Why Otto Ray?
- 29 years Experience in the Financial Services Industry, with 18 years as a Fully Licensed Financial Adviser
- One-on-one Financial Consulting, Advising, Retirement Planning, Wealth Management
Why Phoenix Financial?
- We Establish 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
Note from Otto Ray:
"It is important to me to devote more attention to meeting the needs and protecting the interests of my current clients by analyzing both the market and economic fundamentals and trends than I do welcoming new clients."
What to Look for in Personal Finance Apps
An increasing number have been developed to help individuals with their personal finances.
A Penny Saved is Two Pennies Earned
Here are some simple and inexpensive energy-saving tips that may help you save money.
Countdown to College
Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
Good employee health can be great for the company’s bottom line.
A look inside the U.S. government's statistics on household net worth.
A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
A four-step framework for building a personal legacy.
The tax rules governing profits you realize from the sale of your home have changed in recent years.
Taking regular, periodic withdrawals during retirement can be quite problematic.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
This calculator shows how inflation over the years has impacted purchasing power.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
This calculator can help determine whether it makes sense to refinance your mortgage.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Investment tools and strategies that can enable you to pursue your retirement goals.
There are some smart strategies that may help you pursue your investment objectives
How federal estate taxes work, plus estate management documents and tactics.
There are some key concepts to understand when investing for retirement
The importance of life insurance, how it works, and how much coverage you need.
Why are 401(k) plans, annuities, and IRAs so popular?
Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.
The decision whether to buy or rent a home may have long-term implications.
There’s an alarming difference between perception and reality for current and future retirees.
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
There are three things to consider before dipping into retirement savings to pay for college.