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Speakers

Jim Otar

Unveiling the Retirement Myth

Advanced Retirement and Distribution Planning

 Solid Research for Realistic Solutions

Jim is a financial planner, a professional engineer, a chartist, a financial writer, and founder of retirementoptimizer.com. His past articles on retirement planning won the CFP Board Article Awards in 2001 and 2002.

Jim’s expertise stems from applying his engineering and technical analysis background to retirement planning. He is the author of “Unveiling the Retirement Myth” and “High Expectations and False Dreams”. He gives seminars and workshops in advanced retirement planning.

Instead of presenting a “forecast” of a client’s future financial picture based on your assumptions, the Otar Retirement Calculator presents an “aftcast” of a client’s potential outcomes that are based on actual market history.

  • – Advanced Retirement/Distribution Planning (1 hr, 90-minute, 2 hr, half-day sessions)

“Using your retirement program, I was able to create a retirement portfolio with an extremely high probability of success. I discovered that without annuitizing half of my retirement funds I had too high a chance of depleting my portfolio. Moreover, I learned using your FlexAA that a strategic allocation at all times produced a similar result. After using your program, I checked the result with three other retirement calculators–T Rowe Price, Vanguard, and McRetire from efficient solutions. All programs yielded a high probability of success. Your program is superior to all the rest. I am a grateful user who has benefited from your work.“

– Thanks EB, Professor Emeritus, Stanford University

“I wanted to send you a quick note and thank you for your research.  I cannot read enough of your articles, because it is making so much sense.  Not only am I learning from the articles, but they are linking together many of the thoughts that I haven’t connected before.”

“Thanks again for the great product.  I’ve wished for something like this for quite a while – a stand-alone product that’s simple to use and easy to explain to clients.  I’d pay a lot more than $30 for it!”

Jim’s Client List Includes…

  • 1st Global Capital Corp
  • Charles Schwab & Co.
  • John Hancock
  • Manulife
  • Merrill Retirement University
  • Metlife
  • Million Dollar Roundtable
  • PacLife
  • Prudential
  • Raymond James
  • Transamerica
Travels From:  Alabama
City: Toronto, Canada
$5,000 and Under

Biography

Keynote speaker Jim Otar’s unique expertise stems from applying his engineering and technical analysis back-ground to retirement planning. After spending several years in engineering and investing for his own account, he started his financial planning career in 1995.

Jim has authored several books, his most recent one is Unveiling the Retirement Myth – Advanced – Planning based on Market History.

Before that, he wrote High Expectations & False Dreams – One Hundred Years of Stock Market History Applied to Retirement Planning, where he first pointed out the devastating effects of the sequence of returns, market cycles, the luck factor and the time value of fluctuations.

His articles in Retirement Planning won him the prestigious CFP-Board Award for 2001. He won this award a second time in 2002 on the same subject – about market cycles and sequence of returns.

Presentations

A successful sustainable sales strategy must deliver frontline activities and routines that can be replicated time and time again. As a business grows, different challenges and opportunities demand different solutions – what worked a year ago might not be the best approach today. Crucially, you need to ensure that the steps you take today don’t themselves create additional problems for the future.

One-Hour Presentation:

  • Retirement Planning and Market History
  • Time Value of Fluctuations: The Luck Factor, Reverse-Dollar-Cost Averaging and Inflation
  • Warning Signals of Diminishing Luck
  • How to reduce/eliminate the negative effects of Time Value of Fluctuations
  • (One additional topic of your choice – see 90 minute and 2 hour presentations below)

Ninety-Minute Presentation:

Same as the one-hour presentation plus…

  • Designing Lifelong Income for Clients (Red, Green and Gray Zones)
  • Case Studies

Two-Hour Presentation:

Same as the ninety-minute presentation plus:

  • Optimum Asset Allocation and Rebalancing based on Time Value of Fluctuations
  • Flaws of Monte Carlo Simulations

Half-day:

  • Includes all topics of advanced retirement planning.

Instead of presenting a “forecast” of a client’s future financial picture based on your assumptions, the Otar Retirement Calculator presents an “aftcast” of a client’s potential outcomes that are based on actual market history.

Jim developed this model when he was writing his book, High Expectations and False Dreams – One Hundred Years of Market History Applied to Retirement Planning. His philosophy was very simple: Why guess? Why gamble? Why not use the actual, unadulterated historic market data?

Neither the standard retirement calculator, nor the Monte Carlo simulation can account for the Time Value of Fluctuations. The Otar Retirement Calculator does! The Otar Retirement Calculator is based on actual market data. There are no assumptions of average growth or inflation. It gives you a range of portfolio asset projections that enables you to plan realistically for your retirement.  When you enter your personal financial data, the model calculates asset values and cash flow streams as if you retired in each of the years since 1900. The actual historic market data is applied to your specific financial situation.

Asset Allocation Optimizer and Stress Test

All you have to do is click on the “Optimize” button and seconds later, it is all in front of you.  You don’t have to drop the names of Nobel Prize winners and explain mysterious concepts like “efficient frontier”. This optimization process will tell you exactly what the optimum equity/fixed income asset mix should be based on actual market history and your client’s own cash flow picture: Lowest probability of depletion, longest portfolio life, largest residual amount of money in the portfolio. All by one click!

Areas of expertise

  • Retirement Income Planning
  • Risk
  • Myths
  • Retireemnt Optimizer
  • Allocation
  • Distribution Planning
  • Retirement Planning & Market History
  • Time Value of Fluctuation
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