CPA, AFC®
Otto
Cash Flow & Budget Architect · 9 years in household cash-flow engineering
Fees
Availability
Accepting new clients
Turn off and the calendar shows a waitlist instead of open times.
Profile bio
Toolkit
How Otto works
The tools this specialist runs, the plan templates they start from, and real examples of the work.
Otto's tools
Surplus engine
Computes monthly surplus, savings rate, fixed-cost ratio.
Emergency-fund runway
Computes months of cover and the gap to target.
Sinking-fund builder
Computes monthly set-aside per irregular expense.
Plan templates · 2026 figures
90-day cash flow plan
Surplus rebuild with a named amount per category and week.
Variable-income smoothing
For self-employed or commission income: base-pay yourself.
Case studies
Consultant with lumpy revenue
Situation: Income swung between $4k and $19k a month; savings stalled.
Work: Set a base draw at the 12-month 30th percentile and routed overflow to a buffer, then taxes.
Outcome: Six months of stable spending and a quarterly tax reserve that stopped the April shock.