# John Smith

> John Smith is a fee-only financial advisor at Optimist Capital in Palm Beach Gardens, Florida. John focuses on retirement planning and estate & legacy planning. Optimist Capital reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/john-smith/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Optimist Capital
- **Based in:** Palm Beach Gardens, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $96.7M across 70 accounts
- **Specialties:** Retirement planning, Estate & legacy planning
- **CRD:** 428085 (https://adviserinfo.sec.gov/individual/summary/428085)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 63 (1981), Series 65 (2016)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://www.optimistcap.com

## Frequently asked questions

### Is John Smith a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: John holds no broker registration, and Optimist Capital reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does John charge for financial advice?

John's firm, Optimist Capital, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is John Smith based?

John Smith is based in Palm Beach Gardens, Florida.

### What does John specialize in?

John's specialties include retirement planning and estate & legacy planning.

### Is John Smith registered with the SEC?

Yes. John Smith is registered as an investment adviser representative in FL (CRD 428085), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Optimist Capital manage?

Optimist Capital reports $96.7M across 70 accounts in assets under management.

### How do I contact John Smith?

Through John's website, www.optimistcap.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/428085): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://optimistcap.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.