Otto & Associates, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Otto & Associates, Inc. provides personalized financial planning and discretionary investment management primarily to individuals and families, and also to charitable organizations, trusts, estates, pension and profit‑sharing plans, and small businesses. The firm manages approximately $286.6 million for about 155 clients and offers tailored planning, implementation assistance, and ongoing portfolio oversight.
The firm’s investment process emphasizes strategic asset allocation and the long‑term use of no‑load mutual funds and ETFs, with fundamental analysis informing security selection and selective technical analysis applied to opportunities such as closed‑end fund discounts. An internal Investment Committee of the firm’s advisors sets policy and conducts periodic (at least semi‑annual) reviews, and the firm implements portfolios on a discretionary basis under limited trading authorization.
Otto & Associates is a fee‑only, family‑owned RIA with a three‑advisor team and the founder still involved; the firm does not accept commissions or sell financial products. It charges for an initial exploratory meeting, maintains account minimums (with discretion to waive), and makes available alternative billing arrangements (retainer and hourly), while also employing private alternative investments and tactical closed‑end fund strategies that are less common among peers of similar size.
Client services
Expertise
Fee options
Initial exploratory meeting fee: $1,500; Financial plan minimum fee: $3,000 (negotiable); Retirement plan minimum fee: $1,500 (generally not negotiable); Retainer services annual fee negotiable
$0 - $1,250,000: 1.0% $1,250,000 - $2,500,000: 0.5% $2,500,000+: 0.25%
$275 per hour for limited scope financial planning and follow-on implementation work beyond original plan
Annual retainer fee offered as alternative to asset-based fee; amount negotiable
Account minimum: $300,000 Minimum fee: $3,000 minimum annual fee, negotiable, charged if account below $300,000 Fee-only: Fee-only; no commissions accepted
Main office
16 Beaver Meadow Road
Norwich VT 05055
Advisors at this office
3
Most active in
California · Florida · Massachusetts · New Hampshire · New York · North Carolina · Texas · Vermont
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Susan G
CFP®
Norwich, VT
Otto & Associates, Inc.
Susan Goodell is a CFP® professional with 12 years of experience, currently serving at Otto & Associates, Inc. in Norwich, VT, where she has worked since 2009. Otto & Associates serves individuals, families, charitable organizations, trusts, estates, retirement plans, and small businesses, providing comprehensive financial planning and investment management. The firm employs a fee-only model focused on asset allocation and fundamental analysis, utilizing no-load mutual funds, ETFs, and selective alternative investments.
Deborah M
CFP®
Norwich, VT
Otto & Associates, Inc.
Deborah Maher is a CERTIFIED FINANCIAL PLANNER™ at Otto & Associates, Inc. in Norwich, VT, with five years of industry experience. She has been affiliated with Otto & Associates since 1997. Otto & Associates, Inc. provides personalized financial planning and discretionary investment management primarily to individuals and families, as well as charitable organizations, trusts, estates, pension and profit-sharing plans, and small businesses. The firm manages approximately $286.6 million for about 155 clients, focusing on strategic asset allocation and using no-load mutual funds and ETFs with both fundamental and selective technical analysis.
David O
CFP®
Norwich, VT
Otto & Associates, Inc.
David Otto is a CFP® professional with 22 years of experience in the financial advisory industry. He has been with Otto & Associates, Inc. since 1985 and is based in Norwich, VT. Otto & Associates serves individuals, families, charitable organizations, trusts, estates, retirement plans, and small businesses by providing comprehensive financial planning and investment management. The firm employs a fee-only model focused on asset allocation and fundamental analysis, with core holdings in no-load mutual funds and ETFs, while incorporating private alternative investments and closed-end funds.
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