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Financial Planning and Retirement Planning

Financial Planning and Retirement Planning

There are so many varying opinions on the keys to success and leading a meaningful, happy, and fulfilling life. Working hard, having discipline, and sacrificing are just a few examples. However, the one integral factor necessary to be successful at anything is Planning.

At Otium Financial Planners we help design a plan based on your Goals, Assets, Income, and Lifestyle. We will design a plan based on these factors and help you implement your plan by giving you online access to your personalized plan that is being updated daily in real time.

Social Security Analysis

Social Security Analysis

At Otium Financial Planners we want you to get the most out of Social Security, however we see many retirees make strategic mistakes that can cost them tens of thousands of dollars in lifetime benefits, let us help you with optimizing the right social security strategy that benefits you best.

Tax Planning

Tax Planning

Tax planning analyzes a person’s finances with the goal of achieving maximum tax efficiency. The analysis considers many factors:

  • Timing of income
  • Timing of purchases
  • Planning expenditures
  • Retirement savings strategy
  • Tax filing status and deductions

A tax planning strategy becomes part of an overall plan for making expenditures and allocating retirement and other savings accounts. It allows you to be proactive in all spending and savings rather than reacting when the tax bill comes due.

Estate Planning

Estate Planning

At Otium Financial Planners we help simplify the complexity of estate techniques and provide you with the knowledge needed for you to actively participate in your own legacy planning. By using a holistic view we are able to demonstrate the transition of wealth between generations, the impact of establishing trusts, and the potential benefits of various gifting strategies. This interactive experience allows clients to co-design their own plan and make informed decisions for their future.

Health Insurance and Medicare

Health Insurance and Medicare

At Otium Financial Planners we offer many high-quality plan options from trusted, vetted insurance companies. We choose partners based on their range of plan options, including additional benefits and discounts, commitment to high-quality customer service, and the ability to effectively serve customers in our area.

Our complimentary Health Insurance and Medicare services are available for people at any stage in their journey, including those who are:

  • Individuals and Families needing Health Insurance
  • Individuals age 65 and up enrolling in Medicare for the first time, and those who are already enrolled in Medicare, but looking for coverage that better meets their needs.
  • Employers looking for Group Health Coverage

Investments

Educational IRA

Traditional IRA

Roth IRA

SEP IRA

Simple IRA

Brokerage Accounts

Managed Accounts

Variable Annuity

Financial Planning

Retirement Plans

Tax Plans

401(k) Planning

403(b) Planning

Estate Plans

Insurance

Medicare

Health Insurance

Life Insurance

Long-Term-Care Insurance

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For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.