Your Numbers. Your Goals.
Your Retirement.
Financial services that are tailored, not templated.
Ready to Take on Taxes?
Our top priority is helping you reduce tax impacts and liabilities, which are often your highest costs in retirement. We build strategies that not only help minimize your tax burden but also optimize your retirement income and wealth transfers in the long term. Our personalized planning also goes on to help you manage healthcare costs, create income, preserve assets and carry out your legacy.
Services to Move You Forward
Financial Planning
Retirement Income Planning
How will you turn your lifetime of savings, like your 401(k) or 403(b), into a reliable income stream that lasts through retirement? We design strategies so you can retire with income confidence, not “next check” uncertainty.
Personal Planning Services
Ready for life transitions? Whether it’s a job change, growing family or unexpected challenges, we can help guide you through every stage, providing support tailored to your personal goals.
Public Employee Retirement Planning
Are you making the most of your benefits as a public employee? From pension options to retirement timelines, we can help you maximize your retirement benefits and avoid costly mistakes.
Business Planning Services
Does your business have a plan for employee retirement, profit-sharing, succession and deferred compensation? We partner with business owners to create active strategies and transition planning when the time comes.
Social Security Claiming Strategies
Do you know when to start your Social Security benefits? Timing is key, but so are other factors. We can help you maximize your benefits and integrate them with your overall retirement goals.
Tax-Efficient Planning
Traditional and Roth IRAs
Which retirement account is right for you, and why? We help you to know the tax benefits and contribution limits of both traditional and Roth IRAs to make sure your retirement savings are optimized for your future.
Tax Efficiency Strategies
Could you be paying less in taxes on your investments and income? Our strategies are designed to minimize your tax liability, so more of your money can keep working toward your dreams. This is a major area we focus on at Collins & Associates.
College Planning
Are you on track to fund your child’s education? We offer guidance on 529 Plans, Coverdell accounts and other strategies designed to reduce the financial stress of college funding.
Charitable Giving Strategies
How can your generosity leave a lasting impact? We craft charitable giving plans that align with your values and optimize your tax advantages.
Investment Planning
Wealth Preservation Strategies
How are you protecting your wealth from unexpected risks and volatility? We design proactive strategies to help safeguard what you’ve built, so you can focus on living and not market-watching.
Professional Money Management
Are your investments working and doing what you want them to? Our professional money management services offer disciplined, research-driven strategies to help pursue your financial goals.
Risk Analysis and Management
Knowing your personal tolerance for risk is important. What would a setback mean for your financial future? With risk assessment, we help you identify potential vulnerabilities and measures to keep your plan on course.
Insurance & Estate Planning
Life Insurance
Is your policy truly protecting what matters most? Whether it’s term, indexed universal or whole life, we help you select coverage that meets your needs for both now and the future.
Disability Income Insurance
What would happen if you couldn’t work due to illness or injury? Our strategies can be designed to keep your paycheck and your goals on track, no matter what comes your way.
Long-Term Care Insurance
Have you thought about how you’ll pay for care if you can no longer live independently? We can help you evaluate long-term care insurance options to safeguard your assets.
Medicare Planning
Are you ready to make sense of your Medicare options? We’ll help you navigate your options, avoid common pitfalls and choose coverage that fits your health needs and budget.
Legacy Planning
What will you leave behind? We work with you to create a plan that passes on your values and your wealth, in a way that is thoughtful and reflects your wishes.
Frequently Asked Questions
We work with people who want clarity and are ready to build a real plan.
We primarily work with individuals and couples aged 55 and older who are nearing retirement or are already retired. Our clients are typically disciplined savers with at least $250,000 in investable assets. We proudly serve families, married couples and single individuals — including widows — who value a trusted relationship with their advisor.
We are not transactional. We build deep, long-term relationships and practice comprehensive, holistic financial planning. We look at everything from your tax returns to your family legacy goals to build a plan that is entirely unique to you.
We believe in the power of a handshake and a face-to-face conversation. We prioritize personal, in-person visits at our Martinsville office, where we can sit down together in a distraction-free environment.
Taxes are the largest expense many face in retirement, more often than healthcare or housing. We know that tax liabilities can be quite impactful to people, so we focus our work on developing personalized tax-efficient strategies, from optimizing withdrawals to leveraging tax-efficient investments. Our goal is to help you keep more of what you’ve earned, so your retirement savings last longer and support your lifestyle. Have you explored all the ways you could be reducing your retirement tax bill? We can help.
Healthcare is one of the largest expenses in retirement, second only to taxes for many retirees (which we also address in retirement). We actively integrate Medicare insurance planning and long-term care strategies into your overall financial plan. Our approach helps you manage healthcare costs effectively, protect your retirement savings and help make sure you receive the care you need.
It's Your Time.
Take the First Step.
We want to be the last financial advisor you’ll ever have. Contact Collins & Associates to schedule a first visit, get to know each other and begin building a long-term relationship.
