Copper Creek Financial is an independent financial services firm based in Annapolis, Maryland, serving people who are approaching or beginning retirement. Founded by brothers Jacob and Luke Serfas, the firm helps clients turn a lifetime of savings into a coordinated retirement strategy and dependable income. Its planning process begins with a conversation about the client’s goals, followed by a review that tests the existing plan against market history, taxes, and inflation.

Copper Creek Financial offers guidance across five connected areas: retirement income, investments, healthcare, tax planning, and estate and legacy planning. Services include developing income strategies, creating personalized investment approaches, planning for medical and long-term care costs, coordinating account withdrawals with tax considerations, and preparing to pass on assets according to a client’s intentions. The firm emphasizes clear explanations, tailored advice, and ongoing support as circumstances change. Its founders bring financial advisory experience, military service, and specialized training in federal employee benefits.