John Pak


Otium Advisory Group

Financial Planner

John Pak


Otium Advisory Group

Financial Planner

As a fiduciary financial planner, you can rest assured that I am always working in your best interest. - John Pak, CFP®, RICP®

John Pak is a Los Angeles, CA financial advisor and investment manager. Otium Advisory Group specializes in financial planning, investment management, and retirement planning to help clients work towards their financial goals at all stages of life. John Pak is a fiduciary financial planner.

Although I was raised five blocks away from the fictional Mcdowell’s in Queens, New York (for those who are not familiar with the location and restaurant, you must see the movie ‘Coming to America’), I’ve been a resident of Southern California for the past 25 years.

I have been married to my better half, Jenny, for nearly a decade and together we enjoy the wide breadth of activities that Los Angeles offers: hiking in the San Gabriel mountains, exploring multicultural culinary options, and visiting world class museums.

My watershed moment dates back to 1997. My father, who was the sole bread winner, closed the family business that he had nurtured for 15 years. Like many first-generation immigrants, my parents were so focused on providing for their family in the immediate term that seeking money advice was not anywhere on their radar. So naturally, money management wasn’t on my radar as well. The terms – budgeting, investing, estate planning were hieroglyphics as far as we were concerned.

At the time, I was a sophomore in college and I had to make a difficult decision to leave school to help the family stay afloat. However, rather than drowning in self-pity or fear, I embraced the experience and it helped me understand what it’s like to be in a tough situation with limited resources and no one to lean on for financial guidance. At the age of 19, I vowed to be that someone, who can be looked upon as a reliable and trustworthy resource for those who need a fiscal shoulder to lean on.

Two years out of school, I had earned and saved enough money to go back and attain what I had started: a finance degree. I graduated with no debt.

Aside from my life long devotion to personal finance, my other passion point is teaching. You can find me presenting a retirement course at Fullerton College one day to conducting a pro-bono workshop at a Los Angeles Public Library the next day. I believe if I can teach you how to clearly define your financial goals/concerns and educate you on the available solutions, the probability of implementing and executing the plan is much higher.

It’s been quite a journey, from the moment my parents decided to leave behind their professional careers in Seoul, South Korea to start anew in a foreign country they hoped would give me abundant opportunities, to the present day starting my own firm, Otium AG. The dream of giving your child a better life is universal for all parents, regardless of race or ethnicity. And that’s the same sentiment I have for my clients – the end goal is to see you succeed.

John Pak's fiduciary obligation is governed by:

  • Certified Financial Planner (CFP)
  • National Association of Personal Financial Advisors (NAPFA)
  • XY Planning Network

“OTIUM” is Latin for leisure, spare time, holiday, or ease. This special stage allows you to do the things you want to do, not need to do - more time with family, traveling, or life passions. It is our goal to get you to there.

Looking back at 18 years of being in the financial advisory industry, the takeaway from my corporate experience working for banks, brokerage shops and wire-houses is this: Customers who need the most financial assistance do not receive the attention and guidance they deserve. Truth is, most Americans do not have an established investment portfolio, let alone a portfolio that meets the industry’s minimum asset balance threshold. The majority need help with cash flow management, debt management, and retirement planning, but these same customers end up encountering financial advisors who are in the business of managing existing wealth. Try getting the attention of a high quality financial advisor when you have nothing to invest.

Another observation – financial planning may lead to the recommendation of an investment or an insurance product, but attempting to lead with the products as a panacea for all problems or a one size fits all solution is a very common industry practice that I was not comfortable engaging in.

That’s why I started this firm. The majority need practical solutions and not all solutions require you to be wealthy right off the bat.

Learn Why Fiduciary Matters When Choosing a Financial Advisor:


  • Financial Planning
  • Retirement Planning
  • Investment Management
  • Business Planning
  • Estate Services
  • Education Planning

Ideal Clients

  • Retirees and Near Retirees
  • Young Families
  • Entrepreneurs & Business Owners
  • Medical Professionals
  • Military
  • Sudden Money Situations

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • No-Cost Initial Consultation
  • Hourly Fee
  • Monthly Retainer
  • % of Assets Under Management

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    John Pak is CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Retirement Income Certified Professional®
    John Pak is a Retirement Income Certified Professional® (RICP®)

    A professional designation for experienced financial advisors and investment managers who have passed coursework to become experts in retirement income planning. A Retirement Income Certified Professional® helps retirees and near-retirees develop and implement a plan for managing the financial assets they have accumulated for retirement and a set realistic budget to help meet life goals.

  • National Association of Personal Financial Advisors (NAPFA)
    John Pak is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Financial Planning Association
    John Pak is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

  • XY Planning Network
    John Pak is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact John Pak

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Office Locations:

  • 1620 South Bentley Ave # 203
    Los Angeles, CA 90025

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