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Educators
OTO Financial is a group with a history of helping teachers understand and make the most of the benefits provided at a State and a school district or corporation level. Here’s how we do it.
Consolidate
If you or someone in your household has accounts from a former employer, inheritance or from time spent with a previous financial advisor, we will evaluate them and, if it would be beneficial, we will help you to consolidate them based on a desire to lower costs, relieve complexity or pursue a specific goal that is not being addressed.
Educate
As an educator/client, we will help you to make sense of the benefits you have, guiding you through an initial process of confirming that existing benefit programs have up-to-date beneficiaries, that accounts are structured to maximize impact on your taxes and that programs are being properly funded. We will create an investment strategy that makes sense, given the market conditions, other retirement investments, your personal orientation to risk and your time to retirement.
We will then advise you on how you can coordinate all your retirement benefits, and those in your household with this new investment strategy, and we’ll work with you to make that coordination happen.
