We have been getting our taxes done by Jessica for a few years. We appreciate her honesty and…read moreexpertise. Amber has also been very helpful. Thank you both!!

Jessica is great. We have been using her for 20 years. She has seen all our children grow up and my…read morewife and I really like her personality, her steady calm demeanor expertise and her attention to detail.

Jamie Felming & Associates are amazing!!…read more I have attended two of Jamie's financial advising presentations and both were educational and insightful, to say the least. Her firm have a different process to financial advising. They really bring to light where we personally spend our money to see for ourselves if this spending is in line with our goals. I have worked with other advisers and I must say their approach is awesome!!

I have been using Dave Brooks as my financial advisor at SagePoint Financial for about a year now…read more He is, by far, the best financial advisor I have worked with. He is informed, responsive and always keeps my husband and I up to date on the status of our accounts. Highly recommended!

I found Taylor Schulte through his Live Wealthy podcast which I can highly recommend! When we…read morelearned their team was accepting new clients, we quickly got in touch to see if they may be a good fit for us. We had just recently retired and we felt that our "traditional financial planner" was not meeting our needs. We met with Taylor and Tyler, and to say we were BLOWN AWAY is not strong enough! These guys have Retirement Planning dialed in!! They were very thorough, asked the right questions and came through with a complete financial plan that was easy to understand and covered many things we had yet to think about. They showed us how Roth conversions could make a huge difference in our lifetime tax bill. They uncovered the (often mysterious ) fees we were paying within our various accounts and helped us simplify the assets to make them more manageable. For MANY years we paid our advisor but did not feel we were receiving what we needed. We couldn't articulate what we were missing because you don't know what you don't know!! Taylor and Tyler turned the lights on for us and we are very grateful. I also must mention that their office manager, Karen, is WONDERFUL too! She is professional, kind, proactive, and wonderful at detail and follow-up - she plays a critical part! These are ALL-STARS, and if you are seeking a team for your financial planning needs - look no further!!

Working with Taylor, Jon and the Define Financial team has been amazing and we couldn't have asked…read morefor a better partner for our finances. We love the fact that they're a fee-only fiduciary and are always looking out for what's best for us. They truly go above and beyond to make sure that no stone is left unturned when it comes to minimizing investment costs/taxes, reducing stress + complexity and maximizing returns. Before we ever decided to work together, Taylor and Jon met with us on multiple occasions to educate us on their philosophy and make sure we were aligned on a long-term, low-cost, diversified investment approach. We found it incredibly helpful to understand the "why" before getting caught up in the specifics of any individual investment decisions. Taylor and Jon are tech-savvy, data-driven and very well researched when it comes to modern advances in portfolio theory. Their investment philosophy is grounded in timeless fundamentals and is a no-nonsense approach that avoids so many of the common pitfalls with investing. They provide each client with a custom portal to manage all of your finances and also regularly provide action items to work on. Over the past 6 months of working together, we've made huge strides on so many big projects from investments to insurance and so much more. They've also helped introduce us to a wonderful new accountant, a great estate planning attorney, and have made multiple connections within their network of highly qualified experts. Above all, they're just really good people who are a joy to work with. It's clear from every interaction that they care deeply about each and every one of their clients. We're looking forward to working with Taylor & Jon for many years to come and are grateful to have them as part of our team.

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.

This review is long overdue…read more I've been working with Amanda, Cathy, and her team since 2019. Starting my small business, they were there to help me at tax time and complete the whole process of becoming an S-Corp. Ok, first of all - YES I'm beyond excited about what Amanda and her team were able to do for my small business taxes. The pricing is fair and you're getting top-notch attention. I like their new portal for organizing all your files online. Last, I'm amazed that her team was able to help me this 2022 tax year because this family has been through a direct loss in the family, Neil. I'm sorry about the news. However, Amanda and the team have always been there to give me insight and get the job done. Thank you, ladies! You're amazing.

We have been going to Leiman & Associates for a handful of years now. Last year we owed taxes (our…read moreown personal doing). Amanda and her team made sure to set up quarterly touchpoints with us to review our W2 and tax liability to ensure next tax season would be more favorable. She really worked with us to ensure we were utilizing all the pre-tax benefits to set us up for a good position next tax year. I appreciate the follow through and treating us kindly when it comes to the uncomfortable discussion about money.

Having retired and relocated to San Diego I was in need of the right Financial planning as I…read morestarted this phase of my life. After vetting and searching I found Wealth Analytics! From the first phone conversation to meeting Jeff and the team in person it was a perfect fit. They have a wonderful "client first" attitude that feels more family than business coupled with the knowledge and awareness to help negotiate these interesting financial times! I highly recommend them if you want to feel secure about your financial future!

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.