OptimalPath Advisors, LLC

For 20 years, I built a career in banking — 17 of those at Eastman Credit Union in East Tennessee, where I helped families with lending, banking, and their first steps toward investing. In 2018, I discovered Financial Independence, and it changed everything. I restructured our finances, optimized our tax strategy, and built toward FI while still working full time. When we got there, I left banking to build the advisory firm I wish I'd had along the way. I earned my CFP® and became an IRS Enrolled Agent because I wanted to bring financial planning and tax expertise together under one roof. I built OptimalPath Advisors as a fee-only, flat-fee firm because I believe your advisor's cost should reflect the work — not the size of your portfolio. My approach is advice-first and fiduciary. Every client starts with a comprehensive financial plan that includes a Financial Independence Score — a single, clear number (inspired by pension-style funded ratios) that tells you exactly how on track you are. No abstract Monte Carlo probabilities. Just a real number you can act on. From there, you choose the level of ongoing support that fits. Navigator clients get year-round planning, quarterly check-ins, and tax preparation included — while keeping control of their own investments. Summit clients get everything in Navigator plus hands-on investment management, rebalancing, and tax-loss harvesting. Both tiers include tax prep at no extra cost. I work best with FI-minded professionals — DIY investors, early retirees, equity comp recipients, and busy families who want clear direction without product sales, commissions, or percentage-of-assets fees. I live in East Tennessee with my wife, Amanda, and our two dogs, Molly and Peach. We spend as much time as possible outdoors — in the mountains, on trails, and visiting National Parks across the country. Whether you're building toward FI, navigating an early retirement transition, or figuring out what comes next after hitting your number, I'm here to help you move forward — intentionally and in control.