Optimal Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Optimal Planning LLC provides investment management, financial planning, and educational seminars to individuals, high-net-worth clients, and corporations or other businesses. As of December 31, 2025 the firm reported $40,820,011 in discretionary assets and $2,568,853 in non‑discretionary assets under management.
The firm primarily practices passive investment management by building portfolios of index mutual funds and ETFs guided by client-specific investment policy statements, and it supplements allocation decisions with fundamental and cyclical analysis. Accounts are reviewed quarterly and, when authorized, the adviser exercises discretionary trading authority while allowing clients to impose reasonable restrictions.
A distinctive feature is that the firm’s principal is licensed to sell life and health insurance and conducts that business through an unaffiliated insurance agency, receiving commissions and other benefits (the activity represents approximately 20% of the principal’s time). Although most AUM is discretionary, the firm maintains a measurable non‑discretionary advisory sleeve and does not provide written reports to investment management clients, practices that may differ from many peer firms.
Client services
Expertise
Fee options
$1 - $1,000,000: 1.00% annually $1,000,001+: Negotiable
Main office
1028 Lee Ann Drive, Suite 220
Concord NC 28025
Advisors at this office
1
Most active in
North Carolina
Also doing business as
Optimal Planning LLC · Optimal Planning, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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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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