CFD Investments Agent

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The Best Financial Solutions for You:

Otto’s goal is to simplify the process of investing, managing risk, preparing for retirement, and preserving wealth. By helping clients in acquiring the information and strategies they need to pursue their financial objectives, he is commited to establishing long and trusted relationships.
 
Otto is not only a licensed financial advisor, he has over 26 years of experience in the insurance field and can provide clients with Auto, Home, Life, Health, & Commercial coverage through Otto Ray Agency. Call for a free quote, Monday-Friday 9am-5pm: (812) 331-7588.
 
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About Otto Ray:
Since graduating from Indiana University in 1986, Otto has worked in Insurance and Investments his entire career. He has been recognized for his outstanding financial service by various industry groups and is dedicated to finding the best solutions for each client's unique financial goals and objectives. 
 
He is active in Rotary International and the National Association of Insurance and Financial Advisors. He also serves as the Indiana Ambassador for the Nyaka Aids Orphans School and is a Co-founder and Board Member of the Indiana Friends of Nyaka.
Calculators

Life Insurance

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Savings Goals

How much do you need to save each year to meet your long-term financial goals?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Investor Profile

Asset Allocation and It's Ever Changing "Mix" Are Powerful Keys

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Newsletters

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

HOT TOPIC: Looking Ahead in 2012

2011 was a year of slow economic recovery, market volatility, and political conflict over the budget, the national debt, and taxes. All of these challenges continue to face us as we begin the new year. This article presents an overview of some of the issues that bear watching in 2012.

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