Financial Planner Serving All of Collier County, FL

Retirement planning rooted in Collier County — fee-only, fiduciary, and built around the life you're actually living here.

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CFP® Professional

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CFP® Professional

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Enrolled Agent

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Fee-Only

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Fiduciary

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NAPFA Member

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25 Years of Experience

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Based in Collier County, FL

Serving Women and Couples Across Collier County

Purposeful Money is based in the Verona Walk community in Naples — and works with women and couples across all of Collier County, including Naples, Marco Island, Bonita Springs, Golden Gate, Lely Resort, Ave Maria, Immokalee, and the communities further east.


If you've had trouble finding a financial planner who actually knows Collier County, you're in the right place.

Does Any of This Sound Familiar?

  • You have significant assets but no coordinated retirement plan — and you're hoping it works out.
  • Your accountant handles your taxes and your broker manages your money, but nobody is looking at the full picture.
  • You're not sure your income will actually last through retirement in Collier County.
  • You've talked to advisors who wanted to sell you something. You want someone who's just on your side.
  • You're navigating a major transition — a divorce, a loss, a sale — and you need guidance that goes beyond the numbers.


If any of this sounds like where you are right now, Purposeful Money was built for you.

What Retirement Planning in Collier County Actually Requires

Collier County has one of the highest concentrations of retirees in Florida. Property values here are substantial, the cost of living is real, and many households have assets spread across investment accounts, real estate, and retirement plans that need to work together — not in parallel.



Seasonal residents face an additional layer: managing income and taxes across two states, coordinating timing on Social Security and withdrawals, and making sure a plan built in one place still holds up in the other.


A good retirement plan for Collier County isn't a generic template. It accounts for where you live, how you live, and what it actually costs to stay here on your terms.

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One Advisor. Your Whole Retirement Picture.

Most Collier County households with substantial assets have a broker and an accountant. What they often don't have is someone connecting those two sides of the picture — and that gap is where retirement gets expensive and stressful.


I hold both the CFP® designation and the Enrolled Agent credential, which means I'm qualified to manage your investments and handle your tax planning and preparation in the same relationship. No handoffs. No gaps. No version of your financial life that your advisor hasn't seen.

Retirement Income Planning

I help you turn savings into reliable income — accounting for Social Security timing, RMDs, Roth conversions, and the real cost of retirement in Collier County.

Investment Management

Your portfolio should reflect your income needs, your risk comfort, and your timeline — not a model built for someone else's life.

Tax Planning and Preparation

From capital gains to withdrawal sequencing to estate coordination, every recommendation I make is made with your tax picture in mind — because I'm also the one doing your taxes.

Who Purposeful Money Is Built For

  • Women and couples age 55+, approaching retirement or already there
  • Households with $1.5 million or more in investable assets
  • Anyone living in Collier County — Naples, Marco Island, Bonita Springs, Lely Resort, Golden Gate, Ave Maria, and surrounding communities
  • Seasonal residents managing income and taxes across two states
  • People who want retirement planning, investment management, and tax strategy in one coordinated relationship — not three separate conversations


As a fee-only fiduciary, I earn no commissions on anything. My compensation comes directly from you, which means my advice is never shaped by what earns me the most. That's not a marketing line — it's a legal obligation.

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How We Work Together

Step 1:

Your Starting Point

We start with a conversation about where you are, what's changing, and what you're most uncertain about. No pitch. No pressure.

Step 2:

Your Full Retirement Picture

I review your income sources, investments, tax situation, cash flow, and long-term needs — then show you clearly where things stand and where gaps exist.

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, all in one place, as your life in Collier County evolves.

About Erin O'Brien — Your Collier County Financial Planner

  • 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 Verona Walk, Naples — serving clients across all of Collier County and virtually nationwide
  • Focused on women and couples navigating retirement


Women across Collier County have come to Purposeful Money uncertain about whether their money would last — and left with a plan they could trust and a retirement they could actually look forward to.

Ready to Build a Retirement Plan That Works for Your Life in Collier County?

You've worked hard to get here. A fee-only fiduciary who knows Collier County, holds both CFP® and Enrolled Agent credentials, and handles your investments and taxes in one relationship isn't easy to find — but that's exactly what Purposeful Money offers.

Questions About Working With a Collier County Financial Planner

  • Do I need to live in Naples to work with Purposeful Money?

    No. Purposeful Money serves clients across all of Collier County — including Marco Island, Bonita Springs, Lely Resort, Golden Gate, Ave Maria, and communities further east. Erin is also available virtually for clients nationwide.

  • What makes a fee-only fiduciary different from a typical financial advisor?

    A fee-only fiduciary earns no commissions — on any product, ever. Compensation comes directly from the client, which means advice is never influenced by what earns the advisor the most. Fiduciaries are also legally obligated to act in your best interest, not just recommend something that qualifies as "suitable."

  • Do you prepare taxes for Collier County clients?

    Yes. As an Enrolled Agent, Erin is qualified to prepare federal taxes and advise on tax strategy — which is what allows retirement income planning and tax planning to happen in the same relationship, with no gaps between them.

  • Who is the best financial planner in Collier County, Florida?

    The right financial planner for retirement is a fee-only fiduciary with credentials that go beyond a standard license — ideally someone who can integrate investment management and tax strategy, and who specializes in the kind of planning you actually need. If you're a woman or couple approaching or living in retirement in Collier County, I'd be glad to have that conversation.

  • Do you work with seasonal residents in Collier County?

    Yes. Seasonal residents who split time between Florida and another state have specific planning needs — multi-state tax coordination, income timing, and Social Security strategy that accounts for both residencies. That's planning Purposeful Money is built for.