Integrated Wealth Advisory brings retirement, tax, investment, and legacy planning together in one ongoing advisory relationship—so important decisions can be evaluated in the context of your entire financial life.
Integrated Wealth Advisory is designed for individuals and families who recognize that important financial decisions rarely exist in isolation. Retirement, taxes, investments, estate considerations, and family goals are often interconnected.
Rather than focusing on one area at a time, we provide ongoing guidance that helps coordinate these decisions so each choice can be evaluated against your broader objectives.
For many families, the greatest value is not simply receiving a financial plan. It is knowing that when an important opportunity, challenge, or decision arises, they have a trusted advisor who understands the full picture and can help evaluate the potential consequences before action is taken.
The goal is straightforward: align your financial resources with the people, priorities, and opportunities that matter most to you.
“Good financial advice isn’t just one decision.
It’s how all your decisions work together.”
As your financial life becomes more complex, a seemingly simple decision can affect several other parts of your plan.
A decision that helps in one area may create unintended consequences somewhere else. That is why context matters.
Each discipline has its own purpose. The value of integration is understanding how a decision in one area changes the choices available in another.
Financial
Planning
Investment
Management
Tax
Planning
Retirement
Planning
Estate &
Legacy Planning
You may benefit from Integrated Wealth Advisory if:
Ongoing planning for major financial decisions, both anticipated and unexpected.
Discretionary or nondiscretionary portfolio management aligned with the broader financial and tax strategy.
Forward-looking tax planning, tax preparation for integrated clients, and representation when appropriate.
Retirement-readiness analysis, Social Security and Medicare considerations, withdrawal sequencing, distribution strategy, and ongoing income planning.
Planning around beneficiaries, family support, charitable objectives, and coordination with estate attorneys or other professionals when needed.
We begin with a complimentary Discovery Meeting to understand what prompted you to reach out and whether the relationship is a good fit.
We gather and organize the financial information needed to understand your complete picture.
We evaluate your current position, model alternatives, and stress-test important decisions.
Recommendations are considered across retirement, tax, investment, and legacy planning—not in separate silos.
We help translate the strategy into specific actions and coordinate with outside professionals
We revisit the strategy as circumstances, markets, tax laws, and priorities change.
Fees are determined based on the complexity of your financial situation.
Factors may include:
A structured, ongoing process designed to keep your financial life coordinated.
Integrated Wealth Advisory is a more comprehensive, hands-on advisory relationship that coordinates financial planning, retirement, tax, investment, and legacy considerations. It does not mean you need to be ultra-wealthy. It means your financial life requires ongoing attention, coordination, and personalized advice.
A comprehensive financial plan can provide a broad analysis and set of recommendations at a point in time. Integrated Wealth Advisory is designed as an ongoing relationship in which those recommendations are revisited and coordinated as decisions, circumstances, tax laws, and markets change.
Not every engagement has to look identical. Whether Otium manages investments will depend on the scope of the advisory relationship and what is appropriate for your situation.
Annual fees generally range from $8,000 to $12,000 and are based on the complexity and scope of the engagement rather than a percentage of your wealth.
No. The service is particularly relevant for people approaching retirement, but it may also fit individuals and families whose financial decisions have become sufficiently interconnected to benefit from ongoing coordination.
Otium works virtually with clients and prospective clients. Availability may depend on applicable registration requirements and the scope of services requested.
The service is not designed around an asset threshold. Fit is determined by the scope and complexity of the financial decisions that need to be coordinated.
