Financial Advisor Serving Women 55+ in Marco Island, FL
Marco Island retirement planning — local, fiduciary, no commissions — from a CFP® and Enrolled Agent with 25 years of experience.
CFP® Professional
CFP® Professional
Enrolled Agent
Fee-Only
Fiduciary
NAPFA Member
25 Years of Experience
Naples-Based, Serving Marco Island
It's Time for a Financial Advisor Who Actually Lives in Your World
Marco Island attracts women who've built serious wealth and want a retirement that reflects it. What many find is that their financial advisor is still in the city they left — or is a local generalist who isn't equipped for the complexity that comes with high-net-worth retirement planning for women navigating this chapter.
Purposeful Money is based in
Naples, roughly 20 miles from Marco Island, and works with Marco Island clients both in person and virtually. If you've been meaning to find an advisor who's closer to your life here — and who brings the credentials to match — this is worth a conversation.
Does Any of This Sound Familiar?
- Your financial advisor is still in the city you moved from. The relationship doesn't make sense anymore, but you haven't made the change.
- You have substantial assets and no clear withdrawal strategy — and you're not sure how much you're leaving on the table in taxes.
- Your investment accounts, retirement income, and tax returns have never been looked at together by the same person.
- You're a seasonal resident trying to manage finances across two states with no one coordinating the full picture.
- Your husband handled the finances. You're now responsible for decisions you've never had to make before, and you need someone patient, knowledgeable, and fully on your side.
If any of this is where you are, Purposeful Money was built for you.
What Women on Marco Island Need From a Retirement Plan
Marco Island is one of the most affluent retirement communities in Florida — and the planning here is rarely simple. Women arrive with layered asset structures: brokerage accounts, retirement plans, real estate, business proceeds, and often an estate that spans multiple states.
The financial decisions that matter most in this environment — when to draw down which accounts, how to sequence income to minimize taxes, how to handle a property sale or an inheritance — require someone who can see the full picture and act on it. That's not a job for an advisor and a separate accountant working independently. It's a job for someone who holds both credentials and does both things.
One Advisor. Your Retirement, Your Investments, Your Taxes.
I hold both the
CFP® designation and the Enrolled Agent credential — which means I'm qualified to build your retirement income strategy and handle your tax planning and preparation in the same relationship. For women on Marco Island with significant assets, that integration isn't a convenience. It's the difference between a retirement plan that works on paper and one that holds up in practice.
Retirement Income Planning
I help you build a drawdown strategy that accounts for Social Security timing, RMDs, Roth conversions, and the real cost of your life on Marco Island.
Investment Management
Your portfolio should reflect your income needs, your risk tolerance, and your timeline — not a model built for someone at a different stage of life.
Tax Planning and Preparation
Every planning recommendation I make is made with your tax picture in mind — because I'm also the one preparing your taxes. No gaps, no surprises.
Who Purposeful Money Is Built For
- Women age 55+, approaching retirement or already there
- Households with $1.5 million or more in investable assets
- Full-time Marco Island residents and seasonal residents splitting time between Florida and another state
- Women who've recently taken on sole responsibility for financial decisions and need a trusted starting point
- Anyone who wants retirement planning, investment management, and tax strategy handled in one relationship — by one advisor who's legally obligated to act in their best interest
As a
fee-only fiduciary, I earn no commissions — on anything. My only source of compensation is you, which means there's nothing in my incentive structure that points away from your best interest.
How We Work Together
Step 1:
Your Starting Point
We begin with a conversation about where you are, what's changed, and what's keeping you up at night. No pitch. No pressure. Just an honest look at your situation.
Step 2:
Your Full Retirement Picture
I review your income sources, investments, tax situation, cash flow, and long-term planning needs — then show you clearly where things stand and where the gaps are.
Step 3:
An Ongoing Planning Relationship
If we're a good fit, we work together over time — planning, investments, taxes, and life-event guidance, all coordinated in one place as your life on Marco Island evolves.
About Erin O'Brien — Fee-Only Financial Advisor Near Marco Island
- CFP® professional with 25 years of experience
- Enrolled Agent — qualified to prepare and advise on federal taxes
- Fee-only fiduciary — no commissions, no conflicts, legally obligated to act in your best interest
- NAPFA member and XY Planning Network member
- Based in Naples, serving Marco Island women in person and virtually
- Focused on women navigating retirement — including major life transitions
Ready for a Financial Advisor Who's Fully in Your Corner?
If you're a woman on Marco Island with serious assets and no one connecting your retirement plan, your investments, and your taxes — that gap is costing you. Let's talk about what a fee-only, fiduciary relationship looks like and whether Purposeful Money is the right fit.
Prefer to call? 800-520-9793
Questions Women Ask About Working With a Marco Island Financial Advisor
Do I need to be on Marco Island to work with you?
No. Purposeful Money works with Marco Island clients both in person and virtually. Many clients are seasonal residents who split their time between Florida and another state — the advisory model is built to accommodate that.
How far are you from Marco Island?
Purposeful Money is based in the Verona Walk community in Naples, roughly 20 miles from Marco Island. In-person meetings are available, and most ongoing advisory work happens virtually regardless of where a client is located.
Do you work with couples, or only women?
I specialize in helping women 55+ navigate retirement, and I often work with couples as part of that relationship. The planning focus is always on the woman as the primary client.
What's the minimum asset level to work with Purposeful Money?
Advisory relationships are generally best suited for households with $1.5 million or more in investable assets.
Who is a good fee-only fiduciary financial advisor near Marco Island, Florida?
Look for a fee-only fiduciary — someone legally obligated to act in your interest and compensated only by you, not by product commissions. Credentials like CFP® and Enrolled Agent signal the depth of planning and tax integration that high-net-worth retirees typically need. If you're a woman in or near retirement on Marco Island, I'd be glad to have that conversation.
Do you help women who are managing finances on their own for the first time?
Yes, and it's some of the most important work I do. Whether you've recently lost a spouse, gone through a divorce, or simply never been the one managing the finances, I'll help you understand where you stand, what you have, and what a plan forward looks like — without judgment and without rushing.
