Alison Fleming has been our advisor for over 10 years. Our investment has continue to grow over…read morethat time. When the market is wavering Lumena has always been proactive in adjusting our investments so they continue to be safe. Can't recommend Lumena more!

Larry is great at what he does, and the customer service is outstanding. You can either drop off…read moreyour information or send it by email. We have been using him for the past 10 years and very satisfied. We have gone from filling single, to married with a house, a rental property, and a side business. Newsletters are sent during the year to help you get prepared and the most out of your money. Larry will also help you out with projections for the next year. I have referred many friends and will continue to do so.

I've been coming here for years to get my taxes done. Larry is very knowledgable and will do his…read morebest to get you every cent you're entitled to.

Allan was the insurance contact for a company I was with for several years, allan wiser is truly an…read moreangel and a pleasure to deal with. He is a glimmer of hope in an industry mainly run by crooks and devils. He is empathetic and compassionate, just a great human being all around, I recommend anybody who is searching for insurance to contact allan wiser.

Allan Wiser Insurance Services offers top insurance benefits with an outstanding level of customer…read moreservice. As the Office Manager of a large architectural firm, I can depend on Allan and his staff to answer my questions about coverage, help with enrollment and termination of employee benefits; all within a timely manner. Allan Wiser Insurance offers individual and group plans. His rates are competitive and Allan always strives to get the best plan for his clients. Thank you Allan!

Very nice & professional. Mr. COOKE is professional, courteous, and completes both corporate &…read morepersonal ( State & Fed) with accuracy.

Tried to work with Chris Cooke through a legal claim covered by ARAG. At first he was confident…read morethat he could help and asked for my claim number right off the bat. I asked simple questions regarding my claim benefit and his charges (so I understood the process and estimated charges) and he would not answer the questions only saying "the ARAG claim will cover the services". I asked for an explanation once again and he ghosted me for weeks. When I followed up asking for answers to my questions, Chris asked me to provide the claim number once again. I then asked if he saw my questions in the email. Chris Responded "I am unable to help you". I then called Chris to try to talk through it with him. He refused to say anything but repeated "I am unable to help you". He then abruptly hung up the phone. It's very odd that someone is confident they can help you until you ask about the billing process and all of a sudden they are "Unable to help". It seemed more like he was "unwilling" to help rather than "unable". I suspect he planned to do the minimum and charge the maximum. Perhaps my line of questions prevented that from happening. Do yourself a favor and find a kind professional willing to provide services at a fair and transparent price. This guy will just hang up on you. :(

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.

My family and I have been working with Shammas Bureau Tax Services for over 12 years, and the level…read moreof care and consistency has never changed. What truly sets Shammas apart is the personal connection. He knows his clients by first name, remembers details, and always takes a moment to ask how our family is doing. It never feels rushed or transactional--it feels genuine and respectful. Year after year, we receive reliable, honest, and professional tax services. Everything is explained clearly, and we always feel confident and well taken care of. That kind of trust is built over time, and Shammas has earned it. I highly recommend Shammas Bureau Tax Services to anyone looking for dependable and reasonable cost, long-term tax support from someone who truly values their clients.

I was referred to Alfred by my aunt and uncle and am very pleased to have chosen to bring my…read morebusiness to Shammas. Alfred possesses extensive expertise in his field, and I am confident that you will make Alfred your tax guy, bookkeeper and friend!

I have to call out my own financial services advisor at UBS in La Jolla. His Name is Brian Krause,…read moreand is absolutely the best! He is very professional, understands his business, and goes above and beyond every time for me! If anyone is looking to hire a financial services consultant (financial advisor) you can do no better that have the expert advise of Brian Krause. In fact, he was recently rated as one of the best of the best in San Diego Magazine.

This was the second time for me to refinance my mortgage through Mr. Zara and his team. The process…read morewent effortless from my side at least. I shopped around (including my current lender) and could not get anything like what they offered. Moreover, they recommended which loans I should take which fits my situation. I was planning to get 15 years, but Mr. Zara was able to get me a better deal on 30 years and he recommended that I add extra pay for principal on monthly basis when my finances are good. My thanks extends to Jehan and Maryan too. I highly recommend Zara!

I've been working with Zara home loans for years. They take care of all my personal and business…read moretransactions for my personal home and investments. They always have best interest rates and lowest fees. They always beat our Chase, Wells Fargo and B of A! I always try to compare just to make sure but their amazing service is totally worth it. And just when you think something can go wrong Saif is always there making the deal happen! Thank you for 14 years of good service to me and my family.