OTTO × MUSEVEST PARTNERSHIP

Comprehensive Financial Planning Approach

Most financial advisors work backwards—they start with investment portfolios and hope your income can support them. That doesn't work for creators with volatile income.

We work forwards. We engineer your financial survival first, then layer in growth. This is what financial planning built for creators actually looks like.

Our Process

1. Intake

Today
Answer questions about your income, business, and goals. Otto auto-fills what we already know.

2. Plan

Within 7 days
We build your personalized strategy: runway targets, tax rules, cash deployment, guardrails.

3. Session

Week 2
Meet with your financial advisor. Review your plan, ask questions, finalize your implementation roadmap.

4. Support

Ongoing
Ongoing platform & dashboard access. Regular meetings with your financial advisor. One-time onboarding fee waived for all Otto Clients.

About MuseVest

We partnered with Otto AI technology LLC to build MuseVest after recognizing that content creators — one of the fastest-growing segments of self-employed professionals in the United States — lacked access to financial planning systems designed for their unique income reality. With extensive backgrounds in financial services and a deep understanding of the creator economy, we architected the MuseVest platform framework and the financial planning methodology at its core.

COMPREHENSIVE FINANCIAL PLANNING

What You'll Receive

Plan Creation + Onboarding + Ongoing Advisory Support

Special Offer: One-time onboarding fee waived for all Otto Clients

Here's How We Build Your Plan

We establish five core systems to protect your financial stability. Only after these are locked in do we layer in growth. This sequence prevents you from overcommitting to investments you can't maintain through income volatility.

PHASE 1: SURVIVAL SYSTEMS

These five systems establish financial stability and form the foundation for all other decisions.

SYSTEM 1

Runway Engineering

How many months can you survive?

Baseline runway calculation + stress-tested scenario (50-70% income drop)
Target runway goal based on your income volatility profile (6-18 months)
Monthly tracking dashboard to monitor progress

SYSTEM 2

Tax Buffer System

Never be blindsided by taxes again

Quarterly estimated tax calculations using blended rates
Segregated tax reserve account that auto-fills based on your income
Conservative reserve strategy (typically 30-35% of gross income)

SYSTEM 3

Liquidity Ladder

A blueprint for every dollar you earn

Six-tier account structure with clear allocation targets
Automated rules showing exactly where new income should be deployed
Rebalancing triggers to keep each tier funded

SYSTEM 4

Tax Optimization Framework

Entity structure + deduction strategy

Optimal entity structure analysis (sole prop vs. LLC vs. S-Corp)
Creator-specific deduction audit to identify missed deductions
Multi-state tax strategy if you operate across multiple jurisdictions

SYSTEM 5

Behavioral Guardrails

Spending rules so good months don't become regrets

Analysis of your spending patterns during high/low income months
Decision-making framework for major purchases
Personalized spending rules tied to your monthly revenue targets

PHASE 2: GROWTH & OPTIMIZATION

Once survival systems are locked in, we layer in growth strategies.

GROWTH 1

Retirement Planning

Tax-advantaged growth that fits your business

Optimal retirement account strategy (Solo 401k, SEP IRA, or Roth)
Annual contribution targets and deadlines
Tax-advantaged growth projections integrated with your runway

GROWTH 2

Cash Deployment Rules

When to invest, when to pay debt, when to hold

Debt paydown sequencing strategy that prioritizes high-interest debt
Investment timing rules so you only invest excess cash
Opportunity capital triggers telling you when you have enough cushion

GROWTH 3

Investment Allocation

Portfolios that work within your constraints

Risk-appropriate portfolio strategy that survives income drops
Asset allocation recommendations tailored to your volatility profile
Rebalancing rules that keep your portfolio on track

PHASE 3: IMPLEMENTATION

Your plan comes to life in your strategy session.

YOUR NEXT STEP

90-Minute Review & Implementation Session

Review your plan + finalize execution strategy

Comprehensive review of all five survival systems
Clarify cash deployment and investment allocation
Clear implementation timeline and next steps
Live walkthrough of account setup and automation
Evaluation for wealth management qualification

"This comprehensive financial planning service does not yet include the wealth management portion of MuseVest, as that will require a qualification review. Your comprehensive financial plan will help determine eligibility and provide guidance on wealth management options."

Select your plan and complete payment after reviewing your information

FOUNDATION

For Growing Creators

$349/month

Billed monthly

Target Income:

$100K-$250K

What's Included:

✓ Comprehensive Financial Plan
✓ Bi-Annual Plan Monitoring
✓ MuseVest Platform Dashboard
✓ Basic Creator Income Modeling
✓ Annual Tax Strategy Review
✓ Model Investment Portfolios
✓ Email + Scheduled Calls
✓ 2 Live Strategy Sessions/Year

⭐ RECOMMENDED

GROWTH

For Scaling Creators

$599/month

Billed monthly

Target Income:

$250K-$750K

Everything in Foundation, plus:

✓ Quarterly Plan Monitoring
✓ Advanced Creator Income Modeling
✓ Quarterly Tax Strategy Planning
✓ Personalized Investment Allocation
✓ Insurance Strategy
✓ Revenue Diversification Planning
✓ Priority Messaging + Calls
✓ 4 Live Strategy Sessions/Year

ELITE

For Established Creators

$999/month

Billed monthly

Target Income:

$750K-$2M+

Everything in Growth, plus:

✓ Monthly Plan Monitoring
✓ Comprehensive Creator Income Modeling
✓ Proactive Year-Round Tax Strategy
✓ Custom + Alternative Investments
✓ IP & Brand Valuation
✓ Estate & Legacy Planning
✓ Dedicated Advisor + Concierge
✓ Unlimited Strategy Sessions

Not ready for comprehensive planning?

Proceed directly to Wealth Advisory services

All plans include the one-time onboarding fee waiver for Otto Clients. Annual plans save 15% compared to monthly billing.

Section 1 of 812.5% Complete

Basic Information

Legal Name

Preferred Name / Creator Brand Name

Date of Birth

Age

Primary Residence Address

City, State, ZIP

Phone

Email

Best Time to Contact You

Relationship Status

Marital/Partnership Status

Single Married Domestic Partnership Divorced Widowed

Dependents

Number of children

Ages

Other dependents (parents, family members)

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Income Sources

For each income source, provide annual amount and payment frequency:

Platform ad revenue (YouTube, Spotify, etc.)

Brand partnerships/sponsorships

Affiliate marketing

Digital products (courses, templates, etc.)

Patreon / subscription revenue

Consulting / coaching

Speaking fees / workshops

Merchandise sales

Licensing / royalties

Other income (with specification)

Total Estimated Annual Income (auto-calculated)

Income Volatility Self-Assessment

Do you experience significant month-to-month income variation?

Very stable (±10%) Moderate (±25%) High (±50%) Extreme (>50%)

Do you have seasonal income concentration?

Yes, describe: No, income relatively consistent year-round

What % of your income comes from your single largest source/platform?

Note: >60% indicates high platform concentration risk

Have you experienced sudden income drops due to algorithm changes or platform policy shifts?

Yes, describe impact: No Not applicable

Section 4 of 850% Complete

Note: Plaid integration option for auto-population

Liquid Reserves & Banking

Primary Checking Account Balance

Savings Account(s) Balance

High-Yield Savings / Money Market

Emergency Fund Target

Total Liquid Reserves (auto-calculated)

Monthly Expenses

Fixed Expenses (rent/mortgage, insurance, utilities, subscriptions)

Variable Expenses (groceries, dining, entertainment, shopping)

Business Expenses (software, equipment, contractors, marketing)

Debt Payments (student loans, credit cards, car, personal loans)

Total Monthly Expenses (auto-calculated)

Current Runway (auto-calculated: months = liquid reserves ÷ monthly expenses)

Debt & Liabilities

For each debt type, provide balance, interest rate, and monthly payment:

Student Loans

Credit Card(s)

Auto Loan

Personal Loan

Business Debt

Other Debt

Total Debt (auto-calculated)

Investments & Retirement

Individual Brokerage Account

Traditional IRA

Roth IRA

Solo 401(k) / SEP IRA

Crypto / Alternative Investments

Real Estate (excluding primary residence)

Total Investment Assets (auto-calculated)

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By completing this intake, you acknowledge:

• The information I have provided is accurate and complete to the best of my knowledge.

• I understand MuseVest provides planning tools and coordinates with RIA partners for investment advice.

• MuseVest does NOT custody or hold my funds. All investments held at registered custodians through RIA partners.

• I authorize MuseVest to access my financial data via read-only integrations (Plaid, Otto) for analysis.

• I understand recommendations are based on my provided information and current circumstances.

• I will notify MuseVest of material changes to my financial situation, goals, or risk tolerance.

• I have received and reviewed MuseVest's Privacy Policy and Terms of Service.

I agree to the above terms

SECTION 1: PERSONAL INFORMATION

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Legal Name:Not provided Preferred Name:Not provided Date of Birth:Not provided Age:Not provided Address:Not provided City/State/ZIP:Not provided Phone:Not provided Email:Not provided Best Time to Contact:Not provided Marital Status:Not provided Number of Children:Not provided Children's Ages:Not provided Other Dependents:Not provided

SECTION 2: CREATOR BUSINESS & INCOME ANALYSIS

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Creator Categories:Not provided Content Niche:Not provided Years Active:Not provided YouTube Subscribers:Not provided Instagram Followers:Not provided TikTok Followers:Not provided Twitter Followers:Not provided Patreon Supporters:Not provided Other Platform:Not provided

SECTION 3: INCOME SOURCES & COMPOSITION

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Total Annual Income:Not provided Income Variation:Not provided Seasonal Income:Not provided Income Concentration:Not provided Algorithm Impact:Not provided

SECTION 4: CURRENT FINANCIAL SNAPSHOT

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Total Liquid Reserves:Not provided Current Runway:Not provided Total Monthly Expenses:Not provided Total Debt:Not provided Total Investments:Not provided

SECTION 5: TAX & BUSINESS STRUCTURE

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Business Entity:Not provided Quarterly Taxes:Not provided Effective Tax Rate:Not provided Tax Reserve:Not provided Tax Debt:Not provided Tax Professional:Not provided Multi-State Taxes:Not provided

SECTION 6: FINANCIAL GOALS & PRIORITIES

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Emergency Fund Target:Not provided Retirement Age Goal:Not provided Major Upcoming Expenses:Not provided Investment Time Horizon:Not provided Investment Experience:Not provided

SECTION 7: SPENDING & BEHAVIORAL PATTERNS

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High Income Spending:Not provided Low Income Behavior:Not provided Check Frequency:Not provided Budgeting Approach:Not provided Service Level Interest:Not provided Current Advisor:Not provided

SECTION 8: ACKNOWLEDGMENTS & CONSENT

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Terms Acknowledged:Not provided

I confirm this information is accurate

GROWTH TIER - ANNUAL

Comprehensive Financial Plan

$6,108

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Your Plan is Being Created

We'll have your comprehensive financial plan ready within 7 days. In the meantime, schedule your strategy session with our team.

Schedule Your Financial Plan Review

About MuseVest

We partnered with Otto AI technology LLC to build MuseVest after recognizing that content creators — one of the fastest-growing segments of self-employed professionals in the United States — lacked access to financial planning systems designed for their unique income reality. With extensive backgrounds in financial services and a deep understanding of the creator economy, we architected the MuseVest platform framework and the financial planning methodology at its core.