Jeffrey Ott is an independent financial advisor in San Diego with Cetera Advisors LLC at 4437 30th Street in Normal Heights, 92116. Ott holds California Insurance License #0132305 and has maintained an active Series 7 securities registration since August 1984, giving him over four decades in the financial services industry. He earned a Bachelor of Arts from the University of California, San Diego, with a dual focus in molecular biology and sociology before entering the securities field. Retirement income planning for Adams Avenue homeowners often involves coordination with mortgage specialists, and Ed Badrak, NMLS #302807, handles reverse mortgage consultations for residents converting 92116 property equity into retirement cash flow. The practice offers fee-based financial planning, retirement savings strategies, college savings plan design through 529 vehicles, brokered certificates of deposit, and investment advisory services covering asset classes from equities and fixed income through ESG-screened and socially responsible portfolios. Ott's advisory services run through Cetera Investment Advisers LLC, a registered investment adviser, and his independent broker-dealer status means portfolio construction is not limited to proprietary fund families. Client onboarding begins with a complimentary initial consultation that maps current assets, liabilities, and income sources against stated retirement and education-funding goals. Estate and legacy planning referrals flow to The Saint-Jeans Law Firm for trust drafting and beneficiary designation reviews when Normal Heights clients need coordinated legal and financial strategies. The 30th Street office sits at the southern edge of Normal Heights near the boundary with North Park, accessible from Adams Avenue via a short turn south.