# John Pak > John Pak is a fee-only financial advisor at Otium Advisory Group in El Segundo, California, who holds the BA, CFP and EA credentials. John charges a flat fee or retainer, hourly fees and a one-time planning fee (one-time plans from $1,000 and $300 an hour) and focuses on retirement planning, tax planning and flat-fee planning. Page: https://find.wellspent.co/advisors/john-pak/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Otium Advisory Group - **Based in:** El Segundo, California - **Fee model:** Flat fee or retainer; Hourly; One-time planning fee - **Fees (firm's website):** one-time plans from $1,000; $300 an hour; no asset minimum - **Works virtually:** Yes (firm's website) - **Accepting new clients:** Yes (firm's website) - **Assets under management (firm):** $18.8M across 25 accounts - **Credentials:** BA, CFP, EA, MST, RICP - **Specialties:** Retirement planning, Tax planning, Flat-fee planning - **Works with:** Pre-retirees, Early-career professionals - **CRD:** 5830830 (https://adviserinfo.sec.gov/individual/summary/5830830) - **SEC registration:** Investment adviser representative in CA - **Exams passed:** Series 63 (2010), Series 66 (2011) - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** http://otiumag.com ## Frequently asked questions ### Is John Pak a fee-only financial advisor? Yes. John Pak is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by John's firm. ### How does John charge for financial advice? John charges a flat fee or retainer, hourly fees and a one-time planning fee. ### How much does John charge? According to Otium Advisory Group's website, checked October 28, 2026: one-time plans from $1,000; $300 an hour; no asset minimum. ### Does John work with clients virtually? Yes. Otium Advisory Group says on its website that it works with clients remotely. ### Where is John Pak based? John Pak is based in El Segundo, California. ### What does John specialize in? John's specialties include retirement planning, tax planning and flat-fee planning. John works with pre-retirees and early-career professionals. ### What credentials does John Pak hold? John Pak holds the BA, CFP, EA, MST and RICP credentials. ### Is John Pak registered with the SEC? Yes. John Pak is registered as an investment adviser representative in CA (CRD 5830830), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How much does Otium Advisory Group manage? Otium Advisory Group reports $18.8M across 25 accounts in assets under management. ### How do I contact John Pak? Through John's website, otiumag.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/39091): NAPFA admits only fee-only advisors - XY Planning Network directory listing: XYPN members are fee-only - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://otiumag.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.