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.

John is a professional colleague I trust to refer my clients to. His knowledge brings confidence…read moreto a stressful transition inside and he is honest and caring in his delivery. Highly recommend.

Fortunate are we to have such comprehensive resources during a significant life transition such as…read moredivorce. I have referred his services to satisfied clients. He has created a community of resources - choosing top notch solution providers to assist and give insights during the many aspects of such a transition. If you are exploring such a transition as well, contact Zen Divorce Solutions. The care, knowledge, compassion & ace suppliers will serve you well. Having someone who understands the bigger picture of a client is critical in a successful relationship. John Duffy is the real deal. A financial consultant who has deep ties to the community is also reassuring. John serves on various community boards and is a real addition to SBA.

I started using Villegas and Associates in 2021. This year, 2026, is the last time I will give them…read moremy business. I encouraged my son and daughter-in-law to also try them for their tax preparation. They are more angry than I am as his incompetence cost them thousands of dollars. Villegas and Associates has lost all three of us as clients. We were assigned to Orlando. Orlando can do a basic return, but the slightest issue seems to create problems for him. He is less than enthusiastic about finding ways to save money for his clients. You are expected to know exactly what you can write off. He never makes suggestions to help you find tax savings. The client is expected to know the tax code and what expenses may be available to itemize. He entered the incorrect information about an EV. He got the make and model wrong despite having the purchase agreement with all information clearly provided. It should have been a four thousand dollar rebate. Since he did not enter the correct information, the rebate was denied. He said it was my daughter-in-laws responsibility to call the IRS to straighten it out. I knew this was wrong and spoke directly with Benny Villegas about this and several other issues of concern regarding Orlando. Mr. Villegas agreed that it was Orlando's responsibility to file an amended return. He ASSURED me that he would have Orlando complete the return in order to obtain the rebate. He also asked for email evidence of other issues that we discussed. I provided the email the following day with a cover letter reiterating our concerns. It has been a week since our meeting with Benny Villegas. He did not respond to my letter. He did call my daughter-in-law to arrange a meeting on a Saturday morning. Orlando was at the meeting, but Villegas did not participate. Orlando seemed more interested in how many times my daughter-in-law attempted to call IRS than correcting his error. To date, she has no knowledge that he has filed the amended return. He claimed he was going to send the amended return AFTER he spoke with the IRS. However, she is unaware if the IRS has received the amended tax return. According to the IRS website, Form 8936 was improperly filled out due to the wrong make and model information; action is required to correct it. There is no further information. A follow-up call to the office revealed that Orlando hasn't worked all week, and there was no information available about her amended return. Neither Orlando, nor Benny Villegas has communicated with her. The level of incompetence and utter lack of disregard for accuracy is appalling. His refusal to take responsibility for his errors and his insistence that she correct his failures is unprofessional and unacceptable. According to an email that was circulated to his entire client contact list, we are not the only clients who are choosing to take our business elsewhere.

Tax season is the most stress and anxiety season for me. The not knowing how much I'm going to owe…read morealways weighs very heavily on me. I became a first time business owner last year, and that's when I knew I needed a professional. Clients of ours had always recommended Ben Villegas over the years. So we took the recommendation and saw him.

would like to take a moment to write an honest, sincere, and genuine review about Second Chance…read moreFinancial. Back in 1998, when I was trying to purchase a house, I needed help repairing and improving my credit. That's when I met an incredible team at Second Chance Financial -- John, Karen, and Wayne. From the very beginning, they treated me with kindness, honesty, professionalism, and genuine care. Thanks to their help and guidance, I was able to buy my home back in 1998. Now, 28 years later, I find myself reaching out to them again for assistance, and to my surprise and gratitude, Karen and Wayne are still there. That alone says so much about the dignity, integrity, and stability of this company. It shows not only how they value their clients, but also how they treat and respect their employees. What always made them different is that they never treated me like "just another client." Over the years, they would occasionally call simply to check on me and see how I was doing. That level of humanity and compassion is very rare today. If anyone needs honest and trustworthy help with their credit, I truly recommend Second Chance Financial. These are good people who genuinely care about helping others rebuild and move forward in life. Thank you, Karen. Thank you, Wayne. And may God bless the memory of John, who is no longer with us. Your kindness and help will never be forgotten.

Credit can be intimidating, and I often neglected it for that very reason. However, when I…read moreconnected with Karen, she was incredibly patient and informative. What stood out the most was that they were not pushy at all. I've noticed significant improvements since I started working with them, and they genuinely care about your well-being. I've recommended Second Chance to friends and family who also felt uneasy or stuck. If you're in a similar situation, take a moment to call them. It's worth it! Thank you, Karen, Wayne, and the entire Second Chance team. You're making a positive impact in more ways than you can imagine.