FRP Financial



10616 E. Valleyway Avenue
Spokane Valley, WA 99206


(509) 327-9603 or (877) 531-1800


(509) 323-1395

At FRP Financial, we have been helping both individuals and businesses find and build appropriate insurance and financial strategies for over 25 years. Collectively the staff of FRP Financial has over 90 years of industry experience, and we dedicate ourselves to develop lasting relationships with our clients. We constantly strive to provide you with the highest levels of service and knowledge that you expect and need in today's ever changing world. One significant benefit of working with us is our ability to provide clear, easy to understand explanations of today's insurance and financial products and services. The personalized strategies that we provide will become a roadmap to working toward a more secure future for you and those who count on you.We’re looking forward to using our experience to show you what sets us apart.


Michael Otis

Investment Advisor Representative

With over 30 years’ experience in the financial services arena, Mike is very capable to help you create a solution to an insurance problem or develp a program to accomplish your financial goals.  His “Proverbial Catnip” is being presented with a problem, applying creative thinking to those problems, and developing solutions that you can be proud of.

Away from work, Mike is a judge for US Figure Skating, skates as an adult and teaches “Learn to Skate” classes for adults, older kids and individuals with special needs.  Mike also volunteers with Community Frameworks, an organization devoted to affordable housing solutions throughout the Northwest.

Mike enjoys anything around water – boating, kayaking and especially water skiing.  Longboarding is a new hobby for Mike, as well as bicycling and he is developing a new landscaping plan for the office. 

*Registrations: FINRA Series 6, 63 and 65

*Licenses: Life-Disability (Health) Producer


Joy Otis 

Executive Assistant

Joy is the President and Co-Owner of FRP Financial.  Her primary responsibilites include bookkeeping, claim-related problem solving, creative "think tanking", and delivering goodies to clients.  She is also the flow manager at the office, living by the latin words -Quo vadimus- where are we going, and then what are we doing to get there?  In this era of significant goverment oversight, she finds these questions both frustrating and comical.

In her spare time, Joy is a gym rat, loves bike riding and generally anything outdoors.  Her next big challenge is to learn to enjoy winter.  She is a long term member of Spokane Central Lions Club.  She is also on the District Board in charge of eye glass recycling for this area.


Jaclyn Brereton

Account Executive 

Jaclyn joined FRP Financial in 2015 to provide administrative support for Michael and Joy Otis with a focus on Employee Benefits.  With 15 years’ experience of providing quality customer service she genuinely enjoys helping people, which is part of why she has made such an excellent addition to the FRP Financial team.

Born and raised in Spokane Valley, a graduate of Eastern Washington University, she enjoys singing, West Coast Swing dancing, and getting out to the lake as much as possible.  When time allows, Jaclyn and her family volunteer at S.C.R.A.P.S., socializing, bathing and fostering dogs and cats.

*Licenses: Life-Disability (Health) Producer


Ellen Kelley Miller

Account Executive

Ellen Miller has over 24 years’ experience in the medical insurance and employee benefits business. She came to FRP Financial in the Fall of 2016.

She started with Char Clark & Associates in 1993, and there she got her Washington State  Life and Disability Insurance Producer’s License.  Over the years she has worked with both individual and Medicare clients as well as group clients in all aspects of their employee benefits.

Ellen was born and raised in North Spokane, and is a graduate of Spokane Community College.  She now lives in the Spokane Valley with her husband Chad.  In her spare time she enjoys playing softball and volleyball, making wine, and rooting for the Pittsburgh Steelers.

*Licenses: Life-Disability (Health) Producer