Collins/Moody Financial Services, L.L.C.

Collins/Moody Financial Services, LLC provides investment advisory and portfolio management to individuals (including high‑net‑worth clients), nonprofit organizations, and pension and profit‑sharing plans, offering ongoing asset allocation, written investment policy statements, and retirement plan services. The firm manages roughly $41.8 million for about 45 clients and generally requires a $150,000 minimum account size.

The firm’s investment approach emphasizes long‑term asset allocation grounded in Modern Portfolio Theory and the use of passively managed, institutional‑class mutual funds, with written Investment Policy Statements and fundamental research informing recommendations. CMFS outsources trade execution and portfolio implementation to Savant Wealth Management while retaining responsibility for client objectives, monitoring, and periodic reviews.

CMFS is notable for its formal affiliations with an accounting firm and an insurance company: its advisory representatives are CPAs affiliated with the accounting firm and report spending approximately 90% of their time on accounting services and 10% on investment advice, and firm personnel are licensed insurance agents who may receive commissions on life, disability, and long‑term care products. The firm also discloses its oversight of outsourced providers (including Savant and custodians) and periodic due diligence regarding service providers’ use of artificial intelligence and machine‑learning tools.