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VIP Introduction The greatest compliment you can give us is an introduction to a loved one or friend
Why COPIA COPIA Wealth Management Insurance Services and COPIA Wealth Management Advisors Inc are organizations that combine comprehensive financial advising with education in order to best help our clients achieve their desired wealth goals This booklet is meant to convey some of the unique services and ideas we have developed for use with individuals such as yourself We have worked with many people and have built a great relationship of trust with them and their families over time Our practice is selective and we work mostly with referrals from existing clients I would enjoy the opportunity to talk with you about some of the things we do at COPIA and how those services might positively impact your financial retirement and investment goals today or potentially down the road We want to educate and empower you to make strategic financial decisions to improve your standard of living and achieve financial success Included in this booklet is information about our firm We look forward to hearing from you to reserve a time to meet in the very near future Sincerely Elisabeth Dawson President and CEO CA LIC 0C72164 0G81294 619 640 2622 619 640 2600 Elisabeth copiawm com 2333 Camino Del Rio South Suite 240 San Diego CA 92108 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisr
About Elisabeth has been a financial advisor for over 26 years She is a money coach author educator financial coach wife mother grandmother and best friend to many She is the founder of COPIA Wealth Management Insurance Services and COPIA Wealth Management Advisors Inc Elisabeth has been named the Financial Advisor of the Year twice in the Finance Monthly Global Awards and three years running for the Face of Finance Wealth Management by San Diego Magazine She has also been featured on the cover of Discover magazine in U S News and World Report and San Diego magazine She is the author of the Wealth By Design book series The latest in the series released in 2023 is Retirement by Design Finance is in my Blood Helping people with money is in my blood My story begins with the longest most stressful month of my life in 1998 when my second child Trevor was born with severe complications and confined to the NICU My whole life was about to change Suddenly I was facing the need for a new career that would give me the time flexibility I needed to care for my son I thought I d be in retail my entire life but I needed to transition away from the very demanding and successful career I had as a fashion buyer for Nordstrom
I had no idea what I wanted to do next A friend watched my son so I could interview with the GM of a local branch of Metlife I almost didn t take the interview because growing up two things were off limits any talk about death or dying and my mother s purse My mother was from the old country an immigrant from Vienna who lived through WWII For her conversations about death and money were secretive and fearful If you spoke about money you d be accused of wanting something when she died and under NO circumstance would you ever go into Mother s purse Never You might get your hand cut off When my parents emerged they were visibly happy My mom was ecstatic and my Dad was thrilled that he could retire Mom had always been my toughest critic and her endorsement was the sign from God I needed to move into the best industry in the world financial services with my full commitment Since then I ve been blessed to have great mentors who helped me fast track my career in many ways Even more deeply I knew I was a woman in a profession full of men and to succeed I d have to be the best Therefore I ve always worked extra hard and because of my children failure was never an option Today I am grateful to be in the Top 1 of successful advisors in our country Financial planning was in direct conflict with the two things that were taboo in my family I couldn t have accomplished this without my team they are incredible A job where you talk about money and death Not in my family But I took the interview and I loved it I felt I was born to help people with life s most difficult subject money I decided to go back to school at night to become licensed I was 28 years old When I told my parents they were my toughest critics But then something wonderful happened At the same time my father desired to retire early from the government at 55 As a test of the value of a financial planner I made an appointment for my parents with my newfound mentor in the industry So taboo were the subjects of money and death that my parents disallowed me from attending with them So I waited nervously outside the closed office Dear God I prayed if I am meant to be a financial advisor please show me a sign Show me even my parents can approve of it I found my mission my passion and my purpose when I found my place in the financial services industry I m in my dream job There is one moment I ll never forget It took place just 7 months before my mother passed away At a client appreciation dinner my mother surprised me with an unexpected toast Elisabeth your grandfather would be very proud of you My grandfather was a minister I didn t know why she was bringing him up I would hope my grandfather would be proud of me but why I asked Your grandfather was the Minister of Finance for Vienna Austria before WWII I was stunned Growing up I thought he was a church minister That unexpected toast confirmed something I ve felt since my first interview at MetLife I was born to be a financial advisor it s in my blood
Our Mission Our Mission is to consciously analyze strategize find solutions and support people in avoiding the emotional suffering that is commonly attached to the psychology of money Our Vision is to do great things for great people to create an amazing life by design and not a life by casualties As a Certified Money Coach through the Money Coach Institute I understand that money is the 1 cause for emotional distress in a person s life as an individual in their relationships in families in friendships in business in our country and globally When there is lack of full clarity on the relationship with money anxiety and stress overcome a life of quality and happiness That is why we are passionate about simplifying the complexity of money and financial issues in all areas of life We care and take seriously all coaching processes in order to deliver a wide view of money great possibilities and precise strategies This creates clarity and gives back power over your finances life and future In this society it is a blessing when you have respect for money and you value how you earn it how you manage it and how you multiply it It is our privilege and mission to support you on your financial journey and freedom At COPIA Wealth Management Insurance Services and COPIA Wealth Management Advisors Inc we enjoy the challenge of finding customized solutions to all of your financial needs Whether you re looking to increase the returns of your portfolio while decreasing the risks of investing decrease your tax burden or just get your financial affairs in order COPIA Wealth Management Insurance Services and COPIA Wealth Management Advisors Inc are uniquely positioned to help you accomplish all of your financial goals CA LIC 0C72164 0G81294 619 640 2622 619 640 2600 Elisabeth copiawm com 2333 Camino Del Rio South Suite 240 San Diego CA 92108 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisor
We are a Fiduciary Firm What does that mean for you We work for and represent you i e we don t work for anyone telling us to sell any particular investment or product to you We are transparent with all fees costs and expenses We disclose and explain any and all conflicts of interest We do NOT push products We do NOT act like financial salespeople We take the time to understand your unique financial position before making any recommendations We take the time to create an individualized and customized comprehensive retirement plan that accomplishes your goals CA LIC 0C72164 0G81294 619 640 2622 619 640 2600 Elisabeth copiawm com 2333 Camino Del Rio South Suite 240 San Diego CA 92108 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisor
Retirement By Design How To Avoid Running Out of Money and Create the Income You Need To Live the Way You Want In this book you will learn The top 5 enemies of your retirement and how to combat them The massive expense 1 in 5 retirees forget about until it s too late will you be one of them The insanely important retirement step that only 2 of people handle failing to do this could cause years of grief for your entire family How inflation will kill your retirement if you don t take this one counterintuitive but easy action The 1 investment you should make now to enjoy an abundant retirement How NOT to run out of money in retirement How to reclaim 30 000 a year in money you re currently throwing away unnecessarily in tax mistakes and other phantom expenses CA LIC 0C72164 0G81294 619 640 2622 619 640 2600 Elisabeth copiawm com 2333 Camino Del Rio South Suite 240 San Diego CA 92108 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisor
Wealth By Design Ways to Love Your Retirement Money uncertainties and the financial distress they can cause leave many people feeling lost or unsure Unfortunately the effects of these uncertainties often transfer to a person s personal relationships families friendships and even their businesses Even though millions of people wake up feeling stuck in these routines most do little to change them and unsurprisingly end up with the same results So how can one break the cycle and begin breaking themselves out of this chaotic routine I wrote Wealth By Design to address just that A Few Topics Covered Are Costs of Traditional Thinking Inventing Your Ideal Future Success Formula Income Planning Accountability and so much more CA LIC 0C72164 0G81294 619 640 2622 619 640 2600 Elisabeth copiawm com 2333 Camino Del Rio South Suite 240 San Diego CA 92108 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisor
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A Rare Find PRESIDENT CEO AND FOUNDER OF COPIA WEALTH MANAGEMENT INSURANCE SERVICES LEADS HER TEAM OF 7 INTO THEIR 26TH YEAR OF SUCCESSES By Jonathan Livingston California born and raised California born and raised I was born in Riverside and moved to San Diego at age 4 Had you a career in mind as a teenager I was always drawn to math numbers money and finance There is a photo of me as an infant crawling over this large green adding machine I played with it not as a toy but to see how the various numbers could be arranged What was your first full paying job I was drawn to fashion and first began retail work at the age of 12 with a part time job at Sears which was allowed in those days I then moved on to work for a company called Contempo which sold fashion and I was doing very well in sales One day at work a woman came to the store and after discussing fashion she recruited me to go to work for Nordstrom I did so and grew from sales into management thereafter becoming a buyer at age 21
Did you pursue higher education There was training as a member of the Nordstrom team a company I stayed with for some 10 years When I transitioned into the finance industry I had a mentor for on the job training and there were educational seminars to master within the finance industry There are a number of licenses one must obtain particularly since I am an independent investment advisor Also as a fiduciary the qualifications and certifications are far more rigorous What led you to transition from fashion buyer to financial advisor I truly loved working at Nordstrom however I had given birth and my son had some health issues which required my presence during his healthcare visits My schedule simply would not allow me to breakaway I considered various industries and took an assessment test at MetLife They reported back that I did very well and in their minds I was born for this profession And this was with a husband and 2 children Yes this was with a husband and family of 2 children Multitasking is a trait that I have mastered out of necessity perhaps However once in place it has its own way of keeping you focused and on track So from fashion to finance Yes indeed I joined MetLife and stayed for one year and thereafter chose to follow my manager at MetLife who transitioned over to The Guardian where I was assigned a new mentor and continued to learn the process A large part of the industry as with other industries is prospecting for new clients and then cultivating those leads At that point I was not an investment advisor rather I was learning how potential clients would be introduced to the process established by the firm Having worked for Nordstrom all those years the first rule of business was always customer service and that is what I chose to bring with me into this new endeavor Many within the financial industry may have the technical aspects well in hand but fail to combine that with customer care which is where I believe the distinction lies The conversations about finances reveal very personal information and we strive to create a relationship with the client that creates a trust in our abilities We foster a confidence to openly discuss their assets and their goals or as I prefer to describe it their wish list should money not be an issue What led you to decide to begin your own business It was my mentor who encouraged me to go independent Mind you in those days we might have an educational seminar for advisors within the firm and there would be 500 men in attendance with just 2 women so stepping out to become an independent advisor and fiduciary was certainly unique I began Copia Wealth Management Insurance Services in 2009 and now have a team of 7 which is not common for an independent firm I feel very blessed that I can provide my clients that degree of service Ninety Eight percent of our business is client referred and we honor that trust bestowed upon us What is the meaning of Copia The name is that of the Roman Goddess of prosperity and wealth That is why I chose the name Copia I wanted a strong female influence to be the flagship of our business Did you structure your approach differently when beginning your firm I had learned the processes developed at both MetLife and The Guardian and expanded them to where we can present a financial overlay on one sheet of paper to show a client exactly where they stand financially We then focus on each of the components discussing cash flow management their financial behavior and their relationship with credit cards which through interest payments can be one of the greater money losses The systems and procedures of the planning I do is based on personal economics I have learned the majority of this through a process called LEAP LEAP stands for Lifetime Economic Acceleration Process This was not from MetLife or Guardian It is an outside educational system that I engaged with for part of my education
Was this not once a male dominated industry It is still male dominated with very few women there likely are just a handful of women that own their own investment advisory firms I also have been honored to be the Chairwoman on the Board of a large insurance company in service for 115 years I am always encouraged to see strong women in the role as a financial advisor Today more than ever our world needs women to help guide us Copia offers wealth management and insurance services they seem totally different entities They are and it evolved because we wanted to be comprehensive financial planners Our clients may be single married and beginning to grow their family own a business or near retirement The analogy I use with clients is to envision the shape of a triangle Protection forms the base insurance and liability protection The center would be liquidity and savings Upper level would be those funds one is willing to risk in investments such as the stock market With 99 of wealth managers unsuccessful what has made your business thrive Simply stated it is perseverance and tenacity over the years I am very proud of the fact that 98 of our new clients come from client referrals It reflects on the confidence and trust that those clients place in our efforts to assist them in maintaining and growing their wealth Does everyone get to meet the owner Yes they do as this is my passion and I love doing what we do for our clients What 3 features or services distinquish you from others in the field Very comprehensive financial planning with the degree of customer service that we provide It is understanding the sensitivity and vulnerability a client might feel when sharing their personal finances with us as we strive to establish a trust that we develop with our clients and the integrity that we adhere to within the firm We make the complicated seem easy to implement and understand We make the complicated seem easy to implement and understand Must a client possess a minimum amount of liquidity to obtain services We work with a wide variety of income and asset levels held by our clients We strive to help as many people as possible Do you find that many of your clients truly want to understand the nuances or simply have you point the way I wrote a book titled Wealth By Design which I ask my clients to read before we meet the first time I know immediately who has or has not read the book It is a very complicated comprehensive design simplified I want to help people to have a better relationship with money and know what s happening to their money before they earn it Our unique approach is that we educate and we want our clients to be actively involved if they are actively involved it will become a habit You seem to have a penchant for charitable causes I do have a soft spot for charitable causes Giving back to the causes that God draws me to is very important to me When not crunching the numbers what is your most favorite diversion Spending time with my husband Carl the family and our two chocolate labs Writing and creating What changes do you see forthcoming for Copia My passion is to truly unveil the possibilities of having a great relationship with money So many of us have anxiety in regards to money We work hard for it we tell ourselves that we have to have it but no one has a great relationship with it I want my commitment and passion to help people achieve true understanding and success with their relationship with money I also want to continue to grow the team so eventually they take the firm well beyond in the years to come I want to continue to find more ways to educate people on the importance of having a knowledgeable relationship with money
Katie Steck CASE MANAGER AND CO ADVISOR Case Manager Fiduciary CA LIC 0L77731 WI LIC 18429926 When I first came to Elisabeth as a client when I was 26 I got two things out of it a condo and a job Starting with the condo my husband and I always dreamed of owning our own property but we assumed that was at least five years away Elisabeth in her genius showed us a way we could make it happen and within months we owned a condo Owning a condo in San Diego with my husband while I was in my twenties was such a huge deal for me As amazing as that was something even more transformative came out of hiring Elisabeth as my financial advisor she offered me a job I loved working with her and her team as her client and saw the power of her work so I said yes and decided to join the team At that time I was working as a manager at a major retail chain and while I loved many aspects of my job particularly supporting the young people who worked for us I was looking for a career shift Elisabeth has a background in high end retail at Nordstrom so she saw and appreciated how detail oriented and service focused I was She also liked my midwest work ethic I m from Wisconsin Since then I ve gained my Series 65 investment advisor license I am now Elisabeth s Case Manager and Co Advisor I plan and prepare with Elisabeth for each client meeting sit in with her in all of them take notes follow up and make sure all deadlines are met on our side and the client s side Now that people are more accustomed to working with financial advisors over video calls we are starting to see clients from all over the country Elisabeth and her book Wealth By Design are starting to become a national brand in the financial advising industry As that happens I m going to be absolutely sure we never lose that boutiquefirm personal touch Since I work with all our clients person ally I m well positioned to keep our firm as personalized as possible as we grow nationally
Jennifer Miller CONTROLLER OF OPERATIONS CA LIC 0H63853 I want to meet with you and your husband to talk about this Elisabeth told me one day when I was working for her as an administrative assistant I had walked into work extremely stressed out about an unexpected bill related to my car and she saw how stressed I was I m not doing my job if I don t help you she reassured me I had been running restaurants for fifteen years as a general manager When one restaurant I was managing closed I realized I was burned out and needed a career shift more in line with my bachelor s in business administration and my master s in human resources I found myself in one of the most challenging financial periods I d ever experienced living in my parents home with my husband and toddler out of economic necessity That s when I saw an ad Elisabeth had placed looking for an administrative assistant A month into the job my husband and I had that meeting with Elisabeth after she offered to help me with my financial planning Filling out her advising intake questionnaire was the hardest thing I ever did Seeing the reality of my financial life all on one sheet and then having to hand it over to someone else to look at in harsh light I was completely full of shame And on top of that she was my boss I was so worried she was going to tell me that I needed to claim bankruptcy and that she made a mistake hiring me Instead Elisabeth said I have a dozen different ideas for you guys She showed us how to leverage the only asset in my life at the time which was my car and we wiped out a huge chunk of high interest credit card debt with a low interest loan using the car as collateral Then she showed us how to use a Wealth Recovery Account which is a centerpiece of our planning for clients It became a fun and lucrative game for us to find ways to cut spending and get money into that account which we used for paying off debt and building up a down payment for a condo How did we go from living in my parents basement as adults to owning our own condo Elisabeth taught us about VA loans which we had never heard about My husband served in the Navy These are the kinds of details Elisabeth knows about that completely change lives They changed ours Now we re completely out of debt with a home and a growing investment portfolio We sold our condo at a profit and bought our first single family home in 2016 We re looking to buy our next home this summer and there s no doubt in my mind we can do it I ve been working for Elisabeth since 2012 When our clients tell us I wish I had met you a decade earlier I feel that sentiment on a gut level Had I not met Elisabeth a decade ago I might still be living with my family in my parents basement Now I m a homeowner with growing wealth I owe it all to Elisabeth s caring heart and brilliant mind My parents never thought they could retire abundantly And guess what Elisabeth helped them too it s come full circle in my family Now they are living their dream retirement My whole family s financial life and wealth level have been transformed unrecognizably by Elisabeth That s why we re loyal to her for the rest of our lives
Barbara D Agostino DIRECTOR OF MARKETING I started working in the retirement planning department of a Fortune 500 asset management company right after I graduated from college I was fascinated by the retirement field but at that big company I felt distant from clients there was little personalization of the retirement plans clients were basically treated as a collection of numbers and it all felt very cookie cutter When I started working with Elisabeth there was a night and day difference in how interactive we are with clients The only cookie cutters here are in our home kitchens We take the time to get to know each client and their family their unique circumstances challenges dreams and goals For that reason no two plans we come up with for clients are identical One meaningful way I ve come to know the personalized brilliance of Elisabeth s works is from the advice she s given me and my husband which has been transformative We have a real estate portfolio with rental income and Elisabeth has helped us structure this side business legally in a way that brings us massive financial benefits from reduced taxes and increased deductions to health insurance and retirement plans The guidance Elisabeth has given my husband and I has made our financial life that much more abundant and free with our boys ages five seven and nine They re on a year round school schedule which means they re out for three weeks at a time every three months Our big dream was to be able to travel with them during school breaks and thanks to the abundance Elisabeth helped us create in our own investing and business structure we re able to enjoy new adventures with our boys year round and enjoy precious family time together I strive to be a positive financial role model for our boys and look forward to creating a meaningful legacy for our family with Elisabeth s help I never knew work could be this fulfilling and life could be this free CA LIC 0C72164 0G81294 619 640 2622 619 640 2600 Elisabeth copiawm com 2333 Camino Del Rio South Suite 240 San Diego CA 92108 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisor
Contact Us Today ADDRESS 2333 Camino Del Rio South Suite 240 San Diego CA 92108 CALL or TEXT 619 640 2622 FAX 619 640 2600 EMAIL Team CopiaWM com WEBSITES CopiaWM com CWMAinc com ElisabethDawson com CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment advisor