Timothy Roberts & Associates, LLC

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Timothy Roberts & Associates, LLC Timothy Roberts & Associates, LLC is a premier wealth management and financial planning firm in Ann Arbor, MI, serving Michigan and all 50 states.

Timothy Roberts & Associates provides tax-aware wealth management, retirement planning, investment management, and proactive tax planning strategies to help individuals, families, retirees, and business owners grow, protect, and preserve wealth. We specialize in comprehensive retirement income strategies, helping clients transition from saving to sustainable income with confidence. Our proactive approach integrates investment management with expert tax advising to minimize liabilities and protect your long-term legacy. As a Fiduciary Standards firm, we offer personalized retirement planning, 401(k) rollovers, and estate strategies tailored to your unique goals. Whether you are navigating a career change or entering retirement, our team provides the clarity and expertise needed for financial independence. Schedule a consultation today.

Think taking care of your federal taxes means your state obligations are automatically covered? If you receive uneven in...
10/11/2026

Think taking care of your federal taxes means your state obligations are automatically covered? If you receive uneven income from investments, a business, or retirement withdrawals, owing as little as $500 to the state of Michigan can trigger unexpected estimated payment requirements. The real catch isn't just how much you make, but a subtle timing rule that catches countless taxpayers completely off guard.

đź“– Read more: https://timothyrobertsllc.com/michigan-estimated-tax-payments-a-2026-guide-to-rules-due-dates-and-planning/

Most people believe the biggest threat to their hard-earned wealth is a sudden market crash or an unexpected tax hike. I...
10/10/2026

Most people believe the biggest threat to their hard-earned wealth is a sudden market crash or an unexpected tax hike. In reality, the greatest financial risk is far quieter: making smart individual money decisions in isolation without realizing how they undermine each other behind the scenes. Truly protecting your future means connecting the dots between your taxes, investments, and legacy in ways most conventional plans overlook.

đź“– Read more: https://timothyrobertsllc.com/wealth-preservation-planning-a-strategic-guide-for-2026/

You can spend decades diligently growing your savings, but a healthy account balance doesn’t automatically mean your ret...
10/09/2026

You can spend decades diligently growing your savings, but a healthy account balance doesn’t automatically mean your retirement income is secure. Most people manage their investments, taxes, and daily spending in total silos, completely missing how a single choice in one area quietly impacts the others. Connecting those moving parts often reveals surprising gaps—and opportunities—you never even knew were there.

đź“– Read more: https://timothyrobertsllc.com/private-retirement-planning-build-a-more-confident-retirement-strategy/

Did you know a move that looks tax-smart on paper could quietly trigger higher Medicare premiums or increase the taxes o...
10/08/2026

Did you know a move that looks tax-smart on paper could quietly trigger higher Medicare premiums or increase the taxes on your Social Security? Many retirees rush into year-end withdrawals or Roth conversions as isolated decisions, without realizing the costly ripple effects they create across an entire financial plan. Making the right choices before the calendar flips requires seeing how every piece connects—and the smartest move for your wallet might not be the obvious one.

đź“– Read more: https://timothyrobertsllc.com/year-end-retirement-income-optimization-strategies-for-2026/

If thinking about your financial future keeps you up at night, you might be focusing on the wrong things. Real confidenc...
10/07/2026

If thinking about your financial future keeps you up at night, you might be focusing on the wrong things. Real confidence doesn’t come from trying to predict the markets or waiting for absolute certainty—it starts by zeroing in on what you can actually influence right now. The secret isn't having every single answer figured out, but knowing how a few simple perspective shifts can quietly turn an overwhelming list of unknowns into total clarity.

đź“– Read more: https://timothyrobertsllc.com/financial-planning-to-reduce-anxiety-about-the-future/

Most people assume retirement planning is simply about picking the right investments, but that is only half the battle. ...
10/06/2026

Most people assume retirement planning is simply about picking the right investments, but that is only half the battle. The real challenge is connecting your taxes, daily income, and long-term risk into one unified strategy that supports the lifestyle you actually want. Before you trust someone with your nest egg, knowing a few key questions to ask can reveal whether they are truly the right partner for your future.

đź“– Read more: https://timothyrobertsllc.com/retirement-planner-how-to-find-the-right-fit-for-your-financial-goals/

Bringing up the idea of hiring a financial advisor can easily feel like an accidental judgment on your spouse’s past mon...
10/05/2026

Bringing up the idea of hiring a financial advisor can easily feel like an accidental judgment on your spouse’s past money choices. The secret to getting on the same page isn't giving a high-pressure sales pitch, but focusing on shared goals while openly welcoming their hesitations about fees and trust. Shifting the focus from fixing past mistakes to building what's next completely changes the dynamic, and there is a surprisingly gentle way to start the conversation without sparking defensive walls.

đź“– Read more: https://timothyrobertsllc.com/talking-to-your-spouse-about-a-financial-advisor/

What if a sudden market drop right after you retire doesn't actually have to derail your lifestyle? Most people focus en...
10/04/2026

What if a sudden market drop right after you retire doesn't actually have to derail your lifestyle?

Most people focus entirely on picking the right stocks, but the real secret to surviving a downturn comes down to how your withdrawals and cash reserves work together behind the scenes. In fact, relying on traditional "safe" bets like dividend income might leave your nest egg far more exposed than you realize.

đź“– Read more: https://timothyrobertsllc.com/building-a-resilient-investment-portfolio-for-retirement-in-2026/

When the market takes a sudden dive, hitting the sell button often feels like an instant wave of relief. But reacting to...
10/03/2026

When the market takes a sudden dive, hitting the sell button often feels like an instant wave of relief. But reacting to that panic—or chasing the excitement of a fast-rising trend—is usually what quietly derails long-term wealth. The secret to protecting your portfolio isn't ignoring your emotions, but knowing how to pause and ask one critical question before you make your next move.

đź“– Read more: https://timothyrobertsllc.com/how-to-stop-making-emotional-investment-decisions-a-practical-guide/

When you hear the phrase “commission-free,” it’s easy to assume your financial advice comes at no cost—but that label ra...
10/02/2026

When you hear the phrase “commission-free,” it’s easy to assume your financial advice comes at no cost—but that label rarely tells the whole story. There is a massive difference between an investment product that carries no trading fee and the ongoing costs you pay an advisor for their guidance.

Uncovering who really compensates your advisor, and what incentives are hidden behind their recommendations, might completely change how you approach your retirement plan.

đź“– Read more: https://timothyrobertsllc.com/commission-free-advisory-what-investors-should-know-in-2026/

Address

2750 Carpenter Road Suite 7
Ann Arbor, MI
48108

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 4pm
Friday 8am - 6pm

Telephone

+18003906227

Website

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