OptimalPath Advisors, LLC logo

OptimalPath Advisors, LLC

Updated today

Client AUM

$0

Clients

0

Advisors

1

of 1 employees

About

The firm provides financial planning and investment management primarily to individual clients and small businesses through three defined service tiers: project-based planning, ongoing advice-only planning, and a wealth-management option that includes investment management. The brochure also discloses that basic individual income tax preparation and broader tax planning support may be provided as part of ongoing engagements.

Investment decisions are guided by modern portfolio theory, asset-allocation models, fundamental analysis, and use of mutual funds and ETFs with an emphasis on passive implementation where appropriate; discretionary trading authority is limited to trading-only powers of attorney for managed accounts. The firm operates on a fee-only basis and uses a primarily flat-fee pricing model rather than percentage-of-assets, with custodial billing options available for clients who elect managed services.

Noteworthy distinctions include the firm’s tax and planning capabilities supported by its principal’s CFP certification and Enrolled Agent credential and prior experience in banking and credit underwriting, which the brochure cites in describing its ability to provide business-planning and tax-related services. The firm is recently formed and reports no assets under management and a small client base as of the most recent filing, reflecting an early-stage practice combining planning, tax preparation, and an uncommon flat-fee structure for an independent adviser.

Client services

Financial planning Portfolio management Tax preparation services

Expertise

General retirement planning Tax-loss harvesting Roth conversion strategy Retirement withdrawal strategies Cash flow / budgeting

Occupation focus

Founder/Business Owner Executive

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Fee options

Fixed

Pathfinder project-based fixed fee: $1,500 – $5,000; Onboarding/initial planning fee for Navigator and Summit: $1,500 – $5,000

Project-based

$125 – $200 per hour for optional out-of-scope services under Pathfinder

Other

Fee-only: Pathfinder fixed fees: $1,500 – $5,000; Navigator ongoing fees: $3,000 – $6,000 annually; Summit ongoing fees: $4,800 – $7,800 annually; Hourly rates: $125 – $200 per hour (optional for out-of-scope work under Pathfinder)

Main office

Church Hill TN

Advisors at this office

1

Most active in

Tennessee · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Josh S

CFP®, EA

Church Hill, TN

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.

General retirement planning Tax-loss harvesting Roth conversion strategy Retirement withdrawal strategies Cash flow / budgeting Founder/Business Owner Executive Mid-Career Professionals Gen Y/Millennials (Born 1980-1995)
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