Jason and his team were a pleasure to work with. I've worked with numerous lenders over the years…read moreand Team Home Loans were top notch. I would refer them to anyone who is seeking a world class lending experience! -Terrance

We just closed our refinance home loan with Team Home Loans at the end of June 2020. Between being…read moreself-employed and the current climate with covid-19, there were seemingly both unending and unexpected hoops and hurdles during the loan process. With these challenges, Jason was both patient to answer all questions and concerns, and personable. Jason was originally recommended to us by our realtor, when we first purchased our home in 2017. She had explained that with her experience with lenders, Jason and team had the highest closing rate. She spoke highly of his expertise in the home loan field. So, we have now completed two loans through Team Home Loans. Each time, every team member was friendly, helpful and understanding. This five star review is doubly earned and deserved! Thank you Jason and Team! :)

Kathe is one of the few true Medicare experts out there. Medicare is a complex area with draconian…read morerules and lots of deadlines that you need to navigate, and it is not always easy to figure this stuff out on your own. For example, if you are on a Medicare Advantage Plan (which a lot of people are encouraged to get at age 65 because of the low or zero premiums) and you find out later that the coverage and provider networks aren't good (how good can a zero premium plan be?) - it could be difficult to switch back to Original Medicare + better coverage of a Medigap Plan, because by the time you decide to switch, you're likely older ad would be subject to an underwriting process that most seniors would fail (due to preexisting health conditions). But there are certain circumstances that guarantee you the right to buy a Medigap plan regardless of your age or medical condition -- the so-called "right of guaranteed issue" - which federal law and sometimes the law of your state provide (e.g., in CA, if your premiums for a Medicare Advantage Plan increased by a certain amount or if you move out of the plan area). But this information is not readily available. That's why you need someone like Kathe. She was very knowledgeable on these topics. When I called Kathe, I had already done the basic research and thought that a switch would be possible. Kathe confirmed it, helped us find a reasonable Medigap plan and took care of the application (which is itself confusing because insurance companies make their applications opaque so it's hard for you to figure out which box to check). I highly recommend giving Kathe a call. We've talked to 2 other Medicare "experts" who didn't know more than we did.

I'm very satisfied with the service Kathe provided to help me with health insurance changes. She…read moreoffers a series of very thorough educational online videos covering many areas related to Medicare. She is very knowledgeable and even gave me some suggestions for social security filing changes which may bring in a bit of extra income. I felt Kathe was honest and I'm satisfied the insurance I selected is a good choice for my needs at a good price. All around good experience. I would recommend her services to family/friends.

Once again turned to Zindi and Jennifer, this time to buy a condo for my son in Seattle. As always…read morethey were timely, friendly, helpful and on top of everything. If you are looking for team that is extremely competent, won't waste your time and are on top of every issue, I cannot recommend them more highly. I will never use anyone else for real estate finance issues. They got us a great rate, walked us through all the paperwork and reminded us of whatever we needed to document. Thanks again Zindi, Jennifer and Brett! Wayne

My wife and I called Brett and asked about the veteran refinance options. We were in the middle of…read morea refinance and got a little uneasy with the change in numbers on our closing documents for the mortgage loan. We called Brett to compare and we are so happy we called. We went through the closing document numbers with Brett, and even though this was not his loan, he went above and beyond to explain what the numbers meant and how they were calculated. This was a 51 minute phone call where Brett took the time to explain how things work in more detail without speaking a single negative word about competitors. Even though Brett calculated comparable numbers, he did not try to steal business, which speaks very highly to his professionalism. Having an honest conversation with Brett, where he concluded our current deal is pretty good, is so refreshing. Such a great conversation where no sales tactics/gimmicks were used. Just a good business man trying to get the best deal for clients!! Thank you for taking the time to help us today. We really appreciate your expertise.

Bryan has been our agent for about 12 years. He is professional, courteous, and always responds to…read moreour questions quickly. I had a car accident at an intersection and although I hit the person in the intersection, I knew the light was green for me and that person had gone through a red light. She claimed I was at fault. Bryan drove to the intersection and observed the traffic flow, and determined I was not at fault. He went out of his way! I highly recommend Bryan.

Bryan was my agent for ~10 years. Friendly, responsible and reliable.read more

We needed some financial advice, so we contacted David. We had a telephone conference for about 30…read moreminutes. He was knowledgable and quite kind because he refused any payment! We were quite satisfied with David's advice and would highly recommend his services.

David has been our financial planner and money manager for 6 years. We, at least I, have not been…read morethe easiest to deal with. David took care of all our financial interests for 6 years. Unfortunately my husbands mental and physical decline caused many problems and with that many questions and uncertainties in my mind. At times I was very angry, with things not necessarily related to David, yet unable to communicate with my husband, I lashed out at David with angry emails and messages, about which he legally couldn't discuss with me. David never sunk to my level. He always maintained a professional, even concerned demeanor, offering to come and speak to my husband and I together. Life is hard and can be confusing and tricky, especially when you don't understand the actions and behavior of someone you love. David is a good man. I'm sure this review will never make up for the things I have said and done. David has suffered the brunt of my anger and frustration with my husbands behavior, and never said "if you're not happy with me, go find someone else." If I were in his shoes, I would have. David not only handled our money, but also handled a very angry, mean, relentless woman who took a lot of her frustrations out on him, and he did it with calm, professional kindness. Honestly he has done much more than I think you could reasonably ask of anyone. Thank you David, Beth Marshall

Although I am not reviewing as a client, I am leaving this review as a future client of Root…read moreFinancial Partners. If you're reading this, then most likely you are on the journey in getting better informed financially for retirement. And because you're looking up Root, then most likely you ran across videos of Ari and/or James on YouTube just like me, or on Podcast. When I initially started researching retirement for my wife and myself, I was fortunate enough to have "the algorithm" direct me to Root with James and Ari. The more I watched their videos, the more I became informed of answers to questions I did not know I had. What really drew me in to watch more of their videos, was their holistic approach to retirement, which was an option I was never aware of. And combine that with their ability to explain complicated strategies using their software with real case studies was a bonus. Anyways, back to the review... I reached out to Ari directly via email, and to my surprise, he responded directly to me (I was expecting a form letter). He personally answered the general questions I had and we scheduled a meeting to determine if they can bring value, to justify their fee structure. Unfortunately, when he reviewed my current portfolio structure/allocation in detail, he was honest and said they could not bring value to justify their fees. He then proceeded to offer some guidance to other advisors they recommend, and further explained how specific advisor strategies would be better attuned to my needs in the near term. I really appreciated his candor... But what really stands out is his willingness and continues to help as much as he can, of course without providing specific investment guidance. Up until now, even though I'm not a client, he continues to take the time to respond and answer questions I have from time to time. And not just basic answers, but simplified, detailed video explanations for a better/easier understanding. I can go on with this review, but after a while, it might sound too good to be true. All I can say is reach out to Ari (Root), and you'll see what I mean. Once we're closer to retirement and can take advantage of the holistic approach they provide, we'll be sure to reach out again. Thanks again Ari!

The team at Root Financial Partners are impressively knowledgeable. James has a way of making…read moreeverything easy to understand and follow, and their charts and calculators simplify the process. He answered questions we didn't know we had! We feel very secure entrusting our financial retirement future to James and the Root team.

Dan Ancheta and his team really helped us with our Berkeley property purchase. They cut through the…read morecomplications that had halted our escrow and delivered for what had become a very accelerated timeline. Turned lemons into lemonade. We would 100% recommend them.

I have been with Synergy for about five months and it has been the most horrible experience I've…read moreever had with a lending company. It takes three weeks for them to post a payment. They removed one payment and didn't credit it back correctly making it appear that I hadn't paid. They reported to the credit bureau that I had missed a payment making my credit score go from almost 800 to 636. They are difficult to work with and I can't wait to get off them and with another company. HORRIBLE, HORRIBLE customer service.

I highly recommend Sierra Wealth Management. I've always been hesitant about working with a…read morefinancial planner, but now that I'm married and have a child, managing everything on my own started to feel overwhelming, questions like which accounts to open for my child, whether we're on track for retirement, if we're behind, and even understanding our overall net worth. Chaz helped us bring clarity to all of it. He worked with us to build a comprehensive plan for our family, breaking down our expenses and guiding us on how much to save and how to allocate funds, including contributions to a Roth account. One of the most valuable takeaways was his thorough review of our key documents, he caught an issue with my Simple IRA at work that wasn't vesting properly, which we were able to address right away. He also recommended moving our savings into a high-yield account earning around 4% interest instead of the 0.1% we were getting before, which was a huge eye-opener. That one shift alone made a big difference in how our money is working for us. What really stood out is that Chaz is not salesy at all. There was no pressure or push to sign up for additional services. He simply provided thoughtful advice, a clear plan, and even scored our overall financial outlook. He was punctual, committed, and used great tools to present everything in an easy-to-understand way. He also took the time to understand my more complex investments, something many advisors struggle with, and helped us set up a solid plan for our child's investment account. 100% would recommend working with him.

Chaz has been my advisor for over a year now, and the service I have received from him are much…read morebetter than those of my previous advisors. He is a great listener and an even better at asking the right questions. He helped me get out of a variable universal life insurance contract that my previous advisor sold to me unethically. Basically saving me from a lifetime of paying $500/month for something I do not need for my situation. As a woman investor who also works in finance, I know I needed to work with a fiduciary who would always act in my best interest. After some research, I found that he is a CFP, EA, and a Fiduciary with a background in tax planning, which has really helped me save on my taxes. Every meeting with him has been productive, and it's nice knowing I'm actively getting closer to my financial planning goals. I appreciate the way he gets to know me and my goals. He made recommendations that feel true to what I want out of life, and taking the time to explain things when I needed. There is a difference between an advisor who only focuses on my investments vs. Chaz, who focuses on my investments and also looks at everything else, like my overall financial planning, my taxes, my estate plan, my insurance, my benefits at work... the list goes on. I have been recommending him to all my friends.