Why Otto Ray?
- 26 years of Experience in the Financial Services Industry
- Committed Team Establishes Long and Trusted Relationships
- We Simplify the Process of Investing and Managing Risk
- We Provide Ethical Client Service
- We Make Surpassing Service Expectations a Priority
Password Protection Strategies
Simple steps may help you foil hackers and protect your privacy.
Stop Wasting Money
One way to find money is to examine your current spending habits and eliminate money wasters.
Budget Check Up: Tax Time Is the Right Time
Tax preparation may be the perfect time to give the household budget a check-up.
Concerns over identity theft continue to grow, especially with data breaches at major companies and financial institutions.
It may help your business be better prepared in the event of the death of a principal or key employee.
One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Taking regular, periodic withdrawals during retirement can be quite problematic.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Use this calculator to estimate your capital gains tax.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Assess how many days you'll work to pay your federal tax liability.
Estimate the total cost in today's dollars of various mortgage alternatives.
Principles that can help create a portfolio designed to pursue investment goals.
There are some smart strategies that may help you pursue your investment objectives
There are a number of ways to withdraw money from a qualified retirement plan.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Here are five facts about Social Security that might surprise you.
Do you have causes that you want to support with donations? Here are three tips.
There are hundreds of ETFs available. Should you invest in them?
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Though we don’t like to think about it, all of us will make an exit sometime, and those we love may suffer if we are not prepared.
The seas of the market are constantly shifting, and whether the good ship IPO can set sail may depend heavily on the tides.