Leave a legacy for my children and grandchildren
How a plan may helpRoth conversions where they fit, accounts set aside for grandchildren, and a revocable trust with clear directions.
Retirement & Estate Planning · 48 States
Clear answers for your retirement, your family and your legacy.
Fiduciary-minded retirement income, health coverage and estate planning for pre-retirees and families in 48 states.
Goals we plan around
Have a paycheck I can count on in retirement
How a plan may helpAn income plan that coordinates your pension, Social Security and savings, with options to compare.
Keep more of what I have built
How a plan may helpWithdrawals and conversions timed around tax brackets and Medicare premiums, alongside a CPA.
Stay covered until Medicare and beyond
How a plan may helpA side-by-side look at ACA, Medicare and federal or postal coverage, with the enrollment dates that matter.
Pass my home on without probate
How a plan may helpA Lady Bird deed where available, or a trust, prepared with a licensed attorney.
Make sure my spouse will be okay
How a plan may helpA review of survivor benefits, life insurance and long-term care, so the plan holds up for the one left behind.
Know when to claim Social Security
How a plan may helpClaiming ages compared alongside your pension, spousal benefits and taxes.
Have someone I trust speak for me
How a plan may helpPowers of attorney and health care directives, prepared with a licensed attorney.
Illustrative examples of common goals, not actual client results. We evaluate everything specific to each client's life and adjust the plan as that life changes.
Choose Your Path
Where would you like to start?
Planning for RetirementIncome that lasts, protecting what you've saved, Social Security timing, Medicare and health coverage.Protecting Your Family & EstateWills, trusts, Lady Bird deeds, life insurance, long-term care and the conversations that make it easier for the people you love.Federal, Postal & RailroadFERS and CSRS, TSP, FEGLI, FEHB and PSHB, survivor elections and railroad retirement, in a dedicated division built around your benefits.
Not sure yet?
Does where you are today match where you want to go?
See how your savings line up with your goals and the risk you're comfortable taking. Eleven questions, less than five minutes, and no cost.
An educational tool that does not guarantee any investment outcome. All investing involves risk, including possible loss of principal.
Special Retirement Groups
You kept others safe. Your retirement has its own rules.
Law enforcement officers, firefighters, air traffic controllers and military retirees each retire under their own rules: earlier eligibility, different pension formulas, mandatory retirement ages, and choices about how military service and civilian service fit together. Those differences can change when you retire, how much you receive and how your TSP and health coverage fit together.
Explore Special Group RetirementFederal law enforcementFirefightersAir traffic controllersMilitary retireesCapitol & Supreme Court policeNuclear materials couriersCustoms & border protection
What We Help With
Eight parts of a complete plan
Every arm of your financial life, working together.
$
Your MoneyRetirement income you can count on
%
Your TaxesKeeping more of what you've built
+
Your HealthMedicare, ACA and health coverage choices
⌂
Your Home & PropertyProtecting what you own
♡
Your Loved OnesLife insurance and long-term care
✦
Your BenefitsPensions, Social Security and employer benefits
✎
Your VoiceDocuments that speak for you
∞
Your LegacyEstate planning and Successor Education
Your Guide
You've worked hard for this. The next step deserves the same care.
Most people reach retirement with good savings and a pile of questions: when to claim Social Security, how to turn savings into a paycheck, what happens to health coverage, and how to make sure the people they love are looked after.
Whether you're five years out or already retired, you deserve a plan that fits your life, not a product someone needs to sell.
I'm Mia Smith. I built Octus Financial to give families clear answers and a written plan they understand, with a team of CFPs, CPAs and estate attorneys behind it.
Get to Know Mia
Licensed in 48 states
1
Talk
A relaxed conversation about your goals, worries and what matters most. Bring whatever you'd like to look at.
2
Plan
A written strategy showing your income, taxes and coverage side by side, with options to compare.
3
Live
Put the plan in place and revisit it as life changes.
Free Tools
Run your own numbers
See your picture clearly, at your own pace, before you ever talk with an advisor.
See All CalculatorsWhy Octus
A brain in every arm
auc·tus
OWK-toos · noun, Latin · from augēre, to increase
- growth, increase
- abundance, prosperity
- kin to auctor, which gave English the word author
oc·to·pus
OK-tuh-pus · noun · from Greek oktṓpous, eight-footed
- an eight-armed sea creature, famous for adapting
- most of its nerve cells sit in its arms, so each arm can sense and act
- at Octus: adaptable, relationship-driven
The principles of Octus Financial
I
Grow in knowledge
Education comes first, pointed toward what you want for your future.
II
Protect what you have built
A plan where every part of your financial life works together.
III
Fill the gaps while time remains
Finding what's missing in retirement while there's still room to act.
You remain the author of your health, wealth, and legacy.
Let's talk about what you want your retirement to look like.
Serving clients virtually in 48 states. No pressure, no obligation.
Schedule a ConversationOr call (321) 567-1958