# Optimum Financial Services, LLC

> Optimum Financial Services, LLC is an SEC-registered investment advisory firm in Jackson, MS, registered since 1991, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 9, 2026.

- CRD: 105878
- Filed as: OPTIMUM FINANCIAL SERVICES, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Jackson, MS
- Filing period: October 2026
- Form ADV filing dated: February 9, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/105878
- AdvisorCensus page: https://advisorcensus.com/firm/optimum-financial-services-llc-jackson-ms-105878

## Quick answers

**How is Optimum Financial Services, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Optimum Financial Services, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Optimum Financial Services, LLC charge?**
Its Form ADV Part 2A brochure dated February 9, 2026 states: Hourly rate: $150 an hour (investment consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Optimum Financial Services, LLC located?**
Optimum Financial Services, LLC's principal office is in Jackson, MS, according to its Form ADV.

**Is Optimum Financial Services, LLC registered with the SEC or a state?**
Optimum Financial Services, LLC is an SEC-registered investment advisory firm, registered since 1991. Status as filed: Approved. CRD 105878.

**How much does Optimum Financial Services, LLC manage?**
Optimum Financial Services, LLC reports $300,193,261 in regulatory assets under management in its Form ADV filing dated February 9, 2026 (100% discretionary).

**How have Optimum Financial Services, LLC's assets and staff changed since 2021?**
In the Form ADV data for Optimum Financial Services, LLC: Regulatory assets under management: $258,819,044 in the October 2021 data and $300,193,261 in the October 2026 data, up 16%. Total employees: 4 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Optimum Financial Services, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (194); high net worth individuals (42); pension and profit sharing plans (but not the plan participants or government pension plans) (6).

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

**Does Optimum Financial Services, 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/105878

**Does Optimum Financial Services, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated February 9, 2026 says: "Optimum generally does not impose a minimum relationship size."

**What changed in Optimum Financial Services, LLC's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $269,319,188 to $300,193,261 (+11%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated February 9, 2026)

- Account minimum: None

> Optimum generally does not impose a minimum relationship size.

- Hourly rate: $150 an hour (investment consulting services)

> Optimum offers investment consulting services at a minimum hourly rate of $150 per hour and requires at least a two (2) hour engagement.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

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

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: $300,193,261
- Discretionary: $299,989,277
- Non-discretionary: $203,984

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 194 | $42,976,580 |
| High net worth individuals | 42 | $242,389,166 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 6 | $9,365,994 |
| Corporations or other businesses not listed above | Fewer than 5 | $5,461,521 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 1991 (35 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: LA, MS, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- ofspm.com
- LinkedIn @optimum-financial-services-llc
- YouTube @UCo4y63d29IFVX_nckapyXgw

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $258,819,044 | 4 | March 24, 2021 |
| October 2022 | $268,701,792 | 4 | April 12, 2022 |
| October 2023 | $253,745,455 | 4 | March 16, 2023 |
| October 2024 | $257,450,141 | 4 | March 6, 2024 |
| October 2025 | $269,319,188 | 4 | February 3, 2025 |
| October 2026 | $300,193,261 | 4 | February 9, 2026 |

Regulatory assets under management: $258,819,044 in the October 2021 data and $300,193,261 in the October 2026 data, up 16%.
Total employees: 4 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $269,319,188 to $300,193,261 (+11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Optimum Financial Services, LLC (CRD 105878): Form ADV filing data as of October 2026.