Jay is a 30 year veteran of the investment industry. He specializes in producing superior risk adjusted returns through sophisticated forward looking asset allocation techniques. Prior to founding Optimal Capital, Jay directed the Global Wealth Management Group presence in Northern Michigan for Morgan Stanley. Jay graduated with a Bachelor of Arts in Economics from Alma College (Alma, MI), earned a Certified Investment Management Analyst (CIMA) designation from the University of Pennsylvania’s Wharton School (Philadelphia, PA), an Estate Planning Consultant designation from the American College (Bryn Mawr, PA) and holds several professional licenses. Jay is creator of the Optimal TLC Strategies, the NorthSTAR Collective Investment Funds and Optimal Alternative Titans.