Financial Planning

Establishing a destination without direction will only take you so far. We help draw a map so you can get where you’re going.

GOAL ASSESSMENT

We begin by helping you determine financial goals, taking into account the particularities and unique factors for each client.

  • Short-term goals are those you hope to achieve in the next five years—such as paying off debt or buying a new car.
  • Medium-term goals are those you hope to achieve in the next five to 10 years—such as the down payment on a home or starting your own business.
  • Long-term goals are those that are 10 or more years away—including college and, of course, retirement.

NET WORTH STATEMENTS AND ASSET PROJECTION

We create and build net worth statements and monitor them on an ongoing basis through Black Diamond, our customized wealth management platform.

CASH FLOW TRACKING​

From budgeting to emergency funds, debt management, and cash flow planning, we customize and track cash flow for our clients.

  • Budget
    Your budget is a key part of the road map and can help you determine where your money is going and where you can cut back in order to meet your goals.
  • Emergency Funds
    When something unexpected happens—you lose your job, for example, or get hit with an unexpected medical bill—an emergency fund can help you avoid tapping your long-term savings to make ends meet.

    It’s generally a good idea to save enough to cover at least three to six months’—but ideally up to 12 months—worth of essential living expenses (e.g., groceries, housing, transportation, and utilities). Save this money in a highly liquid checking or savings account so you can access it in a hurry should the need arise.
  • Cash Flow Planning
    Whether you’re building toward retirement or have already entered into it, assessing your cash flow needs and expense budgeting is critical to developing a sustainable plan. We use tools like MoneyGuidePro, a robust software that accounts for hundreds of variables, to help clients visualize their long-term plans.

INSURANCE PLANNING

Nobody really likes discussing insurance, but we respect its importance in a holistic financial plan. From health insurance to life insurance to long-term care, we advise clients on appropriate levels of coverage. And even though we’re licensed to sell it, we always outsource it to other brokers, never seeking to sell a product to receive a commission.

RETIREMENT PLANNING

Retirement planning determines retirement goals and the actions and decisions necessary to achieve those goals. This includes identifying sources of income, sizing up expenses, implementing a savings program, and managing assets and risk. Future cash flows are estimated to gauge whether the retirement income goal will be achieved.
Ideally, retirement planning is a lifelong process. You can start at any time, but it works best if you factor it into your financial planning from the beginning. That’s the best way to ensure a safe, secure and fun retirement — all reasons to pay attention to the serious and perhaps boring part: planning how you’ll get there.

EDUCATION PLANNING

At least for our own kids, hopefully college is “free” someday! But hope isn’t actually a sound strategy we support. Instead, we help parents and grandparents plan for post-secondary education. We manage both 529 Plans and UTMA accounts.

TAX PLANNING & TAX MANAGEMENT

We aren’t CPAs, but we have years of experience working closely with tax professionals and guiding clients to making tax-efficient decisions. We feel that the relationship between a client’s financial advisor and CPA should be synergistic and proactive. We can work hand-in-hand with your personal CPA, or connect you with one of our preferred local professionals.

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We’ve moved!

Visit us at our new office:

572 SW Bluff Dr #100
Bend, OR 97702

Relationship Specialist

Ben
Graziani

Another accomplished local student-athlete joins the Copia family.

Ben grew up in Palm Desert, California, before moving to Bend, Oregon, right before high school. 

Ben Graziani

He graduated in 2018 from Summit High with a 4.0 GPA, lettering for three years at wide receiver and helping the Storm football team to an OSAA Class 5A State Championship and back-to-back Mountain Valley Conference Championships. He was named a first-team all-league and second-team all-state selection in football. Additionally, he was part of a State Championship 4×400-meter relay team as a junior. He also lettered in basketball.

After high school, he attended Southern Oregon University, where he earned an undergraduate degree in Business with a concentration in Finance. He was a member of the school’s leadership council for three years. He also played football for five years for the Raiders, scoring 8 touchdowns in 13 total starts in a career shortened due to Covid-19 and a collarbone injury. Post-college, he joined the Summit HS football staff as the Varsity Wide Receivers Coach.

 

Ben football

Ben is extremely close with his family. His parents, Tony and Sarah, live and work in Bend, and his younger brother (Montana State) and sister (University of Oregon) both currently attend college. He feels super fortunate to join the Copia team because of how much they value relationships and often put others before themselves. He is super excited to meet all the members of the Copia family and is ready to help in any way that he can!

Ben Fam

Relationship Specialist

George Mendazona

George graduated from Redmond's Ridgeview High School in 2016, following a standout prep baseball career.

George grew up in Madras, Oregon, and graduated from Ridgeview High School in Redmond in 2016, after a standout athletic career where he was an OSAA All-State performer in baseball (three times), basketball (twice), and football (once). He was also recognized as the Intermountain Conference Player of the Year in both Baseball and Basketball in 2015. After high school, he was offered a roster position as an infielder for the Oregon State Beavers baseball program and was part of the 2018 NCAA National Championship team.

After four years at OSU, George transferred to Lubbock Christian University to complete his Bachelor’s Degree in Exercise Science. Instead of pursuing a professional baseball career, he put his Exercise Science degree to work, moved back to Bend, and served as a strength and conditioning coach at Boss Sports Performance.

He considers himself a family man and puts a major personal emphasis on carrying that out on a daily basis. Recognizing that Copia is a family-oriented firm with strong values consistent with his own, George is excited about building relationships with all existing and future Copia clients and is eager to apply his previous experience as a leader on elite teams to learn a new industry and business.

Chief Compliance & Operations Officer

Geoff Gruetzmacher

After serving a 17-year career in firefighting, Geoff has transitioned to wealth management.

Geoff retired from the City of Kennewick, WA Fire Department in 2020, started with Copia in 2021 and is now a fully licensed Fiduciary Advisor of Copia.

During his time as a firefighter, Geoff served as a leader of both an engine and an ambulance crew, enjoying the team aspect of the job and working to achieve a common goal.

Ultimately, Geoff simply wants to continue helping people in a meaningful way. Copia Wealth Management gladly welcomed Geoff to the team for his experience in operations and relationship building. Geoff is now a fully licensed IAR of Copia Wealth Management and always looks forward to conversations with clients. He volunteers with Bend North Little League and works with Bend area animal rescue non-profits.

Geoff graduated from Redmond High School, has been married to his wife, Lindsay (Bend High Grad) for 17 years and has three children, Halle (16), Henry (13), and Harper (10). Geoff enjoys exploring the outdoors with his family, baseball, and cooking.

Fiduciary Advisor
Chief Strategy Officer

Louis Bennett

A fifth-generation Oregonian, Louis moved to Bend in 1995.

He graduated from Bend High in 2003, and attended Point Loma Nazarene University in San Diego.

There he played college golf and graduated with a
degree in Business Administration (concentration in Finance. His work career began as a golf professional which spanned nearly a decade, serving as the Head Pro at Broken Top Club and Tetherow Resort here in Bend. Realizing that in order to continue his ascent in the golf industry that he’d likely have to move his family, and desiring to help people on a deeper level, he made a huge career change and joined the Copia team in February of 2016, and became partner a year later. He enjoys statistical analysis, strategic planning, working in a team environment, and coaching/mentoring/leadership roles.

Louis married his wife, Marrisa (a born-and-raised Bendite), in 2011, and they are proud parents of Jordyn (17), Cambria (9) and Silas (7). He still enjoys playing golf as much as he can, exploring the outdoors with his family, and coaching a variety of sports for kids of all ages, including coaching the Varsity & JV Boys Golf team at Bend High.

FIDUCIARY ADVISOR
PRESIDENT

Aaron Boehm

Aaron has built a successful financial services firm with a simple mindset: he puts relationships first.

Aaron is the President and Fiduciary Advisor of Copia Wealth Management in Bend, Oregon.

With over 20 years of experience, he has managed over $500 million in client assets and has helped hundreds of families reach their financial goals. Having started his career working on the 61st floor of the World Trade Center in New York City, Aaron now enjoys his street-level office in the Old Mill District in Bend, Oregon. But it’s the relationships he has cultivated with clients and firm partners that make Copia what it is today.

Besides serving as a fiduciary to his clients, Aaron also loves coaching baseball at various youth levels. He has been a member of the Summit High School Varsity staff for the past seven years and has run a competitive travel team for both of his boys during this same time. Most importantly, 100% of all the athletes Aaron has coached at the Varsity level have graduated from high school and the team has led the State of Oregon for team GPA five out of the past six years. Go Storm!

When he isn’t sitting on a ball bucket in the yard rooting for the boys, Aaron loves spending time with his wife Katie, sons Nolan (15) and Miles (12), and all their friends. Simple barbecues and backyard games are frequent around the Boehm home in the summers. Aaron is also very active and enjoys golf, fishing, white water rafting, and any other adventures his friends are up for.