Your retirement, your family, your legacy — planned your way.
Fiduciary-minded retirement income, health coverage and estate planning for pre-retirees and families in 48 states.
Where would you like to start?
Planning for Retirement
Income that lasts, protecting what you've saved, Social Security timing, Medicare and health coverage.
Plan My RetirementProtecting Your Family & Estate
Wills, trusts, Lady Bird deeds, life insurance, long-term care and the conversations that make it easier for the people you love.
Protect My FamilyFederal, Postal & Railroad
FERS and CSRS, TSP, FEGLI, FEHB and PSHB, survivor elections and railroad retirement — a dedicated division built around your benefits.
Explore Federal BenefitsYou 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 RetirementEight parts of a complete plan
Every arm of your financial life, working together.
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.
I'm Mia Smith, MBA, FPWM, FRC, NSSA. 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 MiaTalk
A relaxed conversation about your goals, worries and what matters most. Bring whatever you'd like to look at.
Plan
A written strategy showing your income, taxes and coverage side by side, with options to compare.
Live
Put the plan in place and revisit it as life changes.
Run your own numbers
See your picture clearly, at your own pace, before you ever talk with an advisor.
See All CalculatorsA brain in every arm
The name comes from the Latin auctus — increase, abundance, prosperity — and from the octopus: adaptable, relationship-driven, with a brain in every arm. That's how we plan: every part of your financial life working together.
Let's talk about what you want your retirement to look like.
Serving clients virtually in 48 states. No pressure, no obligation.
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