2020 was an incredibly difficult and emotional year for all as the pandemic, among other things, disrupted the economy, plunging it into a deep recession. As I reflect on this period, myself and everyone here at Copley Financial Group, Inc. are grateful for the relationships we have with you.

Covid-19 disrupted our economic, political, and social systems entirely. It is known that life won’t ever be the same after the pandemic, and changes will be needed to create a better inclusive and sustainable environment going forward. People are calling it “The Great Reset”.

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.

Well, it’s not going to sound so crazy when the program to make all of this possible has been standing right in front of you this whole time, and that’s what I want to talk to you today. I call it “the ultimate way to take advantage of the program”.

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 relocation add quality of your life?

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. Frank dialogue and forward planning is invaluable when your parents go through this process.. There are lots of decisions to be made. And it is better to make those decisions in advance.

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.

It looks like every person is speculating on which will be better for the stock market: an election of the former Vice President Joe Biden or a re-election of President Donald Trump. While opinions can be extremely polarizing by each person’s political preferences, the final outcome is going to be interesting for the market.

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.

Social Security should be the cornerstone for income planning for anyone who is about ready to retire. Here are three reasons why: Social Security makes up on average almost 65% of the total household income. It's the best annuity money can buy. For a married couple, when to elect Social Security may be the most important decision they make in retirement.

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.