Josh Ottinger       

Josh founded 28Ten Group in 2026, having started in this industry back in 2018 as an advisor. He is guided by a deep commitment to helping clients navigate financial decisions with intention and confidence. With life insurance and annuity licenses, as well as his Series 65 registration, Josh brings disciplined experience and a steady, thoughtful approach to retirement planning.

Josh’s perspective was shaped by witnessing the significant impact that market downturns can have on families without a comprehensive plan. After seeing his parents navigate the challenges of the 2001 and 2008 financial crises, he chose to leave the corporate path to make an impact in the financial industry, and later build a firm focused on intentional, holistic financial planning.

Rather than relying on one-size-fits-all approaches, Josh develops comprehensive strategies that align each client’s resources with their long-term goals and values. He is known for his ability to bring clarity to complex situations and for the genuine care he extends to every family he serves.

Josh is married to his wife, Nicki, and is the father of two daughters, Grace and Charlotte. He resides in Fogelsville, Pennsylvania, where he is dedicated to building a meaningful legacy— not only for his own family, but for the families he has the privilege of advising. At 28Ten Group, he works to help clients make wise financial decisions that support the life they want to live and the impact they hope to leave.