David Otto founded Otto & Associates in 1991. He is a CERTIFIED FINANCIAL PLANNERTM professional. David holds a Master of Divinity from Union Theological Seminary in NY and a Doctor of Ministry from Andover Newton Theological in Boston. He received his financial planning training through Pace University in NY. He is a member of The National Association of Personal Financial Advisors (NAPFA), a national professional association of Fee-Only financial planners, and has served on numerous boards over many years. He recently was on the Board of the Montshire Museum of Science, where he was Treasurer and Secretary and is currently on the Board of Twin Pines Housing, a low-income housing organization. In addition to directing pastoral counseling centers in the Poughkeepsie area from 1976 to 1991, David worked part-time in the 1980s with investment real estate and founded a corporation dedicated to real estate financing. He and his wife live in Shelburne, VT and have two adult daughters, one of whom has recently become President of O&A.