Our Team

Lance Riddle is a Certified Financial Planner™ and seasoned financial advisor with over 35 years of experience guiding individuals and families through the complexities of retirement planning and investment management. He began his career at Smith Barney and went on to serve as a Vice President at Bear Stearns. He also held key roles at Merrill Lynch, where he earned recognition in the firm’s prestigious Executive Club for his work in wealth management and retirement income planning.

Lance is proud to offer fiduciary, objective financial guidance through his affiliation with Charles Schwab—giving clients access to institutional-quality asset management backed by trusted, independent advice. He works with clients across the country to create personalized strategies designed to build wealth, manage risk, and provide clarity throughout retirement.

A graduate of the University of Oklahoma and the College for Financial Planning, Lance maintains his Series 65 license and insurance credentials. He has also taught investment and retirement planning courses through Brookhaven College’s 55+ program, helping retirees and pre-retirees make informed decisions about their financial futures.

Based in Dallas, Texas, Lance serves clients nationwide through virtual meetings and advanced planning tools, making it easy to collaborate from wherever life takes you.

Justin Falzone, CFP®, serves as a Financial Planning Associate at Optimal Wealth Advisors, where he plays a key role in delivering personalized financial planning and strategic guidance to clients across all stages of their financial journey. Known for his thoughtful approach and commitment to service, Justin helps build lasting relationships rooted in trust, clarity, and proactive problem-solving.

With over a decade of experience in the financial services industry, Justin brings a strong background in comprehensive planning, client service, and strategic oversight. His ability to simplify complex financial matters and tailor solutions to each client’s unique needs contributes meaningfully to the success and confidence our clients experience as they work toward their goals.

Outside of work, Justin enjoys spending time with his wife, Brittany, and their three children—Sofia, Vincent, and Henry. An avid outdoorsman, he finds balance in mountain biking, fly fishing, and snowboarding with friends and family.