Our CFP recommended them and we initially spoke in a conference call and felt confident with their…read morelevel of experience and professional acumen. They filed our 2023 taxes and we were pleased with their focus to fully understand our financial goals as we went through the preparation process. We plan to continue with their service for the 2024 tax season and beyond.

I would say that Logan, Bowyer is knowledgeable, thorough and responsive. I would highly recommend…read morethem to other businesses.

With the Flores Financial Group, I was able to set up a beneficial retirement policy at a great…read morepremium! Joel Flores did an absolutely wonderful job making sure I got the best deal, explained everything completely, didn't make me feel rushed or like he was just trying to get me to buy something. I felt taken care of and respected and valued which I appreciate especially when it comes to these type of purchases! Thanks again Joel and the Flores Financial Group!

Wooooohoooooo, Well I am happy I found AYB. I had someone doing my personal taxes before and my…read morebusiness taxes. This other place had no idea of what it was doing. Fast forward I have to submit paperwork to get my wife a visa from Colombia and WHAMMMMM, A problem was revealed. I called up my brother JOE, I call him G.I. Joe. So he told me about AYB Solutions. I called them up explained to them the spaghetti and meat balls I had. The owner Yvette took charge of the whole thing, She had me send her everything and with in 2 weeks she had everything legit and fixed. YUPIII, I tell you AYB is worth every dollar you invest. It's not a rinky dinky low budget kinda operation where they take your money and run and get u into some trouble. I cannot express enough my gratitude with Yvette from AYB, Again thank you a million times over and get ready for me next year ok. You have a customer for life. Long live AYB Solutions. You guys rock!!!!! Thank You JR Faour

I used HIS to get a better, real-world understanding of how to purchase investment properties, and…read moreit delivered. The information was clear, practical, and based on actual scenarios--not hype. It helped me slow down, properly analyze deals, and think more strategically instead of rushing into something that didn't make sense. In the end, it's not easy--but it works if you do.

I believe I have fallen victim to a deceptive and potentially fraudulent business scheme known as…read morethe Micro Banking Method (MBM), which is directly associated with HIS Capital, based in Orlando, Florida. I respectfully submit this letter as a personal testimony and appeal for a formal investigation into these operations, which I believe have taken advantage of me and countless others under the guise of mentorship and opportunity in real estate investing. In March 2024, I came across a compelling online advertisement featuring Rick Malero, who offered an investor starter package for $97. The promise was clear: I would be guided to invest in real estate using HIS Capital's funds for the deals I sourced. After purchasing this initial program, I was presented with multiple upsell options, which I purchased in hopes of increasing my success: * "Let Rick Fund Your First Deal" - $97 - https://microbankingmethod.com/start-here * "Microbanking Deal Analyzer" - $99 * "Fast Track Your First Deal" - $197 * "Microbanking Method" - $134 Shortly after, I scheduled a mandatory call with an "implementation specialist," Jay Guab, on March 15th. That conversation turned out to be another sales pitch--this time urging me to commit to a $10,000 or $25,000 partnership package, allegedly backed by HIS Capital. I was reassured by Jay that he was part of the program, a claim I later discovered to be false--he was merely a sales agent. I initially enrolled in the $10K HEPP package and was later "upgraded" to the $25K PEPP program, giving me access to a sparse online portal and weekly Zoom calls. I was promised that within 90 days, I would be closing real estate deals with private funding from HIS Capital, aided by their AI platform and a database of 10,000 leads. That 90-day milestone came and went--June 19th--without any functional software, usable leads, or meaningful support. I brought several deals to HIS Capital's attention, but their term sheets were unreasonable and not in line with true private money lending practices. The terms resembled predatory hard money offers. At a live event in Orlando in July 2024, held primarily at Rick Malero's church, we were again promised working software, committed team support, and partnership opportunities. Instead, we were subjected to hours of motivational speaking with very little actual value. The promised tools were either non-functional or delayed beyond reason. Meanwhile, the tone of the meetings increasingly shifted toward victim-blaming. I diligently followed every instruction, invested thousands in marketing, and attended all training sessions. I hired a virtual assistant (VA) to contact leads from the promised 10,000-person database, only to discover that most numbers were disconnected or inaccurate. I raised these concerns repeatedly, only to be told I or my VA was doing something wrong--despite screenshots proving otherwise. Eventually, in October, I successfully closed a deal in New York--a task that should have been a highlight of this experience but instead became a case study in dysfunction. The client was confused and stressed due to HIS Capital's disorganized and unprofessional processes. He ultimately closed the deal, but only after an unexpected $6,000 charge appeared at closing--something we were repeatedly told would never happen. Despite this, I was led to believe I was one of the very few who managed to close any deal at all. When I requested a list of successful members to celebrate their wins, only four names were recognizable out of about twenty, despite my active presence at events and online calls. This discrepancy raised red flags. By December, multiple members began communicating privately, expressing identical frustrations and sharing similar stories of misrepresentation, poor support, and financial loss. I spoke directly with one of Rick's partners, Louis Roque, and again received the same dismissive message: the program works--it's me that's the problem. As a consolation, I was offered leads that turned out to be completely unusable--people trying to refinance mobile homes on rented land or seeking owner-occupied financing, both of which HIS Capital doesn't support. More alarming, I discovered that Mike Giannulis and Mike Williams--key figures tied to MBM and its software development--were previously involved in a scam shut down by the FTC, known as MOBE. According to public FTC records, they were barred from operating or supporting educational business ventures. Despite this, they were active participants in MBM, raising serious legal and ethical questions. FTC Case Link: https://www.ftc.gov/legal-library/browse/cases-proceedings/192-3089-michael-giannulis In February 2025, I attended another live event. Rather than support, I was confronted and subtly shamed on stage. I was publicly singled out for having concerns, told I lacked the mindset for success, and quietly pushed to stop questioning the program. The atmosphere was cult-like

I had the good fortune to see Teresa Risner of LTC Advisors speak at a presentation concerning…read moreMedicare at the Senior One Center on Douglas Ave in Altamonte Springs where she has her office. She was an extremely articulate and humorous speaker who seemed to really know her stuff and I was to find out when it really mattered that my first impression was spot on. A few months after attending the presentation, I unfortunately let another consultant convince me to use him as he was claiming Ms. Risner was far too busy to give me her full attention and good service but it turned out to be him that would drop the ball in so many ways it was ridiculous!! Luckily when I needed advice regarding the previous choices I made, I remembered her comments and her encouragement to give her a call even if she was not my consultant and she'd be sure to give me her best thinking so I called her, made an appointment, met with her just this past week and I sure am glad I did! When we met at her office, she was completely 100% invested in what I needed which was advice regarding my Part D Medicare Drug plan which had changed drastically after I had renewed it during the past open enrollment. She was so engaged that not only did she help me with my Part D issues, she also noticed that I would save money on my Medigap premium if I was willing to consider changing plans as is allowed with the Medigap plans & so by going with her suggestion, she saved me $28.44 a month on my remaining nine monthly premiums because she noticed the alternative plan that was almost identical to the one I originally chose but had experienced a 7.7% decrease in the premium cost with the only change being that I would be responsible for the full or partial $185 deductible if any of it was not paid (which it turned out was paid in full in January due to a lot of medical charges that had already gone through.) She took her time, gave me her full attention, and expertly showed me the plan coverage, and even documentation of the price decrease. Also, she even confirmed that no additional underwriting would be necessary if I chose to stay with my current plan provider. She answered every question I had and didn't rush me nor did she make me feel badly about asking lots of questions as I was a bit confused about the change at first. Today when I called the plan provider they confirmed every single thing Ms. Risner had told me as well as confirmed the total cost savings of $256. That is quite a savings!! If you need someone to help you make good decisions regarding healthcare insurance and Medicare issues, look no further than Teresa Risner and her company LTC Advisors. I'll be referring all my friends and neighbors to her!!

Best Long Term Care Insurance Services, call Teresa and she is very friendly and will be happy to…read moretake care of your home care, very professional service on reasonable prices, I highly recommend them for any body in need of home care insurance.

Wanda and her team completely ghosted my family after we came to her for help with our taxes last…read moreyear. I am now behind in my taxes as I had to file an extension since she couldn't see us before tax day. I waited patiently for a return call after having an apt with her in May but have never been contacted by her since then. She is still in possession of my original documents which I hope to get back. Just cant believe someone would treat a customer this way.

Wanda is simply the best!…read more Wanda has done work for us for many years and has always gone out of her way to do an exceptional job. for us.

If you are reading this review and have any doubts on who to choose as your lender, I'm going to…read moresave you a lot of time: contact Deb Holloway instantly. You will not be disappointed. Being a first time homebuyer can be very confusing and scary but, I'm not gonna lie, the first email we got back from Deb made most of the fears and confusion go away. She sent over an email explaining all the options that were available to us while other lenders simply said we did not qualify for any first time home buyer programs. Honestly, if it weren't for The Holloway Team we probably wouldn't be in the process of fixing up our new home. Deb, Jess, Patty, and everyone behind the scenes were with us every step of the way. They were all very quick to answer any questions that we had and kept us updating on the entire process. When our new HOA had some issues getting information back to us in a timely manner, they all put the pressure on so that we could close earlier than expected. We will be recommending Deb and The Holloway Team at Christensen Financial, Inc to our family, friends, strangers, and even people who aren't even thinking about buying a house! We will be forever grateful for all the work and guidance provided by Deb and her team!

Great refinance experience. Their team helped me save $300 a month on my mortgage and walked me…read morethrough each step of the process making it easy and understandable. They treat you like a valued member of their family and take care of you knowing how important a mortgage decision is to your family. I will definitely be recommending them to all my friends and family!

Very knowledgeable staff. I was a little scared at first switching Accountants but I'm happy with…read moremy choice. These people are excellent at what they do. Work ethic is definitely a must In This industry and they don't fall short of anything. I've recommended them to my whole family and all my friends because it's hard finding good tax professionals, and people to do your books around here.