Broker Check
📞 440-252-2449 ✉️ Otium@otiumfinancialplanners.com
Client Portal
Planning Tiers — Otium Financial Planners

Financial Planning That Works for You

Choose the Plan That Fits Your Life

At Otium, we believe financial planning should reflect the complexity of your life — not just the size of your portfolio. Our transparent, fixed planning fees never increase when markets rise.

All Planning Fees are Fixed — Not Asset-based.
📍
Blueprint
Where Am I Today?

Blueprint is the ideal starting point for anyone who wants a clear, honest picture of where they stand financially. This complimentary review gives you the foundation to make smarter decisions — no commitment required.

What's Included
  • ✓Initial Retirement Assessment
  • ✓Goal Review & Prioritization
  • ✓Investment Portfolio Review
  • ✓Social Security Overview Discussion
  • ✓Investment Management
🌱
Foundations
Retirement & Goal-Based Planning

Foundations is designed for individuals and families who want ongoing guidance around retirement, goal planning, and Social Security. You'll have a dedicated advisor and a living financial plan that evolves with you.

What's Included
  • ✓Retirement Planning
  • ✓Goal Planning & Tracking
  • ✓Social Security Analysis
  • ✓Annual Plan Updates
  • ✓Ongoing Advisor Access
  • ✓Investment Management
📊
Insights
Comprehensive Planning + Tax Strategy

Insights goes deeper — integrating tax planning, cash flow analysis, and Roth conversion strategies into a truly comprehensive financial picture. Ideal for those who want proactive planning, not just reactive advice.

Everything in Foundations, Plus
  • ✓Cash Flow & Spending Analysis
  • ✓Tax Planning & Strategy
  • ✓Holistiplan Tax Analysis
  • ✓Roth Conversion Analysis
  • ✓Distribution Planning
  • ✓Charitable Giving Strategies
  • ✓Client Mobile App
  • ✓Ongoing Planning Meetings
  • ✓Priority Advisor Access
⭐
Premier
Advanced Wealth & Legacy Planning

Premier is Otium's most advanced offering — built for families who want integrated estate, legacy, and business planning alongside comprehensive tax and investment strategy. A dedicated team coordinates with your CPA and attorney so nothing falls through the cracks.

Everything in Insights, Plus
  • ✓Estate & Trust Planning Coordination
  • ✓Legacy & Family Wealth Transfer Planning
  • ✓Business Succession Planning
  • ✓Customized Planning Projects
  • ✓CPA & Attorney Coordination
  • ✓Quarterly Progress Updates
  • ✓Multi-Account Coordination
Asset-Based Credits Program

The More You Grow,
the More You Save

Unlike most advisory firms, Otium rewards clients who entrust us with more of their financial life. As your managed assets grow, you earn asset-based credits that reduce your annual planning fee — automatically.

These aren't promotional discounts. They're a structural part of how Otium is built — because we believe clients who trust us with more should pay proportionally less.

Foundations
With $500K+ managed assets
Insights
With $1M+ managed assets
Premier
With $1M+ managed assets
Common Questions

What You Should Know Before You Choose

Do planning fees increase as my portfolio grows?
No. Otium's planning fees are fixed based on the tier you select — they do not increase when your portfolio grows or when markets rise. This is one of the core differences between Otium and traditional advisory firms, where fees are often tied directly to assets under management.
Is investment management included in all plans?
Yes. All Otium plans include investment management services. The planning tier you select determines the depth and breadth of your financial planning — from foundational retirement guidance to comprehensive estate and legacy coordination.
How do asset-based credits work?
Asset-based credits are applied automatically based on how much you have in Otium-managed accounts. Clients with $500,000 or more in managed assets qualify for Foundations credits; clients with $1,000,000 or more qualify for Insights and Premier credits. The credits reduce your effective annual planning fee.
Can I change plans as my needs evolve?
Absolutely. Your financial life changes over time — and your planning tier should too. Whether you're approaching retirement, navigating a business transition, or building a legacy, you can move between plans as your needs grow. Your Otium advisor will help you determine when an upgrade makes sense.
Where do I start if I'm not sure which plan is right for me?
Start with Blueprint — it's free and gives you a clear, honest snapshot of your current financial picture. After your initial review, your advisor will walk you through which plan aligns best with your goals, timeline, and complexity of your financial life. There's no pressure and no obligation.

Ready to Start Living a Full Life?

Schedule a free consultation and discover which Otium plan is right for you. No obligation — just clarity.

Book Your Free Consultation
otiumfp.com · Clarity. Value. Partnership.
📅  Connect With Us