Requested a free consultation, and Tony was very helpful and honest during our online meeting…read more It's hard to find companies with knowledgeable individuals who can provide valuable opinion as many are like robots so it's refreshing to have someone understand your needs and try to give you their best advice. Hope to work with Tony at Crosdroads Planning for our future tax planning needs.

I contacted Crossroads Planning after my mother passed away to get help with estate and tax…read morematters. John's presentation was clear, professional, and very informative. What impressed me most was the compassion they showed. Their kindness and expertise meant a great deal to me, and I've saved their information to use their services again in the future.

Working with Kyle Clark has been a standout experience from start to finish…read more After a deeply frustrating experience with another financial advisor program, I was cautious about starting over, but working with Kyle has been a complete 180. From the start, Kyle was thorough and patient. He walked me through transferring all of my existing funds, helped me establish clear savings goals, and gave me concrete, actionable guidance I could actually act on. What impressed me most was his timing: all of this unfolded during a period of significant personal transition for me, and he handled every step with professionalism and calm. The results have spoken for themselves. My portfolio has reached record highs, and for the first time, I genuinely feel in control of my financial future. If you're looking for an advisor who is competent and steady under pressure, I can't recommend Kyle highly enough!

David gave a very helpful consultation. He is knowledgeable about tax and explained in easy to…read moreunderstand way.

Terrible, unprofessional, clueless. Not to mention the advisor, Randy is useless. Never returns…read morecalls. This company is a joke.

If I could give this company zero stars I would. STAY FAR AWAY FROM DAVID WHITE and BALBOA and seek…read morefinancing elsewhere. I signed a lease with him and his trainee back in 2019. Something told me that David was shady and we had some negative interactions, but the loan was already too far along to cancel at that point. They set up my equipment lease for quarterly payments, which I didn't know quarterly lease payments even existed. I never asked for quarterly and was not happy when I found out, but again, it was already too late by that time. I even questioned him about it, but he said something along the line that this was their typical practice. Now 6 years later, at the end of my lease I learned the real reason why they did this. I recently contacted Balboa because, per my records, I had paid 1 extra installment that I thought they had somehow misapplied. I paid "prorated rent" at the start of the lease just short of $30k, which I was told amounts to 1 full payment plus some other fees. Back in 2019, I just assumed that is was my first installment because of the timing, but 6 years later I am being told that NONE of the "prorated rent" gets applied towards the loan--it is a completely separate fee--and that the fine print allowed them to charge me a full installment and then some. So basically, I paid an additional $30k for my own machine! David was able to scam me out of 3x more money by writing my lease as quarterly than if it was written as a normal monthly lease. Even the Sales Manager who helped me look into this matter admitted that I was scammed and he was very apologetic. He said he would never have written a lease like that. He tried to see if he could get me some sort of compensation, but Balboa refused. This David White scammer is still with Balboa today and is still a supervisor.

It was such a pleasure working with Michelle, and we feel very lucky to have found her through a…read moreGoogle search. Her combination of practical financial knowledge and thoughtful understanding of our family's goals allowed us to plot a path forward that we hadn't been able to achieve on our own. We've already passed her name on to a few friends looking for some financial therapy. Can't recommend highly enough.

Working with Michelle has been truly transformative for me and my husband. Over the course of six…read morethoughtful and intentional sessions, she helped strengthen not only our finances, but also our mindset and confidence around money. With each meeting, we made meaningful progress. Michelle helped us see clearly where our spending was going and guided us in creating a realistic, sustainable budget that still allows us to enjoy our lives while saving toward our biggest goal--purchasing our dream home. What once felt far off now feels achievable much sooner than we expected. Perhaps the most valuable part of the experience was the confidence and clarity Michelle helped us build as a couple. Our conversations around finances are now more productive, aligned, and positive than ever before. We're only a week out from our final session, and already feel the impact of the work we did together. I'm excited to look back in 3 months, 6 months, and a year from now and see how far we've come thanks to Michelle's guidance. I can't recommend her highly enough.

For three full years (March 2023 - March 2026), this firm extracted monthly management fees from my…read moreaccounts while providing zero strategic outreach, zero portfolio reviews, and zero professional guidance. The most concerning points of my experience: * Neglect During Crisis: In March 2023, I explicitly disclosed to Laurie that I was facing a severe health crisis and a high-distress relocation. Instead of the "extensive monitoring" required by the SEC for vulnerable clients, I was met with total silence for 36 months. * Administrative Failure: When confronted, the firm attempted to blame a "marketing unsubscribe" for their three-year disappearance. A true fiduciary's duty to monitor a client's life savings is not a "mailing list" option--it is a legal requirement that this firm failed to meet. * Zero Accountability: Despite an internal audit showing nearly $1,500 in fees taken for unrendered services during a massive market shift, the firm (and their compliance partner, GWN Securities) refused any settlement or restitution, forcing me to escalate to FINRA. Bottom Line: If you are a high-performing professional who expects active management and integrity, look elsewhere. You may find yourself paying for a "partnership" that doesn't exist once the paperwork is signed. I have moved my assets to a new firm to ensure they are actually being watched.

Excellent advice, friendly and welcoming. Helpful in assessing my level of comfort with…read morerisk/contributions. Get that money!

Not sure why Kyle doesn't have any reviews on Yelp. Was initially hesitant to go with him, but…read morechecked him out on Google and people had some good things to say. Anyhow, called Kyle about what my best options would be to handle some Business debt I've incurred and he was super helpful in getting me the information I needed to make a more informed decision. There was no upsell, just advice and I appreciated that a ton and found it super refreshing. Anyhow, thanks again Kyle!

From the owner: We help you position yourself to achieve your financial goals. Reach out if you're ready to take…read morecharge of your financial future.

Nayeli and her team are great. They helped us understand what was in our best interest for an area…read moremy partner and I know nothing about. I would recommend her anyone needing business financial planning like we did.

Nayeli Ballesteros is extremely knowledgeable. She is extremely patient and took the time to…read moreexplain the process of financial planning. You can tell right away from meeting her that she absolutely loves her work that she does. She didn't see me as just another $$$. I truly feel as though Nayeli had my best interests in mind as we were sitting down to discuss my financial plan. I can truly say that I am much more knowledgeable and confident at this time after having consulted with Nayeli. I actually have a bit of a vision now and the future doesn't seem as scary in terms of my financial outlook. If you're thinking of financial planning now or in the near future, please don't hesitate to give Nayeli Ballesteros a call. (951) 264-7556. You won't be disappointed. She is always quick to respond with a text or phone call. Thank you, Nayeli.

Chi constantly communicate with me throughout the process of transferring my investments and…read moreobtaining life policy. She's very knowledgeable of her products and explain everything in details.

If you need a financial planner you can trust, look no further. Chi Luu will break down the pros…read moreand cons of each person depending on their needs. After consulting with Chi Luu, I feel more confident moving forward and securing my future needs. In addition, Chi Luu makes me feel like I was talking to a trusted family for financial advice. Thank you Chi Luu for your professionalism and excellent service.

I spoke to Daniel regarding tax questions I had and even though at this point I didn't need his…read moreassistance as far as financial planning, Daniel was more than accommodating and gave me very pertinent answers to my questions. I want to mention again that I was not even talking about his field of expertise. Daniel even called me back about a question I posed about state taxes. Apparently he looked it up and updated me. His overall demeanor was so pleasing and his attitude was just superb. I know when the time comes to employ a financial advisor I will be contacting Daniel! Thanks Daniel!

I was very impressed with my free evaluation consultation session with Daniel…read more I have always been hesitant with financial advisers because I've experienced a few of them who are "pushy" and are always trying to upsell. Furthermore I was a little concerned that this eval would turn into a "buy a full financial plan from me" type of thing. This was not the case with Daniel at all. He asked a lot of great questions, he took a lot of notes and gave me a great idea of where I'm at in my financial planning adventure. For me, I've done a lot myself and he was great to bounce ideas of things that I have been thinking or what I can do better. We both agreed that it probably wasn't time for me to dive all in to a full financial plan due to where I am at in my life and what I have been doing on my own. He was forthcoming in that he doesn't think that, at this moment, he would add significant amount more value to what I have already done on my own. He recommended that he can be available to bounce ideas off of in an hourly fashion. To me this is huge. I was half-expecting to not get any ideas/thoughts without signing up for a full financial plan. That Daniel walked through all my finances and gave me great ideas and recommendations. Then for him to say that I probably don't need him 100% of the time shows that he tries to understand his clients first rather than try to just take money from them. Greatly impressed and I will definitely be coming to him for advice and when my life changes where I would need his full services, will be coming to him again.

Stephen and Luke provided me with exceptional service on a life insurance policy even though they…read moreare not getting paid or commissioned on that work. They just provided great service. I am so impressed! I have had to deal with other advisers in the past and never received such helpful information right up front. I will be transferring my accounts to 2020. Thank you Luke and Stephen!