Philip Howard Collector, was born in Baltimore. As a child his parents never knew where to find him because he was always in and out of the neighbors’ houses. The success of Intercoastal Investment Trust today is based in part in Phil’s continuing curiosity and passion for houses.

But this was not Phil’s first career. He was in the music business as a successful concert promoter, record producer and talent manager, back in the mid-sixties and early seventies. After retiring to Aspen, Colorado, Phil got bored and moved to the San Francisco area to continue his education. There he became a licensed real estate broker in the very active California market of the late seventies, early eighties.

Phil then returned to Baltimore and realized that being a broker simply was not satisfying enough. He preferred to act as principal; purchasing his own properties to renovate and resell and to wholesale “as is” to other investors.

Phil also realized what was to become one of the core values at iiTrust: that buyers and sellers of homes in the first time home buyer price range weren’t getting a fair shake from realtors. As a result, Phil pioneered the development of purchasing houses for cash as a full-blown business in the Baltimore real estate market. A business that has since grown beyond the reaches of Baltimore.


Jay Willetts is a math instructor at CCBC teaching in the Continuing Education Department in the GED division. He has over 40 years experience in the field of education with the last ten working with adults trying to earn their high school diploma. Photography interests began early in life with a emphasis on wildlife, travel, and scenics. Jay has been photographing houses for Phil at II Trust for 10 years and enjoys traveling around Maryland, DC, and Northern Virginia area and shooting the many types of homes he is assigned. He keeps busy working around his home in Owings Mills which was found several years ago while exploring properties for Phil.


Clarence Adams is responsible for site support for each of Intercoastal’s properties prior to and until the settlement date. We couldn’t do it without Clarence! Clarence is retired from the Bethlehem Steel Yards in Baltimore. Besides having raised a family Clarence and his wife raised any number of foster children.