Broker Check

5488 East State Road 46
Bloomington, IN 47401


Otto Ray

(812) 331-7588

Making Your Tax Bracket Work Events on Wall Street The Power of Compound Interest The Cost of Procrastination

Why Otto Ray?

  1. 29 years Experience in the Financial Services Industry, with 18 years as a Fully Licensed Financial Adviser
  2. One-on-one Financial Consulting, Advising, Retirement Planning, Wealth Management

Why Phoenix Financial?

  1. We Establish Long and Trusted Relationships
  2. We Simplify the Process of Investing and Managing Risk
  3. We Provide Ethical Client Service
  4. 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."

Helpful Content

What to Look for in Personal Finance Apps

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

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

Countdown to College

Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.


Good Health is Good Business

Good employee health can be great for the company’s bottom line.

Making Sense of U.S. Household Net Worth

A look inside the U.S. government's statistics on household net worth.

A Primer on Dividends

A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."

Building Your Legacy

A four-step framework for building a personal legacy.

Tax Rules When Selling Your Home

The tax rules governing profits you realize from the sale of your home have changed in recent years.

Systematic Withdrawals in Retirement

Taking regular, periodic withdrawals during retirement can be quite problematic.

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Annuity Comparison

This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Historical Inflation

This calculator shows how inflation over the years has impacted purchasing power.

What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

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Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

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The Power of Tax-Deferred Growth

Why are 401(k) plans, annuities, and IRAs so popular?

Raise Your Retirement Income

Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.

To Buy or Not to Buy

The decision whether to buy or rent a home may have long-term implications.

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

Should You Tap Retirement Savings to Fund College?

There are three things to consider before dipping into retirement savings to pay for college.

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