Financial decisions fail from timing and judgment, not information
Our focus is simple: We help you avoid costly financial mistakes before you act.
Our Philosophy
Our Philosophy
Our Planning Style
Our Planning Style
We Are Otium
Our Promise to You
Our Promise to You
Our Process
Our Process
About
We Are Otium
Otium comes from Latin, meaning leisure, retreat, or freedom. It’s more than rest—it’s the freedom to engage in what truly matters: meaningful pursuits, personal growth, and reflection. In short, it’s the stage of life when you spend time doing what you want to do, not what you need to do.
Our mission is to help you get there.
Advisory Services
At Otium, we offer three core services—Financial Planning, Investment Management, and Tax Planning—working together to guide every step of your financial journey and keep you confident for the future.
Financial Planning
Financial Planning
Investment Management
Investment Management
Tax Planning
Tax Planning
Empowering Your Financial Journey
Who We Serve
We work virtually with individuals and families who value thoughtful, fiduciary financial advice regardless of whether they live down the street or hundreds of miles away.
What We Do
Whether it’s retirement planning, investment management, or everything in between, our focus is on building a strategy that works together seamlessly.
Why We Exist
Smart financial planning shouldn’t come with a price tag of exclusivity. You need solutions that work for real life—not just for those with a high net worth.
Recent Blog Posts
What is Retirement Income Planning?
When I entered the financial services industry more than two decades ago, retirement planning often followed a fairly simple formula: save as much as possible, invest for growth, and hope everything works out. The industry has changed significantly since then. Retirement planning once focused heavily on accumulating assets before retirement. Today, the conversation also includes […]
The Cost of Control
I don’t remember exactly how the conversation started, but a client and I recently found ourselves talking about the California Mega Millions jackpot, which at the time advertised an estimated prize of $160 million. Naturally, the conversation turned hypothetical. What would you do if you won? He had answers ready: quit his job, pay off […]
Choosing Your Pension Payout
Thoughts of retirement often focus on what life may look like after work. But if you participate in a defined benefit pension plan, one important decision may arrive before retirement begins: how should you receive your pension? Depending on the plan, retirees may be offered several payout choices. Common options include a single-life annuity, one […]
Upcoming Speaking Events
Medicare 101 (CSUDH OLLI)
- October 8, 2026
- 10:00 am
- - 11:50 am
Social Security Benefits Maximization Workshop (CSUF OLLI)
- October 17, 2026
- 9:30 am
- - 11:30 am
Our Partners
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