"We were newlyweds in 1990 and just starting out our careers.  We were quite ‘green’ to the financial world and were unaware of what amazing saving vehicles were out there.  Coley Davis, Sr. contacted us and educated us with invaluable life insurance and financial information. We felt comfortable and trusted him with handling our finances.  We immediately became his clients. As a result, he has guided us financially in a positive direction to ensure that we have the resources and funds needed for our retirement years. 

The client and customer relationship that we have built over the past 3 decades is a testament to his diligence, perseverance and care in providing us with the best financial services possible. Coley is very accomplished in his field of fiduciary advice.  Additionally, he is caring, compassionate and we absolutely love that he is family oriented. He is more than a financial advisor, he is a friend. 

We have 2 beautiful kids and because of Coley, we were able to educate, share and instill in them the power of saving at an early age. We are thrilled that our children listened and took our advice to invest.  We are grateful they contacted Coley to discuss the best investment for their monies with his firm, C.B. Financial Insurance Services . They are excited to have an investment plan for their future.

I (Carlos)  have known Coley, Sr. since 1985 as we worked law enforcement together.  My wife (Emily) met him shortly after the following year. 

We would absolutely rate C.B. Financial Insurance Services with 5/5 stars.  We would recommend them wholeheartedly to anyone looking to create a financial plan.  Coley and his entire team (family) are very knowledgeable, professional, trustworthy, approachable and are a complete joy to work with."

"Coley B. Davis III, President of C.B. Financial Insurance Services, is a man of integrity and is extremely dedicated to the profession of financial planning for his clients. Through a series of questions that the client fils out, he is able to create a financial plan to meet the needs of each individual client.

I've known Coley since 2010 when he took my jumbled financial accounts and developed an organized, well-rounded, and diversifed portfolio that took us into retirement feeling safe and secure.

Customer service is excellent and educational! I would rate the overall professionalism, financial planning, and personal attention of the company to be outstanding! (5 out of 5).

The whole team has been an example to us of great trust and integrity. It will be an honor to continue working with them for years to come."

"I have had a 10-star experience. They are never too busy to respond to my questions .. no matter how simple minded they may be.. I would highly recommend their services to anyone, no matter how much you have to invest. They treat you with such respect and I feel they guide you to the best investments.. as if it were their own money. Thank you so much for all your help over the years!!"

"In 1993, we had just moved into our new home in Chula Vista, California. I had recently retired from the United States Navy and begun working for a small asphalt paving company. It quickly became clear that while my military retirement would cover the house payment, we would need to build a second retirement plan to secure our future.

We had already started investing through a large insurance company and had some funds with a major brokerage firm when my wife came home one day and said, “You need to hear this guy named Coley Davis talk about investment and retirement planning.” The last thing I wanted was to sit through a pitch from someone looking to separate us from our hard-earned savings. But my wife is persuasive—especially when she’s convinced she’s right—so we scheduled a meeting.

Coley showed up on time, which immediately made a good impression on me as a military man. He got straight to the point, walking us through various investment and retirement planning opportunities, how risk should be managed based on age, and the importance of a long-term plan. He emphasized that he personally invested in every option he recommended. After two hours of clear, thoughtful education, we signed on.

Within just a few years, our investments with Coley were growing faster than those with the insurance company or brokerage firm. I couldn’t understand how he was able to deliver better results and still make a living—until he explained that he didn’t take a large commission upfront. Instead, he earned small amounts annually, which we barely noticed. In fact, the fees were significantly lower than what we had previously been used to.

Thanks to C.B. Financial Insurance Services, Inc., we are now fully retired and enjoying life in a beautiful place. We couldn’t have done it without him. Thank you, Coley."

"My wife and I have known Coley and his wife for over 30 years and enjoyed watching their children grow. We have been clients of his for almost that long.  Thanks to Coley’s guidance and advice my wife and I have been comfortably retired for more than 10 years.  We have been so satisfied with the work Coley is doing for us that we have recommended him to family and friends. There are now numerous family members and friends who have become clients of Coley’s. While my wife and I are not one of Coley’s larger clients, I am confident that we are and have been treated the same as the larger clients.

"I’ve been thinking about how to respond to this request. I really don’t think words suffice. Our relationship has been decades long and spans the life of my children. You came into my life at a time when I was about to experience the most devastating losses imaginable.  A train wreck. You put systems in place in an effort to protect me. Financial devastation ALMOST ruined me and put my kids at risk. But I was not ruined. With your insight and advice I was able to pick myself up and start again. This is just the beginning of our story together .

You have since supported my mother, my brother, my children, and my husband. I am now in a comfortable retirement and feel confident that whatever mishaps life throws at me you will be there to help guide me. The trust we share and the knowledge you have of me, my weaknesses, my blind spots, and vulnerabilities is probably more intimate than most marriages. To say I trust you to always have my back sounds trite to what we have already experienced together. Money is a very personal and intimate thing to trust with a person. I trust you and your family with my money. That should tell you everything. 

"I’ve worked with Coley for the past five to six years, and I can honestly say he’s played a huge role in helping me feel confident and prepared about my financial future. From the very beginning, he’s been consistent, patient, and incredibly thorough in how he explains things. Whether it was walking me through credit card decisions, long-term planning, or simply helping me understand why certain steps mattered, he always took the time to make sure I felt comfortable and informed.

What sets Coley apart is his honesty and straightforwardness. He doesn’t push, he doesn’t overcomplicate things, and he genuinely has your best interest in mind. That trust is why I’ve recommended him to multiple people over the years, and every person I’ve sent his way has had a great experience as well.

Beyond the financial side, it’s been awesome working with him and his family. You can tell they truly care about the people they serve, not just the numbers. If you’re looking for someone you can trust long-term, who will give you solid advice and actually walk alongside you through the process, I can’t recommend Coley enough."

"We met Coley in early 2022 and have been his client since then.

We first met with Coley because he came highly recommended by a trusted family friend. We had investments through another firm but felt skeptical about them. We had Coley review them and our suspicions were confirmed. He took so much time reviewing our investments and we felt he went above and beyond what we would have expected.

5/5 stars!"

"Working with Coley & his team has been an incredible experience. When I was 19, he helped me set up a Roth IRA and took the time to explain why it was such an important step for my long term financial success. He made everything easy to understand and helped me feel confident starting early rather than overwhelmed or unsure.

What stood out to me was how intentional and supportive he was throughout the process. He truly cared about setting me up the right way and made sure I understood the bigger picture (compound interest!!!)… not just the immediate steps. Even at a young age with my desire for maximum growth and high risk, he treated my goals seriously and gave thoughtful guidance that has continued to pay off.

Coley is extremely knowledgeable, resourceful, and genuinely invested in the people he works with. I am grateful for the foundation he helped me build and would highly recommend him to anyone looking for a financial consultant/advisor who truly cares about your future."

"C.B. Insurance Financial Services Inc. has proven to be a highly reliable and customer-centered provider for many financial services. One notable aspect of their service is their comprehensive range of insurance products, catering to diverse needs and preferences. The company's competitive premiums and flexible policy options make it accessible to various individuals and businesses.

Its emphasis on customer satisfaction sets C.B. Insurance Financial Services Inc. apart. Coley Davis and his staff do a remarkable job in finding the right product based on individual needs, no matter their level of income. Every client is treated with the highest respect. C.B. Insurance Financial Services Inc.'s customer service team is known for being responsive, knowledgeable, and dedicated to helping clients navigate the complexities of insurance. Whether assisting with policy selection, clarifying coverage details, or facilitating claims processing, C.B. Insurance Financial Services Inc. strives to provide its customers with a seamless and positive experience. This commitment to customer service contributes significantly to building trust and long-term relationships with its clients.

I have known Coley for forty-five years (45) and have been his client for approximately fifteen years (15). I have recommended several of my family members, friends, and many First Responders to his company.

Additionally, from past and current reviews and awards, C.B. Insurance Financial Services Inc. has a solid financial stability record, instilling confidence in its ability to fulfill policy obligations. Their prudent financial management and strategic investments ensure they can meet their commitments, even in challenging economic conditions. C.B. Insurance Financial Services Inc. stands out as a 5-star trustworthy company for individuals and businesses seeking a reliable and reputable insurance provider."

"Coley has been an outstanding financial advisor. I trust him completely, not just with my investments but with the long-term planning that really matters. He’s knowledgeable, reliable, and always provides clear, confident guidance. I couldn’t ask for someone better to manage my financial future."

"We were referred to Coley by a friend at work from the National City Police Department (N.C.P.D.). Coley and his team have assisted our family in implementing Life Insurance, a Revocable Living Trust, and a Secure Annuity Program for our retirement.

Coley has been a major contributor and counselor in our retirement planning. This team is proactive and always available for any questions or concerns. We have known Coley and his team/family for over 23 years. We are not merely his clients, we are treated like family. We completely trust Coley and his staff with our investments. They are a pleasure to work with. We would definitely give Coley and his dynamic team a 5/5 star rating!"

"In an industry that’s ravaged with greed and people who won’t even look at you if you’re not walking in with over 50k to invest CB Financial bucks that trend and brings back mom & pop vibes in a sterile industry. Coley Sr. & Jr. are very helpful, knowledgeable and genuine good people that want to help others succeed and be financially free. They treated me like I was walking in with Warren buffet money and trust me when I say I was not! If you feel lost, this is your sign to give them a call."

"I've been working with Coley Davis for more than 20 years. My trust in him and the rest of the team in all financial matters is 100%. They are all extremely professional, knowledgeable, friendly and truly caring. I will continue to refer my friends and family to C.B. Financial!"

"Coley has been our Financial Planner since 2018. The difference between the “billion-dollar financial firms” and C.B. Financial Insurance Services, Inc. is that Coley and his team truly treat their clients like family. Coley has taken the time and care to treat my family like his own, whether it be questions about retirement planning, buying real estate, speculative investments or just needing personal advice.

Coley and his family are knowledgeable and have a deep understanding of personal finance and market dynamics.The C.B. Financial Insurance Services, Inc. family are not just Financial Advisors, they are partners that can be trusted. They genuinely care about helping their clients achieve their short-term and long-term goals."

"We were recommended to C.B. Financial Insurance Services, Inc. by family members five years ago.

When we met with Coley Davis and his team they reviewed our accounts and gave us advice on ways we could improve the return on our investments. This information was given in a clear and precise presentation.

After this meeting, we were confident that C.B. Financial Insurance Services, Inc. would provide a wide range of knowledgeable and honest investment opportunities. These investment options gave us the choice to match our retirement goals and risk tolerance.

Since we've been with C.B. Financial Insurance Services, Inc. we have experienced financial improvements. We receive personal attention from all team members. They keep us informed and we are comfortable in contacting them with any questions we might have.

We are confident that they will continue to provide excellent financial advice and service."

"I've been with the Davis Financial Firm for years now and it's been one of the best decisions I've ever made. They are a family firm that I feel completely safe with and am made a priority."

"We have known Coley for over 40 years. He is the most trustworthy man we have ever met. We entrusted him with our life savings and have been extremely pleased with how he has managed our nest egg. The investments he established for us have been sound, safe, and have delivered strong returns.

Coley has also assisted us with our life insurance needs. We feel the same way about his son, Coley IV. Like his father, he is a man of the highest integrity. We are just as comfortable working with Coley IV and have complete confidence in his abilities. We fully trust him to manage our investments.
The entire team is outstanding. Their customer service is exceptional—they are always professional, friendly, and eager to assist with any need we may have.

We have referred both family and friends, all of whom have been very happy with the services provided. We highly recommend them. It’s a great feeling knowing our investments are safe and in such capable hands. We feel very fortunate to have someone in our lives whom we can trust completely."

"My family and I been clients of C.B. Financial Insurance Services, Inc. for 5 years, and could not have had a better experience. The level of detail and expertise the family brings to your experience is truly unique. They carefully curate a plan that is straightforward and easy to follow, that is also completely based on your wants, needs, and risk aversion. I recommend their firm to everyone in need, as they walk you through the process, while following up periodically with the progress of your portfolio. If you miss a monthly contributions, they are immediately notified and relay the message before default.

Regardless of the time you've known them, the Davises have a remarkable way of making you feel like part of their family."

"I have been utilizing C.B. Financial exclusively for all of my insurance/annuity planning for over twenty years. I can honestly say one would not find a more professional firm offering financial services than C.B. Financial Insurance Services. The business is family-run with Coley Davis III at its helm. No smoke, no mirrors, just sound, down-to-earth financial planning and good advice based on one's needs in a friendly, personable atmosphere. Highly recommended."

"The Davis family treated me as more than a client, truly valuing my portfolio as if it were their own so that my assets could grow exponentially. Highly recommend them for anyone looking to gain long-term wealth from high-quality people!"

"My husband and I retired several years ago and a coworker referred us to Coley’s financial firm. He has a family owned business and cares deeply for his clients success not just in retirement but investments across the board. We transferred my TSP funds and my husband’s 401K into various growth accounts based on Coley listening and asking questions as to where we were with the type of risk/reward we were comfortable with.

We have maintained steady growth over the years in our investments. We even talked with Coley Sr. and Coley Jr. last year about increasing the risk investment and his choices of funds have been excellent thus far. I also want to thank Tasha who has been great in assisting us with selling, payouts, online account setup and any assistance we have needed with paperwork. We would highly recommend C.B. Financial Insurance Services, Inc.!"

"I’ve been a client of Coley and CB Financial Services for over five years, and the experience has been consistently exceptional. Coley’s honest, patient approach makes complex retirement and investment decisions feel straightforward, while the Davis family’s meticulous planning tailors every strategy to your goals, risk tolerance, and needs. Their responsiveness—alerting you to missed payments and providing regular portfolio updates—creates a trustworthy, family like partnership. If you’re looking for a reliable advisor who truly cares about your financial future, I can’t recommend them highly enough.

I have also referred immediate family members of mine to the Davis for financial planning and wealth management as I feel that they have all their client’s best interests in mind."

"Wonderful services and wonderful people! I've been a client for ~ 5 years. Coley and team have patiently educated, advised, and communicated with me every step of the way!

When I first went with their services I only had a Roth IRA, but as my career and family have grown, they've helped me adapt by adding additional financial, insurance, and estate planning vehicles. Making me feel safe and secure for my family's future."

"I’ve had such a genuinely positive experience working with Coley III and Coley IV at C.B. Financial. I was introduced to them back in 2020 through a close, trusted friend, and I’m incredibly thankful for that connection.

From the start, they’ve been diligent about making sure my portfolio truly aligns with my goals and income needs, and they’ve always made themselves available whenever I’ve had questions or concerns. What really stands out is their guidance and patience—they’ve taken the time, again and again, to explain things clearly and thoughtfully over the years. It’s honestly so difficult to find a financial team you can fully trust, which makes me even more grateful to have them in my corner.

My only regret is not finding them sooner. Saying I highly recommend them almost feels like an understatement—they’re not only knowledgeable and sharp, but also men of strong integrity who genuinely care about their clients. Thank you so much for your kindness and unwavering commitment to ensure my financial success! :)"

"They have been extremely helpful in helping me learn about how to best set myself up financially. Giving advice, answering questions, checking in from time to time to make sure I'm happy, etc. I feel a lot more comfortable about my financial situation both short-term and long-term."

"It's often difficult to find a great financial planner who has their client's best interest at heart, is trustworthy, dependable and efficient. This is the company that offers all of this and more! A family business, honest and hardworking, Coley B. Davis and his team offer seamless financial planning services and advice, including retirement and estate planning. They have advised me and my family on numerous types of investments over the years, and ALL of them have been successful! They offer personalized services tailored to your financial goals, and if you have questions you can actually call and get a caring human being on the phone. Their customer service and staff are wonderful that way! If you want to invest your money with a responsive, honest, client-focused team, this is the company for you!

"My wife has known Coley Davis for over 30 years, and was one of his first clients. When I saw how well he handled her investments, and realized how trustworthy and honest he was in his business dealings, I decided to invest with him as well. Over the years, the returns on our investments have been remarkable, and Coley has helped me develop many strategies for protecting my money. My wife and I are now happily retired, and living the good life in Florida. Coley Davis and his wonderful staff have helped make this possible. We are so glad we allowed C.B. Financial to manage our finances."

"We have know Coley III for over 25 years. We have trusted him with our funds and investments and he has never let us down. We were introduced to Coley IV about 5 years ago (in 2021) and they both work hand in hand for whenever we need financial advice. C.B. Financial Insurance Services, Inc. is a company that you can trust."

"Coley and family have treated me very well over the last number of years. They have executed on what they initially talked to me about. They are professional, friendly and best of the best in San Diego."

"C.B Financial has been our financial planner for 10+ plus years and it has been a wonderful experience. Coley explains everything in a way you understand what is going on with your finances, investments etc. In addition to being our financial planner, we feel like we are part of the family. We highly recommend using C.B Financial, it has been a wonderful relationship."

"My wife and I are very grateful to have the Davis financial company on our side. They have provided guidance, guarded our portfolio, and treated us not as a number, but as family. I feel our funds are very well taken care of, with them looking out for our best interests and guiding us toward retirement. I’m very grateful to be with their company and plan to continue with them as long as possible. 

I rate this company five out of five stars because they respond to all your questions, and it’s a real human answering them, and not AI ha ha. If anyone is considering an administrator for their finances, I highly recommend them. You’ll be at ease and confident that your funds are secure."