Philip J. Denstad, Senior Wealth Advisor

11/23/2023

Happy Thanksgiving!

10/03/2022

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.

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

09/26/2022

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.

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

09/19/2022

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.

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

09/14/2022

Review our latest market update:

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

09/12/2022

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.

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

09/05/2022

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.

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...

08/29/2022

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?

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...

08/29/2022

The Crucial Steps To Protect Your Aging Parents

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

08/22/2022

Is Leaving California A Good Move For Your Retirement?

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...

08/16/2022

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 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

08/16/2022

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