Strategy · Consulting · AI
OTB Solutions LLC is a strategy and consulting firm helping financial services leaders translate AI and technology investment into measurable revenue and growth — across distribution strategy, predictive analytics, and the operating models that turn ambition into outcomes.
Our Services
We help financial services leaders move from AI experimentation to AI as a P&L lever. Roadmaps, investment cases, capability mapping, and prioritization — all anchored to specific revenue, retention, and efficiency outcomes.
Roadmap & Investment StrategyAdvisory and architecture for predictive modeling across investing, life insurance, and annuities — suitability, next-best-action, retention, and cross-product signaling. Designed to integrate with existing systems and clear compliance review.
Cross-Product PredictiveGA framework design, model office build-out, three-phase AI rollouts, and distributor onboarding strategy for carriers and large agencies. Boardroom-register strategy that translates into field-ready execution plans.
Carrier & DistributorThe bridge between strategy and execution: agent enablement, lead qualification systems, GTM playbooks, and the field tooling that determines whether a strategy actually moves the number.
Strategy → ExecutionOur Approach
We start with the metrics that matter — distribution productivity, conversion, retention, product mix, persistency. AI and technology choices follow from there, not the other way around.
Regulatory-first design across ERISA, ACA, suitability, TCPA, and state-level nuance. We build strategies that ship to the field without unraveling under compliance review.
We don't hand off slides and walk away. When the strategy needs an operating model, an enablement system, or a working tool, we build it — so the strategy actually lands.
Selected Engagements
Strategy and architecture work for a unified predictive analytics capability spanning three of the most consequential financial product lines — surfacing client-fit signals, suitability inputs, and next-best-action recommendations for advisors operating across investing, life, and annuity portfolios.
Executive-register strategy work — AI Pilots → Model Office → Full GA — for a major supplemental benefits carrier. Distribution architecture, capability sequencing, governance design, and the field-readiness work that determines whether the framework actually scales.
Full strategy stack for entering the ICHRA market — segmentation, lead qualification design, agent-enablement model, white-label distribution path, and the production AI tools that brought it to market. Live at ichra.solutionotb.com.
End-to-end go-to-market and regulatory pathway work — state licensing, distributor onboarding, logistics, payment terms, and reporting cadence — wrapped into a single operator playbook. The kind of operating-model work that separates strategy from theater.
Tools We've Built
When an engagement needs more than a roadmap — when it needs a production tool that ships to the field — we build it ourselves. These are a few of the platforms our consulting work has produced.
A six-question employer assessment that qualifies ICHRA leads, scores fit, and delivers personalized results — powered by BenefitIQ AI.
Explore Tool →A guided AI chat experience that helps employers model ICHRA contribution strategies using real 2025 benchmark data — no census required.
Try Calculator →A multi-tenant SaaS platform giving agents their own branded assessment URLs, lead dashboards, and client tracking — coming Q3 2026.
Coming SoonAbout OTB
OTB Solutions LLC sits at the intersection of AI, technology strategy, and financial services distribution. We're a strategy and consulting firm — not a generic AI shop, not a pure tech vendor.
We help carriers, distributors, and financial services leaders align AI and technology investments to the metrics that move the business: revenue, retention, distribution productivity, and growth. Our practice spans AI strategy, predictive analytics across investing, life, and annuities, GA distribution frameworks, and the operating-model work that makes any of it real.
OTB stands for Outside The Box — solving old problems in financial services with sharper thinking, not bolted-on AI window dressing.
Get in Touch
Whether you're framing an AI strategy at the board level, redesigning distribution, or trying to translate a roadmap into something the field can actually use — we'd like to talk.