Pavlov & Associates, CPA, P.C.
          Certified Public Accountant and Advisors
About Us

We are committed to providing you with the best possible financial services possible. We use the latest technologies including top of the line tax software and can use e-file to get your tax refunds processed quickly and easily.

David Pavlov

David Pavlov grew up in Bronson, MI. He then attended Albion College for his undergraduate degree. He attained his Master's Degree in Business Administration at Central Michigan University. During his many years of experience, he has held  various positions in finance, tax and accounting. During full time employment over the past 15 years, he has helped his father grow his business by working with him during tax time and building his relationships with the clients over this time frame. His career had steady upward trend toward management and led him to become Director of Finance of Talk America, Inc., a large national telecommunication company. Next, he left to pursue a Directorship at Jefferson Wells, International, which is the Executive division of Manpower Inc. He managed several internal audit, finance and strategic accounting initiatives and provided consulting services to large, publicly held companies, such as General Motors, Daimler Chrysler and Detroit Edison in Detroit, Michigan. David now is enjoying self-employment by helping our local community needs in accounting, tax, audit and consulting.

 Andrea Pavlov

Andrea Pavlov, has been a Certified Public Accountant since 1999. Andrea grew up in Davison, Michigan just outside of Flint, Michigan. She moved to Tampa, Florida during high school, which is where she graduated. She then returned to Michigan to pursue college. Andrea attended Oakland University in Rochester, Michigan and she has a BA in Accountancy. Her background consists largely of public accounting at small and large accounting firms. Most notably, she was Senior Tax Staff at Deloitte & Touche in Detroit. She also has audit staff and experience as a Senior Financial Analyst on the Controller's Staff  at Delphi Corporation, in the Financial Reporting area, as well as consulting at Jefferson Wells, International, where she provided internal audit and finance service to large clients thought out Detroit. In addition, Andrea also worked for Borgess Health in her capacity as Internal Audit Manager. Andrea has also built relationships with Branch county clients, she served in her capacity of assisting each tax season with her  husband.


Andrea Pavlov -

David Pavlov -


Account Managers

Robert (Bob) Pavlov -

Jon Hirschy -                                       

Larry Huepenbecker -

Steven Rutz

Ginny Webb


Accounting Support          
Carrie Covey-


Nella Giannandrea -

Our team enjoys working with clients in Branch County and are excited at the opportunity to serve the need of the clients in Coldwater with the opening of the new office it the former Education Station location downtown Coldwater.

Pavlov & Associates

42 West Chicago Street
Coldwater, MI 49036
(517) 924.0700
FAX (517) 924.0702

845 Burr Oak Rd
Bronson, MI 49028

(517) 369-3815


Andrea and Dave Pavlov opened Pavlov & Associates, CPA’s, P.C. at 42 W. Chicago, Coldwater, on Jan. 28.

The Pavlov name is no stranger to Branch County since B&L Associates of Branch County, LLC, now named Pavlov and Associates Group, LLC, formerly owned by Dave’s father, Robert Pavlov, has had offices in Bronson for over 35 years. Last year, Dave and Andrea also purchased Bronson Business Tax.

The Coldwater office of Pavlov & Associates, CPA’s, P.C., offers a wide range of services, including financial compilations, payroll services and taxes, corporate (profit and non-profit) and individual tax preparation, internal audit projects, external audit and review services, as well as fiduciary tax preparation. The company is also Quick Books Certified and works with both profit and not profit organizations for all their accounting and financial needs.

They couple recently moved here with their three children from the Detroit area, where they both worked for major companies. Andrea, a graduate of Walsh College, was previously a senior tax associate for Deloitte &Touche, LLP, a well-known national accounting and consulting firm. She is now the internal audit manager at Borgess Health in Kalamazoo. Dave was born and raised in the Bronson area, where he played several sports, including high school football. He graduated from Albion College and received his masters from Central Michigan University. Prior to moving back to Bronson, he held several positions, including senior manager for BDO Seidman (a large regional accounting and consulting firm), corporate controller and chief accounting officer.

They moved back to the Coldwater area to be closer to family and to be able to raise their children in a great community.

“Andrea and I love getting involved in community activities and are already coaching youth football,” Dave said. “It is exciting to be a part of a small community. We both look forward being more involved in both Coldwater and Bronson.”

Andrea is currently a member of Altrusa of Branch County and is active on their New Membership Committee.

Corey Collins, president of the Downtown Business Association (DBA), commented that he “is very pleased that Andrea and Dave Pavlov have joined our downtown business community. We have a very strong business mix and the addition of Pavlov & Associates, CPA’s, P.C. will be another great asset to Downtown Coldwater.”


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