We are a financial services firm dedicated to preserving our clients’ assets from the high costs of health care emergencies, including but not limited to nursing homes, assisted living facilities, and home health care. We also assist veterans and their families in obtaining financial benefits through the Veteran Administration’s Aid and Attendance Program.
We help our clients successfully navigate the maze of government regulations designed to confiscate their assets, in order to reposition those assets in a safe harbor, where they can be preserved. We create a plan for families in a health care crisis, where a loved one is in a facility spending down their assets, or for clients who are simply planning ahead for their family in case an emergency arises.
We offer our clients:
- A long, proven history of preserving assets.
- A long history of assisting veterans or their spouses in obtaining financial benefits through the Veteran Administration’s Aid and Attendance program.
- A comprehensive financial plan for preserving our clients’ wealth.
- Conservative investments, preserved with legal tools designed to preserve our clients’ assets from their creditors.
- A team approach in this highly specialized arena. We work with a network of attorneys that specialize in elder law and dedicate their practice entirely to this area of planning.
- An experienced and caring support team of professionals who are eager to help you.
About our founder, Bill Otto
I have been helping clients preserve their assets for over 18 years and have helped literally hundreds of families in the highly specialized field of Asset Preservation. Prior to asset preservation, I managed a successful practice with the Wealth Firm of Merrill Lynch, where I authored and implemented many comprehensive financial plans for our clients. I changed the focus of my practice when a personal friend and client lost his family’s farm to nursing home spend down. This event lead me into the field of Elder Care Financial Planning. Which is helping families preserve their assets through many phases of their retirement years and even if they are in “crisis planning” meaning they are in a nursing home when we meet with the family.
We are licensed in several states in major lines of insurance, we are licensed to buy and sell individual stocks and bonds, as well as managed money investments. I am a licensed fiduciary, where I am legally and ethically bound to work in my client’s best interest and not mine. We have been named as a Top Wealth Manager as seen in Cincinnati Magazine. This honor places our firm in the top7% of financial firms and we are proud to have been named seven of the last eight years.
I was born in Fort Thomas, Kentucky, and graduated from the University of Kentucky, in Lexington. Upon graduating I worked in the floor covering industry and was promoted from Cincinnati to Regional Manager in New York City (Manhattan), New York, Kentile’s largest sales territory. I moved back home with my wife, Polly, to raise our family with the good old Midwestern values. I enjoy my leisure time with my family, Polly, Will and Chappell. Many weekends you will run into me camping at our local state parks with my family including our dogs, Hank and Jack!