I contacted Brian through Yelp a couple weeks ago and made it VERY clear from the beginning I was…read morelooking for a quote for tax filing/preparation only for this year. My initial message: "Hi Brian, I am just looking for a quote for 2023 tax filing, not to actually start it yet. We will be needing help on a couple of tax situations this year." His exact response: "Understood. I will provide a quote for 2023 during our call. I just sent the questionnaire." He then emailed me the questionnaire; I put I was interested in "Individual taxes" and sent it back to him, I NEVER put I was interested in Investment management or any other kind of financial services. So he knew this whole time I only wanted tax preparation. He still proceeded to call me today and asked a few questions related to our tax situation. Then at the end of the call he asked if I was looking for someone to manage our investments, I said not at this point...we are only looking for tax preparation now. His tone completely changed and he abruptly told me in a condescending manner we are not a good fit because they are saturated with tax preparation clients and he's looking for clients who want investment management. I was pretty shocked at the change in his tone and his annoyance once I told him I didn't need someone to manage our investments. Again, I made it VERY clear from the start I was looking for tax preparation services only from my initial message AND the questionnaire he had me fill out. I honestly don't know why he still called and was rude when he knew he couldn't take on any more clients who only wanted tax filing.

I hired Brian a few years ago when when I neede to navigate the complexities of selling our company…read moreand managing stock investments in the new parent company. Since then, Brian and his team have been preparing my tax returns each year and providing ohter financial consulting as needed. He also helped me establish a family trust and is helping my wife establish an intestment portfolio. Brian is extremely proficient and knowledgeable, and his team is super helpful and responsive. I sleep well at night knowing we have Brian and his team in our corner.

Seems to me that they get upset when you ask questions about your financial distribution. Seems to…read moreme like they changed the narrative to suit their needs and ended up switching to somebody else.

I trust Scott to invest my money in a wise way. He has always done so and I have seen good returns…read moreon my investments. He is an excellent communicator and listener. We discuss my goals and he tailors a financial plan to fit my needs. He is knowledgeable, professional, honest and trustworthy. I've been very pleased having Scott as my financial advisor. On a personal note, he is also friendly and caring.

I've been with Copley for at least 8 years now. These folks operate from integrity , they are…read moresmart 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 !

I went to the Copley Financial Group seminar at Ruth Chris Steak House in Del Mar, California. I…read moredid 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.

Great service I love Next Gen. I will continue to use in regards to financial planning. Need more…read moreinformation, then call them and they will give you their all and more. Love it love it.

Working with Steven and the Next Gen Financial team is such a worthwhile investment. I found Steven…read moreyears back and was drawn to his approach to financial planning and his commitment to listening to me and creating a plan that fits my goals and my lifestyle. I liked that he intended to be a lifetime resource for me, as I was under 30 at the time, and I am not good with long term financial planning beyond just saving as much money as possible. Steven helps you strategize with your money and make decisions that are right for you and your situation. Having this relationship brings so much peace of mind and I can't recommend Next Gen strongly enough.

*****SCHWAB IS TERRIBLE**** they don't give you any warning…read morethat their 529 won't count toward Indiana529 credit. I wasted time running my daughter's funds through their 529 which is only compatible with Kansas colleges. They cost me $800 tax credit. When I confronted them they were unapologetic and blamed me. If your customer has an out of state zip code, then flag a warning . Schwab are A holes. I closed all of my accounts with them.

INCREDIBLY BAD SERVICE!!! The front desk girl was very rude and acted as we didn't exist. We wanted…read moreto see a financial advisor as a walk-in and she wouldn't even make us an appointment for another time because maybe they were too busy or the account wasn't large enough for them. She totally deterred us from ever wanting to do business with them.

I have been working with Sean Chung for over a year and it has been a life changing experience. I…read morehave told all of my friends about it. I wanted help understanding my finances but struggled to find somewhere that didn't require me to have over 100k in savings. Sean walked me through a comprehensive financial analysis and through that process I finally feel like I understand my finances, how to manage my debt, feel comfortable with my budget and am finally investing. I have significantly increased my net worth by utilizing the strategies Sean has taught me. By far the best decision I have made for myself! I highly recommend TruFinacial.

I worked with Daniel and I am very pleased with his knowledge, service and professionalism. He took…read morethe time to explain everything to me. He answered all my questions and concerns. I highly recommend him.

Whether you are a financially sophisticated gazillionaire running a web of companies from your…read moremegayacht or the kind of person who goes to the ATM to see if they have any money, you need a financial advisor. But not just any financial advisor. You need Keith Paglierani. Keith will grasp all the details while staying focused on the big picture. Even if you have everything figured out, he'll have a few more ideas for you and see at least one issue and a solution you missed. And if something financially major suddenly happens (say you win the lottery or lose a job), you can pick up the phone any time, and Keith will be there for you with great advice based on rigorous analysis. Always delivered straight but with kindness. I met Keith when he did an analysis and financial plan for a relative who asked me to tag along as the financial version of a medical advocate. I was so impressed by Keith that I hired him as my advisor. I've worked with him for nearly five years now and have referred him to friends. Two other reasons I feel so good recommending Keith - Having shopped for advisors, I feel confident that his fee schedule represents the best value in financial advice you will find. - Because Keith has a group of support people around him, he can deal with lots of data, fast. A couple of times, I've buried him in paper, thinking it would be a couple of weeks before I'd get anything back, and each time he'd been back in touch in a day or two with great thoughts based on close analysis. Keith is money. Literally.

Jan and Karen have been our advisors since 2005 and we loove them! They are like friends to us…read more Ameriprise is known to be expensive, but they really help us out and never pressure us into doing things we don't want to do. They saved us from losing lots of money during the downturn in the economy. To me, they are worth every penny to make sure our investments are on track and to keep me from stressing about it all. I was originally referred to Ameriprise by a friend. His advisor was a family friend, so I trusted him. I was with him for about a year before I moved out here. My old advisor referred me to someone here in San Diego who would not return my calls or emails, so I was about to give up on Ameriprise. Then, I was referred to Jan Pretorius. I made an appointment and went in to visit him at the La Jolla branch. I then discovered he had a partner with him, Karen Purvis. He likes to take care of retirement and 401 (k) stuff and she likes to take care of expenses, insurances, your financial goals, etc. Eventually, they moved out into their own office at the Morena Blvd location. They acquired a paraplanner, Tracy, who is just as great. When we go in for our twice a year meetings, we are greeted by name and everyone is super friendly. During our visits, we track our spending and savings, mostly with Karen. We focus on how on track we are with our goals and talk about making changes if needed. Jan will then talk about the market and our 401 (k) and changes he's wanting to make, etc. I love not having to deal with all that! They've even made calls to try and help us out with things during our meetings and put the call on speaker phone for us to hear. Every once in a while, they will try to sell us the idea of something new, like life insurance. But, in the end, it is all our decision and have never ONCE felt pressured by them. I'll admit, we've gone against their recommendation before. They return all emails and calls usually in the same day. This office is very personable. They send us chocolate for Christmas, they sent us a wedding gift off our registery, and they call us for our birthdays. Seriously, I couldn't imagine using anyone else as our financial advisors. Based on other reviews of Ameriprise, it all depends on who you get as an advisor. We got lucky. They do a terrific job and anyone interested should call them up for a free consultation.

We started working with Jessica several years ago and it was the best decision we've made! We work…read morein the private sector and Jessica has a lot of experience with these kinds of compensation packages (stocks/RSUs etc.) something I've had issues in the past with others. I refer all my friends to her. She's also very personable and patient :)

Best tax preparation company around. Extremely efficient and on point knowledge of tax laws! I've…read morebeen blessed to have Kyle do my taxes for at least 20 years.

David Tam was my advisor and he's done a lot for me. Thank…read moreYou, David. I'm very happy to have you on my side.

David Tam is very through, I would recommend him to anyone…read more He's been extremely patient and I'm happy with him.

A nightmare in every sense. Transferring funds has literally never been harder!! Sooo crazy and…read morethey absolutely refuse to keep in touch no matter what they promise you

My former employers had investment accounts with Fidelity and I since moved all that money out into…read moremy current employers account (Thank God!). I decided one day that I wanted to start a Roth IRA and since I already had accounts with Fidelity in the past, why not just use them right? WRONG! That was a bad idea! So I logged into my account and opened a Roth IRA, things were going OK until I tried to fund it, then the website wanted to send verification texts to me, but when my older accounts were created I accidentally transposed the prefix for my phone number, no big deal, just change it right? WRONG. In order to change your phone number on Fidelity.com you have to get a verification text sent to your phone, which would be fine if you still have the same phone and you didn't type it in wrong like I did. As you can imagine, this was frustrating as I was experiencing an infinite error loop, as I cannot accept a text message to an incorrect number, thus I was unable to change my phone number. I tried to contact customer service via chat (her name was Wendy), I was told she could not help me, & was advised to call 800-544-6666. When I called & entered my social security number, I was redirected & told the department I needed was CLOSED, even though the rep told me it was 24/7. I went back to chat, & was told the same thing by the same rep (Wendy) She was not helpful at all, basically called me a liar that I received that message that they were closed, she rudely insisted she could not help me & I had to call, I tried again same thing, got a message stating they were closed. I then went to chat again, & got Wendy again, this time the conversation got heated, & she basically cut me off. I tried again & got Miguel & asked to speak to a supervisor, & he cut me off, & then I was blocked from being able to use chat. So then I decided to call again, only this time, I said I was a NEW customer, which technically I was, I never had a personal account with them just 401Ks from employers. I spoke to a seemingly nice gentleman in India, who actually pretended to help me, but as we were talking I was locked out of my accounts online. So not only did I get blocked from using chat, I was now kicked out of my accounts entirely, then he told me I needed to visit a local branch to "verify myself" (hence this review). IS THIS HOW YOU TREAT YOUR CUSTOMERS? ALL I WANTED TO DO WAS OPEN AN IRA ACCOUNT AND CHANGE MY INCORRECT PHONE NUMBER. Sounds simple right? WRONG! Trying to open a new Roth IRA and change my phone number led to me being locked out of my accounts entirely and being forced to visit a local branch just to unlock my web account. The funny thing about this, is I didn't even have any money in there yet! :D ****Imagine if I actually HAD money in there! I would be locked out with no access to my own funds!!!**** My recommendation, STAY FAR FAR AWAY FROM FIDELITY!!!! The website is garbage, the customer service is beyond horrible, and the security policies are absurd! Find another place to invest your money! I would rather buy a safe or put cash under my mattress than to trust these people with my life savings! NO THANKS!!! I guess I don't have to worry now, my account is locked forever by these incompetent fools, so I will just take my business elsewhere, and thank God almighty I didn't have any money in there to worry about. Goodbye Fidelity, not nice knowing you.