Otium Financial Planners
"Live A Full Life"

Financial Planning

for all of Life's Stages

Who’s Coordinating Your Comprehensive Financial Plan?

As financial representatives, we have seen many clients just like you, who think they have taken care of all their financial issues. They’ve accumulated wealth and made proper investments. They may have a will in place or have bought insurance to protect against the unexpected. Our role as advisors is to help make sure that all of these pieces, and many others, fit together to form a comprehensive picture


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Understanding How It All Fits Together

Do you have the proper insurances? Can you be sure your insurance plans meet your needs based on your retirement goals? What about the tax ramifications of your retirement planning? Are your investments in line with the amount of risk you are willing to take? Are you paying the right amount or overpaying for the advice you are being given? What are the hidden costs?

As advisors, it is our responsibility to discuss with you:

  • Your current financial situation
  • Your future goals
  • How you want to live in retirement
  • The legacy you want to leave
  • The tax issues you face now and later
  • How insurance can help you reach your goals
  • Provide you with a written plan
  • Provide you with a true analysis of what you are paying for advice
  • Help you lower costs

5 reasons why you should work with a financial professional to create a retirement plan:

  • Focus on your goals in retirement and how you will pay for them
  • Address your concerns and expectations for retirement.
  • Identify things that could pose a threat to your retirement and manage them.
  • Feel more educated, confident and in control of your financial future.
  • To help you navigate the complexity of financially moving into retirement.


Our Process

Discovery

During our first meeting, we ask you to tell us your story. We listen carefully as you describe your financial situation and what you hope to accomplish through planning. We want to know where you would like to be when you reach retirement, and we want you to know how we can help you get there.

Analysis and Development

We analyze all of the data we have gathered during discovery and present you with a goal-oriented, computer-generated financial plan during our second meeting. We walk you through the plan and answer any questions you may have. At this point, you make the decision whether to move forward.

Implementation

We analyze all of the data we have gathered during discovery and present you with a goal-oriented, computer-generated financial plan during our second meeting. We walk you through the plan and answer any questions you may have. At this point, you make the decision whether to move forward.

Monitoring

Once your financial plan is in action, we continue to monitor your investments and how you are tracking against your goals. During our annual meeting, we discuss your progress and make any adjustments necessary to keep you aligned with your financial plan