Union Members

At first glance, Union members seem like an odd fit when grouped with Social Impact Professionals such as Educators, Healthcare professionals and Nonprofit Executives. Although the approach is different, their needs align very well with the Smart Finances, Simplified approach of OTO Financial.

Educate

Union benefit programs are typically complex, and a single Union or workplace might offer several different benefit programs, based on when the Union member entered. When it comes to investments, our Union member clients are typically more independent. We help our Union member clients to understand their benefit programs, to update and focus on tax benefits now and into retirement, while providing as much or as little investment guidance as needed. We often act as sounding boards, helping these clients to evaluate information and potential directions with greater depth.

We help the younger Union members to create well-rounded financial strategies for their families, incorporating other household retirement savings activities, including aspects like saving for education, protecting assets and tax saving strategies.

Coordinate

Consolidate

When those Union members approach the decade leading to retirement, we revisit their financial strategy and adjust it to create a trajectory toward retirement, taking into account stable income, other household retirement assets and the need to continue growing assets throughout retirement.