Your retirement deserves a real plan.

Book a no-cost, no-obligation meeting with one of our fiduciary planners. Walk away with a personalized financial roadmap built around your life and your goals.

A personalized retirement income projection
Social Security optimization analysis
Investment portfolio health check
Tax-efficient withdrawal strategy overview
Your questions answered — zero sales pressure

Limit one complimentary review per household. Offer applies to households with minimum investable assets of $250,000. Your information is never shared or sold.

What's included

A plan that covers every dimension of your financial life.

At Otium we start by learning what matters most to you — then build a strategy around your goals, timeline, and lifestyle.

Retirement Income Projection

A clear, personalized estimate of your monthly income in retirement — including Social Security, investment drawdowns, and pension income.

Social Security Timing Strategy

Understand exactly when to claim benefits to maximize your lifetime payout — a decision that can be worth tens of thousands of dollars.

Tax-Smart Withdrawal Plan

Sequence withdrawals across your accounts to reduce your tax burden and help your savings last as long as possible.

Portfolio Health Assessment

An independent review of your current investments — identifying gaps, overlaps, and whether your asset allocation fits your stage of life.

Estate & Legacy Overview

A high-level look at how your assets pass on — and how to close any urgent gaps in your estate planning before they become costly problems.

Ongoing Planning Relationship

This review is the beginning — not a one-time event. We'll continue to help you adjust your plan as your life and circumstances evolve.

How it works

Simple. Personal. Built around you.

Getting started takes less than two minutes.

Submit your details

Fill out the short form above. No financial documents required at this stage — just the basics so we can prepare for your conversation.

We call you

A member of our planning team will reach out within one business day to learn about your goals and schedule your free meeting.

Receive your plan

Walk away with a personalized financial snapshot and a clear path forward — with no obligation to proceed as a client.

Common questions

Everything you need to know.

Yes, completely. There is no cost and no obligation to become a client. One complimentary review per household, for households with minimum investable assets of $250,000.

Absolutely. A second perspective costs you nothing and could reveal strategies your current advisor hasn't addressed. Many of our best client relationships began as second-opinion reviews. It's OK if you're currently working with an advisor.

Your free review meeting runs approximately 60 minutes — in person at our Willoughby Hills office or via video call. Our planners will never rush you.

Nothing is required upfront. If you'd like the most detailed review possible, bring recent account statements and a rough sense of your monthly expenses — but this is entirely optional.

Fees are based on a percentage of assets under management. We also offer subscription-based and hourly planning options. Your planner will explain all fee structures clearly during your free review — before you make any commitment.

Your future is worth planning for.

Book your free, no-obligation review today. Spots are limited each month.

Get Your Free Plan →