# Optimal Capital Advisors, LLC

> Optimal Capital Advisors, LLC is an SEC-registered investment advisory firm in Traverse City, MI, registered since 2007, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 144719
- Filed as: OPTIMAL CAPITAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Traverse City, MI
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/144719
- AdvisorCensus page: https://advisorcensus.com/firm/optimal-capital-advisors-llc-traverse-city-mi-144719

## Quick answers

**How is Optimal Capital Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Optimal Capital Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); performance-based fees. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Optimal Capital Advisors, LLC located?**
Optimal Capital Advisors, LLC's principal office is in Traverse City, MI, according to its Form ADV.

**Is Optimal Capital Advisors, LLC registered with the SEC or a state?**
Optimal Capital Advisors, LLC is an SEC-registered investment advisory firm, registered since 2007. Status as filed: Approved. CRD 144719.

**How much does Optimal Capital Advisors, LLC manage?**
Optimal Capital Advisors, LLC reports $119,931,878 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (100% discretionary).

**How have Optimal Capital Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Optimal Capital Advisors, LLC: Regulatory assets under management: $106,332,399 in the October 2021 data and $119,931,878 in the October 2026 data, up 13%. Total employees: 6 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Optimal Capital Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (102); high net worth individuals (25); charitable organizations (3).

**Which custodians does Optimal Capital Advisors, LLC use?**
Optimal Capital Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC and Inspira Financial as custodians holding 10% or more of its separately managed account assets.

**Does Optimal Capital Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/144719

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Performance-based fees

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Brokerage Services LLC
- Inspira Financial

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $119,931,878
- Discretionary: $119,931,878
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 102 | $21,472,313 |
| High net worth individuals | 25 | $92,803,389 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $341,948 |
| Charitable organizations | 3 | $5,314,228 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2007 (19 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, FL, MI, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- optimalcapital.com
- LinkedIn @OPTIMAL-CAPITAL

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $106,332,399 | 6 | July 26, 2021 |
| October 2022 | $112,420,809 | 5 | March 30, 2022 |
| October 2023 | $113,819,254 | 3 | March 30, 2023 |
| October 2024 | $116,624,038 | 3 | August 1, 2024 |
| October 2025 | $119,123,630 | 2 | March 31, 2025 |
| October 2026 | $119,931,878 | 2 | March 23, 2026 |

Regulatory assets under management: $106,332,399 in the October 2021 data and $119,931,878 in the October 2026 data, up 13%.
Total employees: 6 in October 2021 and 2 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Optimal Capital Advisors, LLC (CRD 144719): Form ADV filing data as of October 2026.