Personal finance, engineered for
business owners.
Ocho is a financial platform designed to help business owners like you manage your finances more effectively. Our platform includes financial education from leading money experts, and intuitive retirement plans, such as IRAs and Solo 401k.†
All of these features are included in one simple membership.
Set up your Ocho account in less than 10 min
Do you ever feel like you’re so busy working ON your business that it’s hard to find the time to focus on mastering your finances?
Maybe you’ve been thinking things like…
“I know that I need to setup my retirement and investment accounts but I’m worried that I’ll make a mistake and end up losing money or the process will take forever“
“I know I should be taking my finances more seriously, but I don’t even know where to start“
“I feel stuck, overwhelmed, and procrastinate because it feels like everyone else is MILES ahead of me when it comes to understanding money”
“It seems like there are so many strategies and tips that I SHOULD know but I don’t have the fancy accountants or lawyers to point me in the right direction”
Introducing: Ocho
Ocho is everything you need to build wealth as an entrepreneur, freelancer, consultant or independent business owner. Join today and unlock:
- Educational content and ALL Independent Money LIVE summit replays
Dive into our premium courses and summit replays on tax planning, investment strategies, business optimization, and more, led by industry-leading experts. - Access to Ocho’s Solo 401k and IRAs†
Explore retirement planning solutions tailor-made for entrepreneurs and business owners like you. - A custom financial plan and “Ask an Advisor” access◊
On the Pro plan, you’ll also receive a personalized financial plan and access to an advisor to help support you on your journey (launching end of May 2023). - No AUM fees with Ocho Advisors‡
Ocho Advisors charges zero fees on assets under management. Experience full transparency and keep more of your money working for you.
Ocho is an annual membership that includes:
Solo 401k
Ownership of an Ocho Solo 401k plan, contribute up to $66,000 for 2023, and invest in any asset class through your plan with tax-free compounding.
Education
Access to Ocho’s entire library of on-demand finance and business courses (including all summit replays). Plus, join in on our live webinars and AMAs with guest experts.
Ocho IRAs (Roth + Traditional) You’ll get immediate access to both accounts on any plan.†
Personalized Financial Plans Starting at the end of May, access a custom financial plan built by our financial advisors for your specific financial situation and goals (only available on our Professional Plan).◊
“Ask an Advisor”
Get advice from our team of financial experts (coming soon; only available on our Professional Plan).◊
Full Support
Onboarding, compliance, and tax-filing support. Get help from our world class support team any time you need assistance.
Instead of hoping you’re doing it right, we want to give you the tools and education to feel confident in your money-management skills.
Ocho is the ultimate hub for business owners looking to learn how to manage and grow their money without the overwhelm.
Money is a tool, and we’re going to show you how to use it to feel in control, less stressed about your finances, and learn new strategies to double down on the areas that are most important to you.
Ocho is for every business owner.
Tax optimization strategies based on business types and scenarios
What type of business to set up (LLC, S-Corp, C-Corp)
Trust and estate formation
The best ways to save and invest for retirement
Get access to our growing library of in-depth finance courses, taught by the world’s leading money experts and business founders.
Ocho continuously adds new trainings to our hub on a regular basis that you can watch on-demand anytime you’d like. Here’s a small taste of what’s inside.
Tax Planning: How to Prepare for the Big Exit
Mani goes through tax planning strategies to help you reduce the taxes you may have to pay when you make your big exit as a founder or startup employee with equity.
Who is this ideal for?
Startup owners, employees, investors
Instructor
Mani Mahadevan
Angel Investing 101
Learn how to be an angel investor and start with as little as $1000. Elizabeth will share how to pick companies, build your portfolio, create and maintain deal flow, and the biggest red flags and mistakes to avoid that most new angel investors make.
Who is this ideal for?
Business owners, investors
Instructor
Elizabeth Yin
Taxes & Accounting Foundations For Business Owners
Lorilyn Wilson, CPA, teach you how to properly set-up your business (from choosing the right business entity to creating a financial forecast) and the must-dos ALL business owners need to understand when it comes to preparing your taxes (including expenses, write-offs, and how-to lower your risk of being audited).
Who is this ideal for?
Business owners and startup founders
Instructor
Lorilyn Wilson
Mastering the Art of Credit Card Points + Miles
Unlock the full potential of credit card rewards with this comprehensive course on points and miles. Learn the essentials of optimizing your credit card usage, maximizing reward earnings, and strategically redeeming points for travel, experiences, and more. By the end of this course, you’ll have the knowledge and tools to transform your everyday spending into a world of opportunities.
Who is this ideal for?
All business owners
Instructor
Sebastian Fung (@AskSebby)
Start a Business to Sponsor Your US Visa
Embark on the journey of entrepreneurship while achieving your dream of living and working in the United States. By the end of the course, you’ll have the knowledge and tools needed to launch your business, sponsor your US visa, and build a successful future in the land of opportunity. Don’t let the complexities of immigration and entrepreneurship hold you back.
Who is this ideal for?
International business owners, founders
Instructor
Logan Ullyott
But it’s more than just training.
As part of your membership, you’ll also get access to…
Ocho Solo 401k
The most powerful retirement plan for business owners. Contribute up to $66,000 and invest in any asset class through your solo 401(k) plan.
Ocho Traditional IRA
A smart pre-tax account for individuals. Contribute and get a tax deduction up to $6,500 for 2023.†
Ocho Roth IRA
Our intuitive Roth IRA lets you invest up to $6,500 in post-tax income and enjoy tax-free withdrawals in retirement.†
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Ocho is your all-in-one platform.
View and manage all of your accounts, savings, and investments from one central dashboard.
Keep track of all your contributions, make investments using our integrated brokerage,† and get a detailed overview of your portfolio performance.
Join Ocho today!
Basic Plan ($299/year)
Ocho Solo 401k Plan
Ocho IRAs (Traditional + Roth)†
Security & compliance monitoring, full onboarding support and account administration assistance.
On-demand courses uploaded regularly on a variety of personal + business finance topics
Live events with financial guest experts, both workshops and AMA style conversations
Professional Plan ($499/year)
Ocho Solo 401k Plan
Ocho IRAs (Traditional + Roth)†
Security & compliance monitoring, full onboarding support and account administration assistance.
On-demand courses uploaded regularly on a variety of personal + business finance topics
Live events with financial guest experts, both workshops and AMA style conversations
Plus: Personalized financial plan (starting in May)◊
Plus: Access to “Ask an Advisor” (starting in May)◊
Ocho was started by entrepreneurs who understand how difficult it can be when you’re starting to learn how to operate, manage, and maximize your finances.
We’ve learned a lot of lessons the hard way, and now have access to incredible mentors and want to make learning about finances accessible.
Meet some of the founders
Jess Catorc
Co-founder
Jess Catorc, a co-founder at Ocho, is an award-winning brand strategist that has helped thousands of entrepreneurs and startups expand their reach and revenue online. Supporting entrepreneurs has been at the core of her mission and she’s seen that it’s often not the “idea” that makes or breaks a business but rather their understanding of finances. This inspired her to start creating content for business owners and joining Ocho to continue these efforts.
Ankur Nagpal
Founder
After selling his last startup, Teachable, Ankur learned a lot about money he didn’t know as a first-generation immigrant and entrepreneur, including tax & estate planning strategies. He began Tweeting about his learnings, and it resonated with so many entrepreneurs who were hungry for this information, but also found it difficult to access. This led him to start Ocho to make personal and business finance strategies attainable and accessible for everyone.
Ocho is created specifically FOR business owners, and all the training and platform were created with you in mind.
We know just how hard it is to find the information you need or find advice that’s specifically for business owners.
Not to mention, it’s a challenge in itself to sift through the information, translate overly complicated jargon, know what steps you need to take, or what your best option actually is for your situation.
Ocho will simplify money and allow you to use it to create the life you want because you’ll finally uncover and understand all the possibilities you had never considered before.
Questions before joining?
If you’re hungry to learn more about managing and growing your money as a business owner (even if you consider yourself “bad” with finances or get overwhelmed or confused), this is your community! We will be covering a wide variety of topics to help those that are just starting out build the foundations and more advanced content to help support you as you progress along your journey or for those that are ready to dive in.
Most of our content is currently tailored to the US financial system. However, there are topics that are and will be applicable no matter where you live in the world. As we have a 30-day refund, we encourage you to check out the content yourself and see if it’s the right fit for you!
Yes! You’ll have 30 days from joining the program to request a full refund, no questions asked.
Your membership will give you access to Ocho for one year and will renew annually after that. You will always be able to cancel before the next payment cycle.
As this is a new membership, one of the perks of joining early is that you’ll be able to request content, resources, and topics that you want to see most. We will regularly be chatting with members to make as many of those things possible!
Ocho Investment Advisors LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC), and uses bank-level security and state of the art encryption to keep your data and money safe. Brokerage and custody services are provided by DriveWealth LLC, a SEC registered broker-dealer and member FINRA/SIPC. SIPC, or the Securities Investor Protection Corporation, currently protects the securities and cash in your account up to $500,000 of which $250,000 may be in cash. SIPC does not protect against the market risks associated with investing. Investing in securities involves risk and there is always the potential of losing money. Asset allocation and diversification do not guarantee a profit or protect against a loss, and past performance is no guarantee of future results.
Additionally, like all 401(k) plans, your Ocho Solo 401(k) is set up as a retirement trust, with you appointed as the sole trustee and plan administrator. In the unlikely event that Ocho were to go out of business, your 401(k) and trust would remain in existence, and all funds would remain under your control. While Ocho helps set up your solo 401(k) plan, you remain the plan administrator and trustee at all times, and Ocho never has custody of your funds, meaning they are owned and titled by your 401(k) plan, not by Ocho. If Ocho were to close, you could choose to keep your money with DriveWealth (if you change to a new advisor) or transfer the assets to your bank account.
Apart from the flat annual subscription fee, Ocho does not charge any additional fees or hidden charges, and there are no fees on your assets under management (AUM) when using the optional integrated brokerage account through Ocho Advisors. You get all the premium features of Ocho for one all-inclusive price. While Ocho does not charge any additional fees apart from the flat annual fee, there may be fees charged by Drive Wealth, ETFs and funds you choose to invest in, and trading commissions. There may also be fees if you choose to invest through your solo 401(k) plan outside of the Ocho application. Ocho Advisory may also charge advisory fees at some point in the future, to future customers. Any changes to our fee structure will be communicated beforehand.
Shoot us an email at: support@ocho.com
No questions asked money-back guarantee
You can try out Ocho for 30 days and if you feel it isn’t right for you, we have a no questions asked refund policy.