Wilkins Advisors, LLC

Wilkins Advisors is a fee-only independent investment adviser that works with private individuals, families, trusts, small businesses, retirement plans, and other business entities. The firm offers discretionary asset management and standalone financial planning and consulting services, covering topics such as budgeting, tax planning, retirement needs analysis, estate considerations, and occasional non‑financial management consulting for small businesses and non‑profits.

The firm describes an investment approach that blends value investing with passive core holdings (a core‑and‑satellite model), using fundamental analysis and modern portfolio theory to construct diversified portfolios; it invests across stocks, bonds, mutual funds, ETFs, REITs, and options and manages accounts under written Investment Policy Statements. Financial planning is offered on a fixed‑fee basis while asset management is charged as a percentage of assets (calculated daily); the brochure notes the firm does not charge performance‑based fees and operates as a fee‑only adviser.

Wilkins Advisors is notable for its very small scale—its brochure reports less than $1,000 of assets under management and a single‑advisor practice—yet it indicates the capacity to work with business and institutional account types and to provide reduced‑cost or pro bono planning and consulting for non‑profits. The firm’s principal maintains full‑time federal employment while operating the advisory business and is pursuing CFP certification; the brochure also discloses a prior bankruptcy petition following a divorce.