025” on everything? You’re not alone! But ready or not, 2026 is here — and it’s full of fresh opportunities.

If there’s anything we can do to help you kick off the year strong, just give us a call. We’re here to help!

As the year winds down, we’re reminded that growth often happens in the moments we least expect — when we take small ste...
12/29/2025

As the year winds down, we’re reminded that growth often happens in the moments we least expect — when we take small steps forward, even through uncertainty. Whether you're closing out a tough season or stepping into something new, keep going. You've come further than you think.

What’s one lesson you’re taking with you into the new year? Share with us in the comments. We’d love to hear it.

As Christmas arrives, we’re reminded of the importance of slowing down and appreciating the people we’ve had the privile...
12/24/2025

As Christmas arrives, we’re reminded of the importance of slowing down and appreciating the people we’ve had the privilege of working with and supporting. That said, we’re truly grateful for your trust and partnership this time of year and always.

Our office will be closed Wednesday, December 24th, through Friday, December 26th, allowing our team to spend the holiday with their loved ones. We’ll get back to you as soon as we return.

Wishing you a joyful and restful Christmas, surrounded by the people who matter most.

One of the best gifts you can give yourself this holiday season is a secure financial future. Reach out today to schedul...
12/22/2025

One of the best gifts you can give yourself this holiday season is a secure financial future.

Reach out today to schedule an initial wealth management consultation, tailored to your unique needs.

This holiday season, give your team the gift of long-term financial security.Offering a 401(k) plan with employer matchi...
12/20/2025

This holiday season, give your team the gift of long-term financial security.

Offering a 401(k) plan with employer matching isn’t just a smart business move; it’s a meaningful way to show your employees their future matters. A well-designed plan can boost morale, reduce turnover, and create a workplace where people feel valued year-round.

Let’s make this season about lasting impact. Reach out to learn how we can help you implement or enhance your 401(k) offering.

Are you aware of the 2026 contribution limits for tax-advantaged retirement accounts? If not, we’ve got you covered, wit...
12/18/2025

Are you aware of the 2026 contribution limits for tax-advantaged retirement accounts? If not, we’ve got you covered, with a quick look at what’s changing:

✅ 401(k), 403(b), 457, and TSP limits will increase to $24,500 (up from $23,500).
✅ Workers age 50+ can contribute an additional $8,000 (up to $32,500 total).
✅ IRA contribution limits will rise to $7,500, with a $1,100 catch-up option.
✅ “Super catch-up” contributions for ages 60-63 remain at $11,250.

Now is a good time to evaluate your current savings plan, explore your IRA options, and decide whether catch-up contributions make sense for your 2026 goals.

If you’re self-employed, it may also be worthwhile to review whether your SEP IRA or solo 401(k) plan needs an update.

Need help navigating these changes? Contact us to discuss how you can maximize these increased limits for your retirement strategy.

As part of the SECURE 2.0 Act, a new paper statement requirement will take effect in 2026. This could directly affect ho...
12/16/2025

As part of the SECURE 2.0 Act, a new paper statement requirement will take effect in 2026. This could directly affect how employers communicate with plan participants. Swipe to learn more.

Questions about your plan or other employee benefits matters? Give us a call today.

As we wrap up the year, it’s a great time to evaluate your money management. One popular strategy is the 50/30/20 budget...
12/12/2025

As we wrap up the year, it’s a great time to evaluate your money management. One popular strategy is the 50/30/20 budget rule. Do you know how it works? Take our short quiz to find out.

Need help building your financial future in the new year? Give us a call today. We’re here to help.

December will be over before we know it, so we’re sharing an urgent reminder about annual required minimum distributions...
12/10/2025

December will be over before we know it, so we’re sharing an urgent reminder about annual required minimum distributions. Take a look below at key information for Americans who are 73 years or older.

🔹If you turned 73 in 2025, you have until April 2026 to take your first distribution. However, you will need to take your second distribution by December 31, 2026. Taking both in 2026 could have negative tax impacts. Discuss the best course of action with your financial advisor.

🔹If you’re age 74 or older, the IRS requires you to take an RMD from certain retirement accounts by December 31st.

🔹Applicable accounts include: Traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)s, and 457(b)s. However, the IRS does not require RMDs from Roth IRAs, Roth 401(k)s, or Roth 403(b)s while the account holder is living.

🔹Missing the deadline could result in a penalty of 25% of the RMD amount and 10% if corrected within two years for IRAs.

Have questions about RMDs or other investing matters? Give us a call today.

Santa Claus is coming to the… stock market? Well, maybe not — but the Santa Claus Rally is a real phenomenon that invest...
12/08/2025

Santa Claus is coming to the… stock market? Well, maybe not — but the Santa Claus Rally is a real phenomenon that investors have tracked for decades. Today, we’re spreading some holiday cheer by sharing an overview of what exactly it is and what investors should know. Swipe to learn more.

As always, give us a call with any investing questions or needs.

While the holiday season is rich in joy, it can also bring unexpected expenses. To help you keep your finances on track,...
12/05/2025

While the holiday season is rich in joy, it can also bring unexpected expenses. To help you keep your finances on track, we’re sharing simple holiday budgeting tips you can start using today.

As always, if you have any investing or wealth management questions, we're here to help.

Address

510 Floral Vale Boulevard
Yardley, PA
19067

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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