Optimal Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$43,388,864
Total clients
100
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
100
Average account size
$433,889
About
Optimal Planning LLC provides investment management, financial planning, and educational seminars to individuals, high‑net‑worth clients, and corporations or other businesses. Services include tailored investment policy development, retirement and estate planning, insurance reviews, and implementation of portfolios for clients who choose either managed accounts or standalone planning engagements.
The firm primarily employs passive investment management—building asset-class weighted portfolios using index mutual funds and ETFs—while also using fundamental and cyclical analysis to inform portfolio construction and recommendations. Account supervision is guided by each client’s objectives and investment policy, and although the firm has discretionary authority for some accounts, the majority of assets are managed on a non‑discretionary basis (approximately $2.4 million discretionary versus $33.4 million non‑discretionary as of 12/31/2024).
A distinctive aspect of the firm is that its principal is licensed to sell life and health insurance and conducts insurance business through an unaffiliated insurance agency, receiving commission income and ancillary benefits such as use of office space; that activity represents about 20% of the principal’s time and commissions do not offset advisory fees. Along with the unusually large share of non‑discretionary assets for a solo independent adviser, these features may affect how services are delivered compared with many peers.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Retirement income strategy
Fee options
Financial planning fixed fee ranges between $500.00 and $5,000.00, negotiable based on scope and complexity.
$1 - $1,000,000: 1.00% $1,000,001+: Negotiable
Financial planning hourly fee is $350.00 per hour, negotiable in certain cases.
Main office location
Optimal Planning LLC
1028 Lee Ann Drive, Suite 220
Concord NC 28025, United States
Number of offices
1
Most active in
Optimal Planning LLC has reported serving >5 clients in these states in the last 12 months.
North Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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