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Timothy Roberts & Associates, LLC

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Ann Arbor, MI
Timothy Roberts & Associates, LLC

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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.

10/29/2026

If you earn money from a hospital, consulting, locum tenens work, or your own practice, treating each income stream separately could lead to costly tax-planning mistakes. One surprising wrinkle: contributions to employer and self-employed retirement plans can interact, so maxing out one account may affect what you can put into another. The key is coordinating income, expenses, and savings before tax season—but which choices deserve a closer look?

📖 Read more: https://timothyrobertsllc.com/tax-strategies-for-doctors-with-multiple-income-sources/

10/28/2026

A recession-ready financial plan isn’t about predicting the next downturn—it’s about knowing what you can rely on if income drops or expenses rise. A useful first step is to calculate how many months your accessible savings could cover essential costs, then review your insurance and investments before reacting to market headlines. Which parts of your financial safety net might need attention?

📖 Read more: https://timothyrobertsllc.com/financial-checklist-for-preparing-for-a-recession-in-2026/

10/27/2026

Blended-family finances involve more than deciding who gets what. Stepchildren may not inherit automatically under state law, and beneficiary designations can pass assets outside your will—so a plan that seems clear may not match your intentions. From coordinating estate documents and taxes to setting expectations for adult children’s support, a few thoughtful conversations can make a big difference. Which decision is easiest to overlook?

📖 Read more: https://timothyrobertsllc.com/4-decisions-when-creating-a-financial-plan-for-a-blended-family/

10/26/2026

A market drop right after you invest can feel like a sign you got it wrong—but it doesn’t automatically mean your strategy needs to change. One practical way to build confidence is to spend just 10 minutes a week learning about a single investing concept, then connect it to your goals, timeline, and comfort with risk. Before reacting to the next market dip, there’s one important question to revisit.

📖 Read more: https://timothyrobertsllc.com/how-to-build-confidence-in-your-investment-strategy/

10/25/2026

A thoughtful financial plan isn’t just about money—it can help your family find essential records and understand your wishes when they need them most. Yet about 1 in 5 retirees haven’t considered how they might pay for long-term care. A few practical steps can make your plans clearer and future conversations easier—but what should you organize first?

📖 Read more: https://timothyrobertsllc.com/financial-planning-to-avoid-being-a-burden-on-family/

10/24/2026

Think the day you stop working is automatically the best time to start tapping your IRA? Many retirees treat every dollar in their savings the same, only to get hit with surprise tax bills and costly withdrawal penalties.

The order and timing of how you draw your funds can completely transform your long-term cash flow, yet most people overlook the critical steps that make all the difference.

📖 Read more: https://timothyrobertsllc.com/retirement-planning-mistakes-detroit-readers-can-avoid-when-deciding-when-to-use-ira-funds/

10/23/2026

You spent decades saving for retirement, so why does actually spending that money feel so terrifying? Nearly half of retirees admit that dipping into their hard-earned nest egg creates genuine anxiety, often causing them to spend far less than they comfortably could. Overcoming that dread isn’t about pinching pennies—it comes down to a simple shift in how you structure your income and cash reserves. The right strategy can quietly transform that constant financial worry into the confident freedom you actually worked so hard to achieve.

📖 Read more: https://timothyrobertsllc.com/overcoming-fear-of-running-out-of-money-in-retirement/

10/22/2026

Retiring at 55 sounds like the ultimate dream, but funding a 35-year retirement requires a completely different playbook than walking away at 65. Between a decade-long gap before Medicare kicks in and strict early-withdrawal rules, standard savings benchmarks simply won't cut it. However, specific IRS exceptions like the "Rule of 55" can help bridge that critical income divide without draining your nest egg early. Making that freedom truly last comes down to a few crucial moves most early retirees overlook.

📖 Read more: https://timothyrobertsllc.com/how-to-create-a-financial-plan-for-early-retirement-at-55/

10/21/2026

Most small business owners assume setting up a 401(k) means drowning in paperwork and hidden fees, but picking the wrong plan structure is usually what actually costs you. With employee contribution limits hitting $24,500, choosing the right setup can eliminate annual compliance headaches while maximizing massive tax perks for your team. The real surprise comes down to a few critical administrative trade-offs that most providers never bother to mention upfront.

📖 Read more: https://timothyrobertsllc.com/small-business-401k-plans-compare-fees-and-plan-types/

10/20/2026

Did you know that qualifying Michigan small businesses could legally slash their state Corporate Income Tax rate down to just 1.8%? While many owners focus entirely on standard federal write-offs, pairing the right state-level credits with strategic entity planning can completely transform your bottom line. The real question is whether your current structure and revenue numbers qualify to unlock those massive savings.

📖 Read more: https://timothyrobertsllc.com/small-business-tax-savings-in-ann-arbor-through-michigan-credits/

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

http://www.timothyrobertsllc.com/?utm_source=gbp

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