M. Collins Chia, MHA

Collins founded Opulence LD on the belief that people make better financial decisions when they understand their choices. He spends the first conversation listening, then explains the options in plain English, costs and trade-offs included.

He came to financial services from a career in healthcare operations and management, and holds a Master of Health Administration. That background shapes how he works: careful with details, clear about risk, and focused on the people a plan is meant to protect.

His work goes beyond indexed universal life. Depending on what a client needs, a plan may use term or permanent life insurance, annuities for retirement income, income protection, or simply a better use of the accounts a client already has.