I've been with Copley for at least 8 years now. These folks operate from integrity , they are smart with my investments and highly personable. They know how to listen which is at least half of any conversation. When I opened my account it was for my family. My daughter was 2 years old and was treated with love and delight every time we visited. As an added perk, they have hosted an annual dinner recapping the year just past and offering predictions for the one to come. These events are educational, we get to associate with fellow clients AND the evening is DELICIOUS ! read more

I went to the Copley Financial Group seminar at Ruth Chris Steak House in Del Mar, California. I did not agree with much of this financial seminar although I admit I did learn something there. Two positives so two stars, no more because I feel sorry for the family I met there who I believe sold great properties using a 1031 exchange into a DST to avoid taxes on a Roth IRA conversion .. property they could have left for their daughter. I called Copley Financial Group's office and asked them to send me a contact email, I asked for confirmation that Matthew Copley is series 65 certificated because Matthew mentioned this and I didn't see any material from the seminar confirming this, and to explain the investment strategy Matthew mentioned at the seminar to do a Roth conversion and avoid the taxes which I believe is sell your real estate using a 1031 exchange into an investment guaranteed to create a tax loss called a DST to offset or eliminate paying the IRS taxes on the Roth IRA conversion. No email from Copley so I'm writing this Yelp review. My financially savvy colleague tells me this investment strategy is the dumbest idea he's ever heard, buying a losing investment to avoid taxes, and what happens if you get a letter from the IRS saying you still owe taxes. The fact is you want to try to make intelligent investments and make as much money as you can and not worry about the taxes but still use simple tax strategies. I have yet to find a financial advisor I trust who has a better strategy than buying the S&P 500 and BRKB. After the seminar I asked about CA Prop 19 because of significant tax increase in inheriting a home but no solution. In elementary school I read a book entitled "How to Make Big Money in the Stock Market" by Samuel Mitchell - I was just a kid but even now I like the title - one concept in that book is not to lose control of your money, so I don't like the idea of a DST due to lack of control, illiquidity, fees, potential for low returns, financing opportunity risks (can't refinance to lower rate), and tax complexity. I don't like the idea of reverse mortgages if you have kids. I'd rather rent out extra rooms rather than reverse mortgage because I care about my kids. There is nothing wrong with paying traditional IRA taxes due to RMDs (required minimum distributions). The IRS forces you to sell 4% of your IRA at age 72 and the RMD goes up each year because you deferred the tax. Fair is fair. I plan to enjoy spending part of the RMD, pay the taxes, and reinvest what's left each year. Every financial advisor I have listened to wants you to do a traditional to Roth IRA conversion. My take is delay and minimize paying taxes as long as possible. The fact is if you contribute to a Roth IRA you are taxed upfront maybe 50% to the IRS if you're lucky enough to make that much, lets say your Roth portfolio grows to $500,000, that same portfolio would grow to $1,000,000 in a traditional IRA which is taxed later starting around age 72 when you're likely in a lower tax bracket. The RMDs aren't taxed like qualified dividends which in 2024 they are taxed at 0% if under $94,050, 15% under $583,750, or 20% above that. It only makes sense to contribute to a traditional or Roth IRA if your tax rate is lower going in (use a Roth) or lower at age 72 (use a Traditional IRA). Now to the main seminar about Social Security and the suggestion that because of inflation it can make sense delaying social security (at ssa.gov) because the ssa payments increase each year and max out at age 70, plus payments will be higher if you delay due to ssa COLA (Cost Of Living Adjustment). The fact is you likely get COLA increases whenever you collect (even age 62) and each year after that. COLA increases are behind inflation so delaying ssa is not beneficial because purchasing power goes down vs true inflation. Also if you delay payments until age 70 vs 62 you lose 8 years of benefits which could be compounding in investment. Say you'd get $3000/mo for 8 years that's 8x12x3000 = $288,000 which if you die at age 69 1/2 you get $0 to leave to your family vs $288,000 starting ssa at age 62. My spreadsheet I created shows investing early ssa at 8% delaying ssa has no benefit (or let my investments ride and spend the ssa), at 10% I'm well ahead collecting early, at 35% I'd become a billionaire collecting early (its my speadsheet I can enter any value). In my case I retired at age 64 and ssa.gov's break even age was 82 if I delay ssa until age 70 - yet the SSA actuarial table shows my expect life expectancy is only age 84. What the actuarial tables don't tell you is only half the people make it to that age.. I'm working again so social security stopped my payments until I reach full retirement age around age 67 at which time my benefits will be continued and be recalculated with the increase. These are all considerations I looked at in deciding when to collect Social Security. read more

Please do not look any further for a company that has your back.I have been with them for many years and always had the best advice from your advisor!After my husband passed away and after my company closed and was retired I turned to them for the best advice on what to do I was never disappointed! I would personally Like to thank Olga and Troy for being there for me! I can not express my gratitude for their patience and understanding with me!I was always greeted warmly and always offered something to drink.I never felt that I was being pressured and they were willing to take the time with me! I really appreciate this company and will be referring my friends and family to them!Thank you! read more

Wow, all the Google 5 star reviews is very suspicious. Especially from many sketchy Google accounts. I would not put my money in their hands. One reason is they don't listen, secondly they don't follow-up, but more importantly is they can't prove the unbelievable returns they claim. Great steak dinner though. That should be your first tip that not all is what it seems. If you have your money with them best of luck getting it out. https://investor.com/rias/copley-financial-group-283070#DisciplinaryAlerts read more

They have a very high level of expertise on all aspects of retirement planning and investing. Their customer service is amazing. I trust them with all of my retirement planning needs. read more

I first went to a retirement seminar that Copley hosted and I registered for the free financial analysis. That analysis alone was so informative and was great encouragement that I would actually survive when it was time to retire. I met Troy and Kelly and they have taken such great care of me. Troy is always reachable and willing to talk through anything. My money has been safe and even increased in value even after this last market downturn. I received a special deal to get my Trust done and that has taken a huge load off of my shoulders. I am definitely not rolling in money, but what I have has been very safe and well invested. Troy always treats me like I'm his most important client and I'll be forever grateful for their advice and kindness! read more

My husband grew up with the Copley family, so we were confident that they would be able to assist us with diversifying our portfolio in such a way that our finances would be protected, but what we didn't realize was how incredibly welcoming and accommodating they would be. Once we met with Trpy, he organized our finances in such a way that the impact from COVID-19 was minimal (and still recovering), but they also created our family trust at a reasonable price...therefore ensuring that our finances will be protected that way, too! We cannot say enough good things about Troy, Kelly and the rest of the employees, have recommended them to several of our friends who have also entrusted their finances with them. A+ company! read more

So far, so good! We changed financial planners after going to social security seminar conducted by Matthew. We had been with the previous planner for over 20 years. The previous financial planner did a good job but what made us change is that Matthew really knows how to manipulate social security so that you get the maximum amount. He is very creative and really seems to be for his clients. Matthew is also a personable man. When he learned of the passing of our granddaughter, he picked up the phone and called us. That spoke volumes to me. We are happy that in the very near future we will speak to his Medicare specialist as we get that rolling. We will also be using real estate services provided by his office when we sell our home and relocate. In addition, we will most likely be using his tax services in the future. One of the greatest assets this business has is his administrative assistant, Jessica. She answers calls and emails quickly and takes care of business. Very professional and friendly. She is a huge part of making this business look good. We are looking forward to many years of relationship with this company. read more

We have had a wonderful experience with the Copley team, and they have given us sound investment and retirement planning advice. They are attentive, prompt and responsive to our concerns/needs, as well as the changes to the market. We feel they have managed our funds in an exceptional manner, and would highly recommend them. read more

Matthew and Jessica have been working with me for about 5 years now. It has been a rewarding professional relationship on many levels. Besides Matthew's financial skills, he and Jessica are amazingly good communicators. They both respond quickly and always follow-up as promised. Here's to many more years of working together on my finances. I may be their client for many years to come if I live as long as my Mom ... 98!! read more

I went to a very informative social security update conducted by Tro and Kelly about 18 months ago; this company at the direction of Matt Copley has been very active and useful in my financial management. I highly recommend them for planning your future and retirement plans. Thank you Kelly and Tro !! Eric Hayes read more

Advisors are professional, incredibly knowledgeable and truly take the time and care for each client. I worked with Kyle Klinger on a retirement rollover into a more diversified IRA profile and he saved me so much time and stress and the investments are sound. By far the best advisor we've had. Our family plans to use Copley for all of our future financial services. 100% recommend! read more