Optimal Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$43,388,864
Clients
100
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
100
Very HighAverage 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. 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
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
$1 - $1,000,000: 1.00% annually $1,000,001+: Negotiable
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.
-
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.
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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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