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."
Apps That Help Achieve Goals
If you find it hard to attain personal life goals, there’s an app for that!
The Anatomy of an Index
The S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.
Countdown to College
Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
Building wealth requires protection from the forces of wealth destruction.
Tips on insuring your teen driver.
Lifestyle considerations in creating your retirement portfolio.
Don’t overlook the need for renter’s insurance if you rent your home.
Does it make sense to borrow from my 401(k) to pay off debt or to make a major purchase?
What can be learned from the savings rate?
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 long your retirement savings may last using various monthly cash flow rates.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Estimate how much income may be needed at retirement to maintain your standard of living.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
There are some smart strategies that may help you pursue your investment objectives
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.
Using smart management to get more of what you want and free up assets to invest.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are a number of ways to withdraw money from a qualified retirement plan.
Learn how to harness the power of compound interest for your investments.
Here are five facts about Social Security that might surprise you.
Three things to consider before dipping into retirement savings to pay for college.
Are you ready for retirement? Here are five words you should consider.
The seas of the market are constantly shifting, and whether the good ship IPO can set sail may depend heavily on the tides.
Tulips were the first, but won’t be the last. What forms a “bubble” and what causes them to burst?