Philip J. Denstad, IAR Fiduciary Financial Advisor

Happy Thanksgiving!

Now that several states in our country are slowly opening their businesses, and revamping the economy, while others are staying put with the government’s regulations, you might have some free time in your hands. See this as an opportunity to get ahead with your personal numbers, whether it is to beat the market, protect yourself from scammers, or try new things. I’ve assembled a couple of tips that can benefit your finances.

Ways To Have Healthy Finances During The New Normality — Copley Financial Group, Inc. With the current state of our economy, and while some states are opening little by little, now it's a good time to consider a few useful tips to improve your finances. Copley Financial Group, Inc. is a wealth and retirement management firm that is located in San Diego, California. Our financial advi

A Health Savings Account (HSA) is a savings medium for people enrolled in a high deductible health plan to save for medical bills that may appear in the future. And due to its features, an HSA might be better than a 401(k). HSA contributions have their way around taxes. The maximum amounts you can contribute for 2020 are $3550 for individuals and $7100 for families. And if you are 55 or older, you can "catch up" with an extra $1000.

Comparing a Health Savings Account To A 401(k) — Copley Financial Group, Inc. A Health Savings Account (HSA) is a savings medium for people enrolled in a high deductible health plan to save for medical bills that may appear in the future. And due to its features, an HSA might be better than a 401(k). The financial advisors, retirement planners, and investment advisors of Copl

Our unemployment rate is getting better day by day, but many people in the workforce understand that their job might not be safe. Instead of knocking on wood as the pandemic "hungover" worsens, it is essential to be apt to secure another job or prepare economically for a job loss.

Are You Worried About Losing Your Job? Here's What You Can Do — Copley Financial Group, Inc. Our unemployment rate is getting better day by day, but many people in the workforce understand that their job might not be safe. Instead of knocking on wood as the pandemic "hungover" worsens, it is essential to be apt to secure another job or prepare economically for a job loss. At Cople

Review our latest market update:

Copley Financial Group, Inc’s Market Update - September 2022 — Copley Financial Group, Inc. I'll go over the risks of holding cash at the moment and provide you with some financial instruments with excellent rates to put you in a much better position. Copley Financial Group, Inc. is a retirement planning, wealth management, and financial planning firm specializing in a holistic approach to

What if I told you there are structured notes that have an objective of making you enjoy the highs of the stock market and takes a lot of the risk when the market is low. You'd think I'm crazy, right? Well, that's what the Buffered Index Portfolio does.

Buffered Index Portfolio: A Financial Tool That Minimizes The Risk From Investing — Copley Financial Group, Inc. A Buffered Index Portfolio uses structured notes to create upward participation in the market with a predetermined level of downward protection against the volatility of it. Copley Financial Group, Inc. is a retirement planning firm that focuses on wealth and investment management, among other speci

Don’t think for a minute that your investment portfolio should stick exclusively to the traditional “stocks and bonds” structure. Today’s market can be quite challenging when trying to evaluate which opportunities will be the most profitable. Commercial Real Estate is an asset class that can bring you several benefits.

Think Real Estate Is Going To Be A Problem? Think Again! — Copley Financial Group, Inc. Don’t think for a minute that your investment portfolio should stick exclusively to the traditional “stocks and bonds” structure. Today’s market can be quite challenging when trying to evaluate which opportunities will be the most profitable. Commercial Real Estate is an asset class that can...

Low mortgage rates have maintained the housing market among one of the few bright things in this difficult year, specifically for the homeowners easing their finances by switching to shorter loan terms or refinancing their mortgage. And I want to keep today’s conversation on the latter part.

Mortgage rates set 14th record lows on 2020, driving even more refinance demand. So why is all of this happening? Why are the percentages hitting all-time lows? Will this trend continue during the second quarter of 2021? And are you a good candidate for a house refi?

Why Is Now The Right Time To Refinance Your Home? — Copley Financial Group, Inc. Low mortgage rates have maintained the housing market among one of the few bright things in this difficult year, specifically for the homeowners easing their finances by switching to shorter loan terms or refinancing their mortgage. And I want to keep today’s conversation on the latter part. Cople...

The Crucial Steps To Protect Your Aging Parents

The Crucial Steps To Protect Your Aging Parents — Copley Financial Group, Inc. There is no way around it. Preparing for the loss of your parents is wrenching. There are a couple of things that you can do during those moments that will give you and the person you love, peace of mind. Copley Financial Group, Inc. located in San Diego, CA

Is Leaving California A Good Move For Your Retirement?

Is Leaving California A Good Move For Your Retirement? — Copley Financial Group, Inc. The question, “Where do I want to retire?”, is one of the most, if not the most important question you need to ask yourself when planning to leave the workforce. Will you be content in a new location? This answer will vary from person to person. What are you looking for in a new city? Will the r...

How do you determine when to retire? The basic answer is earning enough money from investments and other sources to support your way of life.

Many retirees and those who are beginning to consider retirement struggle because they lack a solid understanding of their annual spending patterns. It can mean the difference between someone enjoying a fantastic retirement and running out of money if they don't know that figure or plan.

An Easy Way to Calculate Your Retirement Spending — Copley Financial Group, Inc. An Easy Way to Find How Much You Will Spend in Retirement. One simple math equation can help you determine where to start building your retirement income plan, and whether your money should last. Copley Financial Group, Inc. is a financial firm that specializes in wealth management, retirement plann

Check out my interview in in my LinkTree in my bio to read about my story!

Get Paid To Move To Paradise

Get Paid To Move To Paradise — Copley Financial Group, Inc. You think I must sound utterly insane when I tell you that you can escape from your current routine, live in one of the multiple paradisiac cities that the United States has to offer, and make money out of it. Here at Copley Financial Group, Inc. I can help you come up with a strategy to achieve you

Saving for retirement is scary enough without the current state of inflation. Unfortunately, according to government data, inflation soared in 2021, rising 6.8%, the highest since 1982.

Annuities are seen as a strategy to alleviate the stress of running out of money on your retirement, but even they can come up short. People incur annuities for a guaranteed revenue stream by paying a lump sum or periodic payments to an insurance company. Money in an annuity will grow tax-deferred, but typically, the one you receive is taxed.

What To Contemplate When Buying An Annuity — Copley Financial Group, Inc. Annuities are seen as a strategy to alleviate the stress of running out of money on your retirement, but even they can come up short. People incur annuities for a guaranteed revenue stream by paying a lump sum or periodic payments to an insurance company. Money in an annuity will grow tax-deferred,

Here's May 2022's market update.

Copley Financial Group, Inc’s Market Update - May 2022 — Copley Financial Group, Inc. Market Update for May 2022. Matthew Copley reviews the current economic environment that involves our recent recession and inflation. Copley Financial Group, Inc. is a retirement planning, wealth management, and financial planning firm specializing in a holistic approach to your finances. We are loc

Kyle Klinger, a financial advisor from the firm, has written a fantastic piece about the markets' behavior.

https://www.financialplannersandiego.com/insights/kyle-klinger-market-update-january-2022

Copley Financial Group, Inc’s Market Update - June 2022 — Copley Financial Group, Inc. Market Update for June 2022. Matthew Copley reviews the current economic environment that involves our recent recession and inflation. Copley Financial Group, Inc. is a retirement planning, wealth management, and financial planning firm specializing in a holistic approach to your finances. We are lo

Hello, hello! Here's June 2022's market update video.

Copley Financial Group, Inc’s Market Update - June 2022 — Copley Financial Group, Inc. Market Update for June 2022. Matthew Copley reviews the current economic environment that involves our recent recession and inflation. Copley Financial Group, Inc. is a retirement planning, wealth management, and financial planning firm specializing in a holistic approach to your finances. We are lo

Planning well is advised whether your retirement is still a few years off or is approaching because, without it, you can encounter significant difficulties that aren't currently on your mind. In addition, the lifestyle you want may be impacted by those problems in the future.

On your journey to retirement, you can run into unseen challenges, so it's critical to understand the potential impediments and take the appropriate action to lessen their impact.

Things To Consider During Your Retirement — Copley Financial Group, Inc. Taxes, a well diverse portfolio, and a knowledgeable financial advisor should be the three things that you shouldn't oversee when thinking about retirement. Here at Copley Financial Group, Inc., with offices in San Diego, California and Uniondale, New York; are here to help you in every step of the

As we enter the second half of the year, Federal Reserve Chair Jerome Powell has delivered his press conference. So naturally, I thought it would be a good moment to provide you with a market update. Also, among other things, I want to touch base briefly on China's current economic situation and a couple of financial products that are currently showing great results.

Copley Financial Group, Inc’s Market Update - July 2022 — Copley Financial Group, Inc. Market Update for July 2022. Matthew Copley reviews the current economic environment that involves our recent recession and inflation. Copley Financial Group, Inc. is a retirement planning, wealth management, and financial planning firm specializing in a holistic approach to your finances. We are lo

Link here: https://www.cnbc.com/2022/07/22/markets-face-what-could-be-the-most-important-week-of-summer-with-fed-earnings-and-economic-data.html

Click on my LinkTree in my profile for full article.

Good morning! Hope you’re having a great Sunday morning. If you have Instagram, I post more content there about investing, the economy, financial planning, etc. and I appreciate any new followers. Philip.financial.advisor is my instagram. Thanks for the follow and I hope you enjoy the rest of your weekend!

Putting in some Saturday hours with clients and working on some Retirement and Wealth Management planning.

9.1% !!

Philip J. Denstad, IAR Fiduciary Financial Advisor updated their website address.

The worst start to the year since 1970!