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.

TL;DR: Worked with Garrett Jones at Crossroads Financial Planning for tax prep. Misquoted our taxes…read moreby nearly $4,000. Poor customer service -- impolite and dismissive. Once paid, they offered little further assistance. Significant miscommunication between staff members on essential elements of our filing. Longer version: We hired a tax preparation service to help navigate changes to our filing status after getting married. Our tax consultant, Garrett Jones, began working on our application with the wrong filing status. After correcting this error, there was poor communication regarding important changes that needed to be followed up on, which resulted in IRS notices arriving in June. When I raised my concerns with Garrett, his guidance was vague and he offered no clear timeline for resolution. Weeks later, with no progress made, I was left with the impression that once he had been paid, his investment in us as clients had ended. I spent approximately 10 hours on the phone with the IRS trying to sort out the status of our account. Throughout this process, Garrett maintained that I owed approximately $2,000 to the IRS -- when in fact I had a pending refund of approximately $2,000. In the end, we were left with a significant miscalculation, poor customer service, and no choice but to resolve everything ourselves. I'm still unclear what the fee we paid to Crossroads Financial Planning actually covered. Highly recommend taking your taxes elsewhere.

It seems that the reviews for this branch are either all in or all out, so I will do my best to…read morejustify my all in rating. I opened a $2,000 IRA with Schwab 25 years ago as a passive way to invest in the stock market. Initially, I mainly used the phone service to help me learn about the market and terms/procedures on investing. Over time and with some luck (thank you Costco), my funds increased. As I approach retirement, I wanted to get more in depth assistance with my investing. I've been blessed to have a couple of 401k plans with past employers and both of my parents left me a modest amount of inheritance, so I need help with a strategy and also Roth conversions. I had multiple meetings with three companies (and called a couple others), and Schwab proved to be the best choice for me. The level of service all depends on what you want. With simple, no minimum, no fee service you have access to people in this office and their 24 hour line. Once you hit a reasonable threshold, you add a Financial Consultant at no charge. And finally, if you wish to have them to manage your portfolio, for a percentage fee you can add a Wealth Advisor. I am not charged any commission fees. They are key in helping me with all financial matters including tax strategies, partnered referrals for supplemental insurance and trust creation. Compared to other financial management companies, Schwab offers various options that charge a fee either equal to or less than all others I vetted. They do not charge a fee for cash/cash equivalent investments and have options such as bonds management that are lower than all those I interviewed or made calls to get fee information. The personal service I receive has been far and away above all others. They listen to me at our meetings and I have as much input on my investments as I want. It truly feels like a team effort. Thankful for Schwab and my team (Brian - Investment Consultant, Scott - Financial Consultant and Jonathan - Wealth Advisor).

One month ago, I was misinformed by their banking division for fraud incident and was recommended…read moreto freeze the account. I was later informed that it wasn't a fraud but merely a misplacement of deposits to my other bank. 1. The fraud was misinformed to me by Victoria at their banking division. Due to her misleading statements of that someone cashed my check at 53rd bank at New York, under fear, I was induced to make the decision to freeze the account. 2. No one at their banking division called me to report to me what's going on. My fear index was at all time high when I was out of town and have limited resources to find out what's going on. 3. I've made a lot of phone calls and later found out that it was just a misplaced deposit into my other bank. I've informed them and Charles Schwab had known that it was just a check misplacement but failed to lift the restriction and wrote off the investigation. In summary, this bank mislead, misrepresented data and induced client to make wrong decision. The customer service at brokerage firm was unable to coordinate with their fraud investigation for correct data. Finally, they used this misleading tactic to freeze my bank account since last year. I've made so many phone calls and some of my payments to credit card company got returned unpaid because they placed the restriction on my banking account by knowing that there's no fraud. I have called customer service so many times requesting to lift the restriction and to transfer my money back to the brokerage account. As of today, there's no transfer and the restriction is still placed there. This is my question to your management team at Charles Schwab - How long are you planning on having this kind of financial abuse to senior citizen?

my name is Chris Bane I have an entire hour meeting with these people after I was referred by Seth…read morefrom Bank of America in Huntington Beach anyways, these people wasted my time I had lots of money to invest they never sent back a proposal and basically wasted one hour of my time they actually suck Charles Schwab is way better or Fidelity. Merrill Lynch said that they only check the portfolio quarterly. In addition they do not contact their customers to give them shallow promises, and do not follow through.

The brokers work on commision and have a conflict of interest with the clients best interest …read more How can they claim to be fiduciaries ?

Completely inept at what they are doing. I used to have a Fidelity account years ago and now I…read moreknow why I left. I was trying to open a Self Employed 401k. Since I had a "profile" in the system years ago, I wasn't able to open it on-line because it was asking me for 20+ year old data to verify my identity. A call to customer service, and they still couldn't verify me, and asked me to go into a center. Today, I went in explaining the situation. After checking my ID and verifying me, they still were not able to "update" their systems in the office. So then they passed me around to "advisors" who then proceeded to call the general help line that I had called before. The help line couldn't do anything and wanted to verify my identity again through a series of questions about my employment over 20 years ago! After a series of transfers back and forth, they finally managed to verify it was me, but one last transfer back to someone who can make some changes and the advisor decides to hang up. Back to square one, where now he says just print out some forms, and fill it in, and then they hope it will match and the systems will align. All of this takes over an hour and I give up and just walk away and headed to Schwab. Also they don't even know their own products. They were advising me that I needed to bring in my own plan adoption agreement. I ask what that is. They said I need to draft one. A quick search with ChatGPT and it says that Fidelity will provide one for me and I just have to fill it out! I show them the verbage and said nope you need to do it yourself. We don't have one for you. Do you really want someone who can't even figure out how to open an account managing your money. Probably not.

I've been a longtime Fidelity customer, but this was my first visit to this office after always…read moregoing to Irvine. The space is clean, professional, and genuinely welcoming. My longtime wealth manager, Yumi, along with Brandon and the rest of the team, consistently provides clear, thoughtful guidance. I usually meet over video, so it was a real bonus to sit down with everyone in person. My sister-in-law uses Vanguard, and since they don't offer in-person support, I'm especially grateful for the face-to-face service Fidelity provides. Now retired at 61 after sticking to the long-term plan we built together, I can honestly say their guidance has paid off. I highly recommend this team--just remember, you still have to educate yourself and follow the plan. They're great, but they're not spinning gold like Rumpelstiltskin. Younger investors please save vs spend as delayed gratification pays off big time.

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!

I've pretty much exhausted my ability to manage my retirement account now that it's entered…read more"Antihistamine money" territory (It's nothing to sneeze at) so I thought it would be a good idea to hire a fee-for-service fiduciary to look over my multiple accounts and give me some advice. Which ones do I combine? Am I investing too aggressively or not enough? What the heck is this fund? Nick Licouris did a fantastic job - we met twice, and he mapped out a detailed roadmap for me to get my financial house in order over the next few years, explaining everything in plain English anyone could understand. He confirmed I was headed in the right direction, but also pointed out a few things I was unaware of. He also correctly predicted how many hours it would take, so the cost was no surprise. I am very, VERY pleased with the results and I've recommended him to others and will probably hire him again, once I've executed the plan.

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.

My husband and I joined Mercer Advisors in 1989, our youngest child was five and he's 40 now! We…read morejoined Mercer when they had one office in Santa Barbara! Was honored to meet Rick Mercer on our first visit. We lived in Seattle and traveled to meet with our advisors. BY FAR THE BEST FINANCIAL DECISION WE EVER MADE. My husband and I always felt very secure with the plan they laid out for us. Well, I m now widowed and Mercer Advisors continue to advise and support me. Because we worked The Plan over all those years, I am very financially secure. Shout out to Josh Gustafson, Josh DeForest and Frances Smith! Thank you!

This is not 5 Stars lightly given. I've been a Mercer client for close to 25 years, so I can speak…read morewith some authority. Every aspect of my life has been improved by my relationship, first with Rick Mercer and then with the entire Mercer team. If not for their diligence, skill and investment philosophy I would undoubtedly still be bent over the dental chair. I work now with Chuck Breuch at the Boulder Branch and although, because I'm retired, I am "small potatoes " in terms of income, I still receive the finest of service. If love and investments can be used in the same phrase, they apply to Mercer Advisors and me.

When we first reached out to Michelle, my wife and I were feeling lost and honestly a bit desperate…read moreto get control of our finances. Living paycheck to paycheck--despite having solid incomes and no kids--was frustrating and stressful. We initially expected to walk away with a simple budget. What we got was so much more. Michelle didn't just organize our numbers--she gave us clarity, confidence, and peace of mind. She removed the fear we had around money and replaced it with a real plan and direction. More importantly, she set us up for long-term success and a stronger financial future. We truly can't recommend her enough.

I was so confused with which direction to invest to add better security my finances. I decided to…read morework with Michelle, and I realized she was so much more of an asset to me than I ever expected. She has me so much more confident in my financial decisions, especially when she is right there with me when I need to make them. I can definitely say that I am much better off with her than I was without her. I appreciate her so much, and I believe she would never steer anybody wrong. She's a very savvy lady when it comes to financial matters. Give her a call and see for yourself!

Zeus & Bill. Bill…read morewas literally in a CAR for my latest meeting, A car. Probably the most disrespectful way to have a meeting pitching services, but ok. He said his team would reach out to request financial statements needed for his analysis. Never received anything. Followed up myself after waiting for weeks, they respond a week later asking what do you need again, and to set another meeting with Bill. It's the email before in the same chain? I need to set a meeting to send requested documents? Never responded to requests for any reading material, past performance, etc. My first meeting for another service earlier this year. It wasn't a priority for me, so I noticed they never responded months later. Apparently this is a theme. Thought I'd give them another chance anyway, which is stupid on my part. Extremely unprofessional, I would not trust them with anything. Their response time is non-existent, and they don't remember what your conversation was about, if they respond at all. Unless you want to give your money to people who don't respond, don't remember what you need, and pitch something while they're in a car. Go with literally anyone else.

Tom truly is the financial professional to be aligned with. He provides a thorough review and is…read moreextremely knowledgeable. Definitely an expert in his field. My family's financial future is 100% protected thanks to Tom's advice. I've already recommended him to family and friends.

We highly recommend the Hobert team. They know everything you need about Safe and reliable Real…read moreEstate investment options, including Reitz. If you are looking for confidential and professional services that can serve your interest in real estate, their team offers the very honest service you can expect from an experienced group.

From the owner: Hobert Wealth Management is a investment and financial planning firm providing conservative…read moreretirement planning solutions for Orange, San Diego, and Los Angeles Counties. With over 35 years of providing investment and retirement planning advice, Hobert Wealth Management specializes in a conservative approach to investing and wealth management for those approaching or beginning retirement. Hobert Wealth Management's expertise includes the following: - Retirement Planning - Inflation and Income Planning - Asset Allocation - Estate Planning - Risk Management - Life Insurance Planning - Real Estate Investments - Tax Strategies - Equities & Fixed Income Planning