Optimized Capital LLC

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Client assets under management

$3,880,000

Clients

20% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$776,000

About

Optimized Capital LLC provides financial planning, portfolio management, and retirement-plan consulting to a small set of clients that includes individuals (including high-net-worth clients), corporations, and pension or profit-sharing plans. The firm reports managing about $62.6 million in client assets across five client relationships and generally requires a $500,000 account minimum (which may be waived).

The firm constructs customized model portfolios with an emphasis on asset allocation and may use fundamental, technical, and long-term strategies, with periodic rebalancing. Although its management agreement allows for discretionary trading, the brochure shows the firm manages $3.88 million on a discretionary basis and $58.696 million on a non-discretionary basis as of January 1, 2026, indicating most assets are managed in a non-discretionary, advisory capacity.

Distinctive features disclosed in the brochure include that the firm’s principal maintains a licensed insurance practice and may receive commissions for insurance product sales, and that the firm provides ERISA 3(21) and 3(38) services for retirement plans. The firm also notes it was newly registered as an investment adviser in December 2024 and recommends Charles Schwab as its custodian, from which it receives certain economic benefits.

Client services

Financial planning Portfolio management Retirement plan consulting services

Expertise

Active portfolio management Options & derivatives strategies Cash flow / budgeting

Fee options

Fixed

Annual fixed fee for portfolio management no less than $10,000; annual fixed fee for retirement plan consulting no less than $5,000

Percentage

$0 - $1,000,000: 1.50% annually $1,000,001+: 1.00% annually (or fixed fee no less than $10,000, negotiable)

Other

Account minimum: $500,000 (may be waived at discretion) Minimum fee: Annual fixed fee no less than $10,000 for accounts over $1 million; annual fixed fee no less than $5,000 for retirement plan consulting Fee-only: Annual fixed fees for portfolio management and retirement plan consulting services

Main office location

Optimized Capital LLC

Schererville IN, United States

Number of offices

Most active in

Illinois · Indiana

Disclosures

Business activities & affiliations

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.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

X Website 312-263-1590

Advisors at this firm

David B

Series 63, Series 65

Schererville, IN

Optimized Capital LLC

David Bonifield is a financial advisor at Optimized Capital LLC with nine years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Fourstar Wealth Advisors, LLC and U.S. Bank. Outside of his advisory role, he serves as president of Boniventures, Inc., a consulting firm unrelated to investments. Optimized Capital LLC provides financial planning, portfolio management, and retirement-plan consulting to individuals, corporations, and pension or profit-sharing plans. The firm emphasizes customized model portfolios focused on asset allocation and employs a mix of fundamental, technical, and long-term strategies with periodic rebalancing.

Active portfolio management Options & derivatives strategies Cash flow / budgeting

Gene W

CFP®, Series 63, Series 66

Schererville, IN

Optimized Capital LLC

Gene Witt is a CFP® with 20 years of industry experience and is currently affiliated with Optimized Capital LLC. He has previously worked at FourStar Wealth Advisors, LLC, and Cetera Investment Advisers LLC. In addition to his advisory work, Witt maintains a licensed insurance practice selling health, property, and casualty insurance. Optimized Capital LLC provides financial planning, portfolio management, and retirement-plan consulting to individuals, corporations, and pension or profit-sharing plans. The firm specializes in customized model portfolios focused on asset allocation and offers both discretionary and non-discretionary management services.

Active portfolio management Options & derivatives strategies Cash flow / budgeting

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