One team. One office.
No handoffs.

Troy Koepplin

FOUNDER

An IRS Enrolled Agent and LPL Investment Advisor Representative with 30 years in financial services, Troy helps clients coordinate tax planning with investment and insurance decisions.

His career began in 1996 as a stockbroker — and taught him, mostly, what not to do. The firm sold stock; it didn’t plan. From 1997 through 2008, he worked in a national wholesaling role with financial advisors across the country, focusing on risk management, tax-aware investing, and asset-protection strategies. In 2008, Troy started his own independent practice, which evolved into San Diego Tax & Financial Associates in 2012.

Troy is an IRS Enrolled Agent, a federally licensed tax practitioner with broad rights to represent taxpayers before the IRS. He earned a Bachelor of Science in Business Administration with an emphasis in Finance from San Diego State University.

Troy lives in Carlsbad and enjoys traveling with his family. In recent years, those trips have included Costa Rica with his mother and son, James, Africa with his mother, and Spain with James. James is now in law school at the University of Iowa. Closer to home, most evenings you’ll find Troy running the beach with his dachshund, Buddy.

Lynn joined San Diego Tax & Financial Associates in 2022 as our Client Relationship Manager. She is often the first person clients speak with and the person who makes sure details do not get lost between a phone call, a meeting, and the work that follows.

She brings more than 30 years of client-service experience. Earlier in her career, Lynn served as executive assistant to the CEO of a Navy defense contractor. She later owned and operated Pacific Coast Printing in Carlsbad Village, where she became a familiar face to local business owners and residents.

Today, she handles scheduling, follow-up, client requests, and the countless small things that keep a long-term relationship running smoothly.

A longtime Carlsbad resident, Lynn lives with her husband, Ken, and their daughter, Kennedy. Outside the office, she enjoys biking along the coast and “glamping” in the desert.

Rafael earned his bachelor’s degree in Finance from California State University San Marcos. Since joining the firm in 2026, he has gained hands-on experience in tax preparation while continuing to build his knowledge of financial planning and wealth management.

He brings together the foundation he developed through school and previous roles with the practical experience he is gaining alongside Troy and the rest of the team. Rafael enjoys working with numbers, but what interests him most is understanding the story behind them — and explaining that story in a way that is clear and approachable.

That mindset carries into his day-to-day work with clients. Whether he is helping with tax information, account details, or follow-up from a planning meeting, Rafael likes getting to the answer and making sure the client understands it.

Outside the office, Rafael enjoys spending time with his girlfriend, Jessica, and trying something new together — a restaurant, a sport, or a trip somewhere they have not been before. At home, they share their lives with two cats, Athena and Apollo.

Don’t let the size fool you. Buddy may be a long, low-to-the-ground weiner dog, but his bark punches well above his weight class — you’ll know he’s on the job the second you walk through the door.

A cream-colored dachshund (a genuinely rare find), Buddy has one job at San Diego Tax & Financial Associates: make sure every client and guest feels welcome. He takes it seriously. Whether you’re here for a tax appointment or a portfolio review, Buddy will be first to greet you — tail wagging, ears up, and that signature grin that makes it look like he’s always in on a good joke.

Outside the office, Buddy enjoys road trips with Troy, riding with his head out the window whenever possible, and running the beach near home in Carlsbad.