VIP PERSONAL INTRODUCTION
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VIP Personal Introduction The greatest compliment you can give us is an introduction to a loved one or friend 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
Dear Introduction You have probably never heard of Copia Wealth Management and Insurance Services but one of our top clients and mutual friend suggested I be introduced to you 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 your friends for a while now and built a great relationship of trust with them and their family 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 needs 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 independence Included in this booklet is information about our firm We look forward to hearing from you to reserve a time to meet in person Sincerely Elisabeth Dawson President and CEO Pg 2 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
Our Vision is to do great things for great people to create an amazing life by design and not life by casualties Our Mission is to consciously analyze strategize find solutions and support people in avoiding worry and emotional suffering that is commonly attached to the psychology of money We 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 overcomes a life of quality and happiness That is why we are passionate and caring on simplifying the complexity of money and financial issues in all these areas of life We care and take seriously all coaching processes reason being why we 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 Pg 3 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
Empowering You to Achieve Financial Independence Through Financial Coaching Just imagine a complete plan where all your insurance financial retirement planning and estate planning needs are addressed and easy to understand Our comprehensive and coordinated approach ensures that your plan is developed using a holistic view Our experience shows that our clients needs are best met by focusing on processes and most importantly people We offer Financial Coaching Life Insurance Disability Income Protection Beneficiary Review Retirement Planning Analysis Pension Defined Benefit Plans Analysis of Present and Future Expenses Cash Flow Annuities Distribution Strategist Estate Planning Charitable Giving Asset Protection Income Planning Exit Strategies College Planning Pg 4 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
What Keeps You Up at Night Will I outlive my money Can I afford to retire Can I pay my bills What Health Insurance option is right for me What will Medicare cover Do I have enough money for a down payment on home Can I afford to pay for my children s college education Who will take care of my children if I pass away Can I afford to start my own business Can I afford to go back to school How do I Buy or Sell a Business Pg 5 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
The Copia Wealth Acceleration Pathway COPIA Vision Invent your ideal future During this meeting we ll explore your dreams hopes and bigger game you want to play We ll show you surprising strategies for making a meaningful transformation in your human intellectual financial and civic assets By understanding what s possible empowers you to turn your wish list into a got it list COPIA Wealth Acceleration Pathway You ll learn about the key concepts principles and strategies for accelerating your wealth starting rightfrom wherever you are now You ll get clear about the steps to take to produce results that mean the most to you COPIA Discovery Review We take you through a structured comprehensive approach for understanding your current financial position resources strengths and opportunities COPIA Present Plan Your Current Financial Snapshot After gaining an understanding of your current situation we take a one page look at where you are financially the products tools and strategies you have and a list of action items to complete COPIA Success Formula This meeting ensures your understanding of necessary financial principles and the recommended success formula for your financial and civic assets Some of the key areas include wealth transfers recovering lost opportunities costs and getting one dollar to do the work of many We also discover hidden assets money and other assets and find and plug money leaks Copia Wealth Acceleration Strategies We give you a clear numerical x ray of your current economic environment this is the road you re heading down We ll identify real and potential problems Then we ll show you how to make more efficient financial decisions by re directing your existing resources COPIA Action Blueprint The Copia Action Blueprint is a visual model that shows you a set of unique strategies for achieving wealth and prosperity This blueprint also provides mathematical calculations verifying that there is a more efficient way to accelerate your wealth These strategies create better benefits more money supply and improved cashflow that enhances your lifestyle without spending any more you are currently spending today COPIA Acceleration In Action With all contracts supporting documentation and preparatory steps completed your Copia team begins implementing your wealth acceleration plan and making things happen This is a very exciting time because all your efforts are coming to fruition and now you get to see your money actually working for you COPIA Accountability Factor To ensure you stay on track we arrange private coaching sessions as well as monthly quarterly and annual review meetings Pg 6 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
Meet Our Team Hello It is our pleasure to welcome you to Copia Wealth Management Insurance Services We choose our Team carefully and hold the quality of work we produce to a level of excellence Our team s level of commitment and loyalty to our mission is what makes us confident in being able to serve you in the way that we do Please take a moment to learn a little about what each of our team members are doing every day for clients like you ELISABETH DAWSON JENNIFER MILLER President CEO for Copia Wealth Management Insurance Services and Copia Wealth Management Advisors Inc Elisabeth is the founder of Copia Wealth Management Insurance Services and Copia Wealth Management Advisors Inc Her macroeconomic approach begins with a comprehensive evaluation of a client s Wish List and financial engineering strategies to achieve successful results with minimized risk Unlike other traditional financial planning firms COPIA Wealth Management Insurance Services with Elisabeth as President and CEO will educate and counsel you through every financial task and decision in your life Elisabeth specializes in working with entrepreneurs small businesses individuals couples families and multi generational legacy families Her financial areas of expertise include insurance various investment strategies income protection tax mitigation strategies and wealth accumulation strategies JENNIFER MILLER HR Director Executive Assistant to CEO General Manager for Copia Wealth Management Insurance Services and Copia Wealth Management Advisors Inc Jennifer has been with Elisabeth for over five years As Elisabeth s right hand lady she wears many hats Jennifer is our General Manager Human Resources Director and the Executive Assistant to Elisabeth Using her experience and knowledge she guides the rest of the team to do their best for our clients every day Pg 7 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
KATIE STECK Case Manager at Copia Wealth Management Insurance Services Copia Wealth Management Advisors Inc Katie our Case Manager keeps herself very busy prepping and managing all ongoing cases She is the bridge of communication between Elisabeth and our clients She helps Elisabeth design plans for our clients that lead them to success and to achieve their goals MELISSA FLORES Event Coordinator at Copia Wealth Management Insurance Services As Event Coordinator Melissa helps enhance our visibility in the local community by assisting with the development of our local marketing materials and planning successful events She is also on top of all marketing initiatives Her commitment to customer service continues to be the priority BARBARA DAGOSTINO Marketing Director at Copia Wealth Management Insurance Services Barbara is our Marketing Director She is responsible for planning and implementing sales marketing and product development programs both short and long range Barbara also plans and oversees advertising and promotion activities including print online electronic media and direct mail Pg 8 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
STEVEN KIME Junior Executive Assistant at Copia Wealth Management Insurance Services Steven is our Junior Executive Assistant He assists with the day to day responsibilities Through monitoring case development and scheduling appointments he is eagerly learning the ins and outs of the financial industry while also keeping excellent customer service his number one priority NICOLETTE SANDERS Administrative Assistant to General Manager at Copia Wealth Management Insurance Services As the Administrative Assistant to the General Manager Nicolette works behind the scenes helping Jennifer keep the office running smoothly She not only keeps the office and calendar organized but keeps track of all correspondence with clients and business associates Her commitment to customer service continues to be the priority RACHAEL SCHERBAUM Junior Executive Assistant to General Manager at Copia Wealth Management Insurance Services Rachael is the Junior Executive Assistant to our General Manager Under Jennifer s wing she assists with the day to day responsibilities that keep the office running smoothly She not only keeps the office organized but helps monitor case development and scheduling appointments while eagerly learning the ins and outs of the financial industry Her commitment to customer service continues to be the priority Pg 9 2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
How Much Money Will You Need In Retirement What is enough If you re considering retiring in the near future you ve probably heard or read that you need about 70 of your year end salary to live comfortably in retirement This estimate is frequently repeated but that doesn t mean it is true for everyone It may not be true for you Consider the following factors Health Most of us will face a major health problem at some point in our lives Think for a moment about the costs of prescription medicines and recurring treatment for chronic ailments These costs can really take a bite out of retirement income even with a great health care plan Heredity If you come from a family where people frequently live into their 80s and 90s you may live as long or longer Imagine retiring at 55 and living to 95 or 100 You would need 40 45 years of steady retirement income Portfolio Many people retire with investment portfolios they haven t reviewed in years with asset allocations that may no longer be appropriate New retirees sometimes carry too much risk in their portfolios with the result being that the retirement income from their investments fluctuates wildly with the volatility of the market Other retirees are super conservative investors their portfolios are so risk averse that they can t earn enough to keep up even moderate inflation and over time they find they have less and less purchasing power Spending habits Do you only spend 70 of your salary Probably not If you re like many Americans you probably spend 90 or 95 of it Will your spending habits change drastically once you retire Again probably not Will you have enough When it comes to retirement income a casual assumption may prove to be woefully inaccurate You won t learn how much retirement income you ll need by reading this article Consider meeting with us and we will help estimate your lifestyle needs and shortterm and long term expenses 2333 Camino Del Rio South Suite 240 San Diego CA 92108 P 619 640 2622 F 619 640 2600 www CopiaWM com Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
Could Insurance Rescue You in Retirement Certain kinds of coverage may help to sustain you financially in an emergency You plan for retirement with expectations in mind You hope to enjoy a certain quality of life with sufficient income resulting from smart financial choices Ideally your future unfolds as planned j But what if the unexpected happens Will you have the right insurance in place to deal with it Insurance matters more in retirement planning than you may think It is seldom top of mind in retirement planning conversations but the right coverage could help you maintain some financial equilibrium in the face of sudden money pressures A life insurance payout could provide income for a surviving spouse Thanks to late night TV commercials marketing small funeral insurance policies many retirees associate life insurance benefits with paying off burial costs Benefits from larger policies can potentially accomplish much more k Suppose a 75 year old widow receives a 500 000 death benefit from a policy purchased by her late spouse An income stream could be arranged from that death benefit with the widow receiving 20 000 annually from that lump sum or more into her nineties The payout could also be invested Liability insurance could help you out in retirement As an example say you are one of three drivers involved in a multi car accident that leaves a teenager with a disability You are the only driver cited for a traffic violation and you happen to be in your seventies You could now be a target for predators and creditors Say you have some neighbors over for a barbecue and one of them stumbles on your patio and breaks an arm or a hip a lawsuit may be next Few retirees think about or carry umbrella liability policies but more may want to consider them What if you or your spouse need long term care Genworth s 2016 Cost of Care Survey says that the median cost of a semi private nursing home room was 6 844 last year How many years of such care would you be willing to pay for out of your savings True long term care insurance has grown costlier True some people may never need it Even so three or four years of such care for you your spouse or your elderly parents might draw down your retirement savings more quickly than you would imagine Think of how large those costs might be ten or twenty years from now Long term care coverage may end up being worth every penny 1 k Insuring yourself against the above possibilities is only prudent With such coverage in place you may go a long way toward insuring the quality of your retirement as well Citations 1 genworth com about us industry expertise cost of care html 6 22 16 2333 Camino Del Rio South Suite 240 San Diego CA 92108 P 619 640 2622 F 619 640 2600 www CopiaWM com www CWMAinc com Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
The Risk of Being a Suddenly Single Woman Contending with the possibility of widowhood On average women outlive their husbands According to the Social Security Administration s estimate the average 65 year old woman will outlive the average 65 year old man by more than two years dying at age 86 Averages aside it also estimates that about a quarter of today s 65 yearolds will live into their nineties Around 10 will live to age 95 or beyond 1 Eyeing these figures it is easy to deduce that some women may outlive their spouses by five years or longer and contend with complex financial issues after age 85 There is one detail however that all these facts and figures leave out The average age of widowhood in the U S is 59 A widow might spend 30 or more years managing her finances Is she prepared for this possibility 2 Too often conversations about money are male driven A recent Key Private Bank survey confirms this The wealth management firm polled financial professionals and the advisors responding said that women took the lead in just 3 of their talks with married couples More than 80 of these advisors said that most of their female clients had no contingency plan to respond to the risk of being widowed 2 Women need to plan for the probability of someday managing their finances Given the above statistics probability is not too strong a word What steps should be taken Both spouses should be financially literate Some women are extremely well versed in investing retirement planning and personal finance matters A successive investment policy can be determined A widow may want or need to take a different investment approach than the one stated in a couple s investment policy statement IPS This approach needs to be one she is comfortable with but it must not be so risk averse that it jeopardizes her potential to sustain her standard of living in the face of inflation
Sufficient insurance and a thoughtful estate plan need to be in place If a spouse dies the death benefit from a permanent life insurance policy may ease some of the financial pressures that follow Upto date beneficiary designations trusts and other estate planning mechanisms may help assets transfer from spouse to spouse and within the family without contention or undue delay A good estate plan clearly defines the steps of the asset transfer process for a surviving spouse and other heirs An asset map should be prepared for a surviving spouse Some widows must search for vital financial documents because a deceased spouse left them in an obscure location Other times a widow is left with only a hazy understanding of how many accounts there are how they are titled and how to address the requirements of asset distribution or transfer Each spouse should have a copy of a document or access to an online or brick and mortar vault where this information is kept This is the information from which much of a widow s financial future may be planned With a clear understanding of where she stands financially a widow may evaluate her investment and wealth management options and take steps toward the next phase of life with some confidence Citations 1 ssa gov planners lifeexpectancy html 12 18 17 2 cnbc com 2017 09 05 how to prepare for being suddenly single html 9 5 17 License 0C72164 0G81294 Copia Wealth Management Insurance Services 2333 Camino Del Rio South Suite 240 San Diego CA 92108 P 619 640 2622 F 619 640 2600 www CopiaWM com www CWMAinc com Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
Insurance Investments A good financial strategy is not just about making money it is also about protection Some people mistake investing for financial planning Their financial strategy is an investing strategy in which they chase the return and focus on the yield of their portfolio As they do so they miss the big picture Investing represents but one facet of long term financial planning Trying to build wealth is one thing trying to protect it is another An effort must be made to manage risk Insurance can play a central role in wealth protection That role is underappreciated partly because some of the greatest risks to wealth go unnoticed in daily life Five days a week investors notice what happens on Wall Street the market is constantly top of mind What about those back of mind things investors may not readily acknowledge What if an individual suddenly cannot work Without disability insurance a seriously injured or ill person out of the workforce may have to dip into savings to replace income i e reduce his or her net worth As the Council for Disability Awareness notes the average length of a long term disability claim is nearly three years Workers compensation insurance will only pay out if a disability directly relates to an incident that occurs at work and most long term disabilities are not workplace related Disability insurance can commonly replace 40 70 of an individual s income Minus disability coverage imagine the financial impact of going for instance three years without work and what that could do to a person s net worth and retirement savings 1 What if an individual suddenly dies If a household relies on that person s income how does it cope financially with that income abruptly disappearing Does it spend down its savings or its invested assets In such a crisis life insurance can offer relief The payout from a policy with a six figure benefit can provide the equivalent of years of income Optionally that payout can be invested Life insurance proceeds are usually exempt from income tax although any interest received is taxable 2
Most people want a say in what happens to their wealth after they die Again insurance can play a role At a basic level those with larger estates may use life insurance to address potentially large liabilities such as business loans mortgage payments and estate taxes An ILIT may also shield the cash value of a life insurance policy from predators and creditors Beyond that a sizable life insurance policy can be creatively incorporated into an irrevocable life insurance trust ILIT through which an individual can plan to exclude life insurance proceeds from his or her taxable estate 3 Yes the estate tax exemption is high right now 5 49 million Even so if a person dies in 2017 while owning a 5 million life insurance policy and a 500 000 home his or her estate would be taxed An ILIT would be a useful estateplanning tool in such a circumstance 3 Why do people underinsure themselves as they strive to build wealth Partly it is because death and disability are uncomfortable conversation topics Many people neglect estate planning due to this same discomfort and because they lack knowledge of just how insurance can be used to promote wealth preservation The bottom line Insurance is a vital necessary aspect of a long term financial plan Insurance may not be as exciting to the average person as investments but it can certainly help a household maintain some financial equilibrium in a crisis and it also can become a crucial part of estate planning Citations 1 nerdwallet com blog insurance disability insurance explained 6 27 16 2 tinyurl com knroq9u 3 27 17 3 thebalance com irrevocable life insurance trust ilit estate planning 3505379 3 21 17 2333 Camino Del Rio South Suite 240 San Diego CA 92108 P 619 640 2622 F 619 640 2600 www CopiaWM com Investment advice offered through Copia Wealth Management Advisors Inc Copia Wealth Management Advisors Inc is a registered investment adviser
2333 CAMINO DEL RIO SOUTH SUITE 240 SAN DIEGO CA 92108 PHONE 619 640 2622 FAX 619 640 2600 CA LIC 0C72164 0G81294 Elisabeth CopiaWM com www CopiaWM com
