America's Loan Advisors

America's Loan Advisors

Reviews Summary

Customers consistently praise Joel and Kerry for their exceptional expertise, professionalism, and dedication in mortgage and real estate services. Their responsiveness, patience, and ability to simplify complex processes stand out, especially for first-time homebuyers and refinancing. Many highlight their willingness to go above and beyond, securing competitive rates and closing deals efficiently. Their combination of industry knowledge, personalized care, and honesty makes them highly recommended for all home financing needs.

About This Listing

Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Small Businesses
Mid-size Businesses
High-net-worth Individuals
Real Estate
QuickBooks

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*

First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*

What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

Write down any financial goals or questions in advance
Check if your CPA offers virtual sessions or document uploads
Bring a notebook or use a notes app for key takeaways
Know your deadlines for filing, payments, or compliance

*Note: Preparation helps you make the most of your CPA’s expertise.*

How to Get Started

Use our directory to find highly reviewed CPAs near you. Reach out directly to schedule your consultation.

Other Helpful Info

Many CPAs offer both in-person and remote consultations
Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

*Note: Every CPA is different — take time to find one who fits your goals and style.*

Features

Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Small Businesses
Mid-size Businesses
High-net-worth Individuals
Real Estate
QuickBooks

Contact Information

Address

701 Palomar Airport Rd #300

Carlsbad, California 92011

Hours

Sunday 8:30AM-5:30AM
Monday 8:30AM-5:30PM
Tuesday 8:30AM-5:30PM
Wednesday 8:30AM-5:30PM
Thursday 8:30AM-5:30PM
Friday 8:30AM-5:30PM
Saturday 8:30AM-5:30PM

Customer Reviews

I am a 30-year financial advisor, servicing and guiding clients on all aspects of their financial planning and investments. But when I need a specialist on mortgage or real estate transactions, I call (or have my clients call) Joel and Kerry. They are area experts and help deliver strategies that provide a big benefit to my clients. Thankfully, matched with this expertise is an excellent level of customer care and they always put the clients first. So when you need mortgage or real estate specialists, this

As a first-time homebuyer for my husband and myself, Joel and Kerry were an amazing team to work with. Very knowledgeable, very patient with us and available for questions pretty much night and day. They made the process so much easier. I really appreciate everything they did. They went above and beyond my expectations!

Joel and Kerry Harrison did an outstanding job in serving my mortgage needs. They reviewed numerous documents and provided a wide range of financing options. Everything was done very quickly and accurately. Also, besides their outstanding service, Joel and Kerry are truly a pleasure to work with. One more thing: Joel also did an outstanding job as my real estate agent; he handled a very complex transaction with great expertise. Joel is as good of a realtor as he is a mortgage broker.

Joel and Kerry Harrison are an incredible team! Joel is very knowledgeable and provided a detailed, yet easy to read and understand spreadsheet with my rate, payment, and savings options. Kerry was thorough and efficient at gathering the documents required for a clean loan approval quickly. From start to finish my refinance took less than 18 days with an appraisal. I absolutely will continue to use Joel and Kerry for all of my home loan needs and would highly recommend them to anyone looking for an experien

My husband and I would like to send out a huge thank you to both Joel and Kerry from America?s Loan Advisors. We recently completed a second home refinance with them and I cannot say enough great things about how they conduct business. It was late afternoon when I had spoke to Joel about options that we had with our situation and telling him that we would like to proceed. The great thing I liked about my conversation with Joel was that he asked what I was trying to accomplish and then he provided me with

I sincerely struggle to find the words to accurately reflect the level of gratitude my husband and I have for the dedication and hard work (and I mean hard!) that Joel and Kerry have put into helping us accomplish our financial goals. We were lucky enough to find them after what seemed like endless efforts and online searches which only led to disappointing experiences with other realtors and lenders. Joel and Kerry?s professionalism, knowledge, and attention to detail is unmatched. They will go the extra m

Joel and Kerry are phenomenal. Both are clearly experts at what they do and are an absolute pleasure to work with. They don't rely on cheap sales tactics to get business (if you've reached out to companies like RocketMortgage, you likely know what I mean). Joel and Kerry handled our mortgage refinance and completed everything at least a week sooner than the completion date estimate given by all other lenders/brokers I spoke with. I contacted somewhere around 8 or 10 lenders/brokers and America's Loan Adviso

So I might be bias, because Joel is my brother and Kerry is my sister in law. The fact is I have been in the mortgage industry for over 28 years but I am not allowed to do my own loans with my own company, it is considered a conflict of interest. So I called the expert who trained me in the business my OLDER but much better looking bro. I am probably the worst client to have, my financials are complex, rental properties, other companies, properties with associations and I think I know best. My files are lot

Thank you, Joel and Kerry Harrison, for everything you did and continue to do for us in the world of lending and mortgages. We cannot thank you enough for walking alongside us. We knew your expertise and professionalism but the extent to which you went the extra mile really means a lot. They are professional and kind and had great patience as we navigated the purchase of our first home. We highly recommend anyone reach out to Joel and Kerry!

They have access to a ton of different loan options which makes shopping around a lot easier. Also, they have a home-buying program where they can also act as the realtor. We just needed to find the home ourselves (easy enough!) and then they help navigate all of the paperwork. With this program, they were able to put a percentage of their commission towards closing costs. Lastly, I'm a first-time home buyer. It will probably be the biggest purchase of my whole life, so I was very nervous. But, Joel and Ker

Outstanding experience! Joel and Kerry couldn't have been better. They were very accessible and responsive, and walked me through every step of the process. Their knowledge and level of customer service is unmatched. I highly recommend this team for your home financing needs. They won't let you down!

Joel has extensive knowledge about the mortgage business from his decades of experience, but that's expected. Gauge a lender by their willingness to go out of their way to help people. I'm a realtor, and my buyer decided to change jobs the week of his escrow closing! Normally, that would cause a lengthy delay to re-verify employment, and most lenders would wait two weeks until he got his first paystub. Joel personally took charge and expedited the verifications, and WE CLOSED ON TIME, without any delay! It

Joel and Kerry, they are an absolute amazing duo to work with. My refinance experience with them during this COVID-19 pandemic period was so soothing, it made things easier for me to relax. I certainly appreciated the way they handled everything, from early paperwork to securing the lowest possible refinance Interest for my closing disclosures. Never once did I think about whether it mattered if they were local or out of the area from where I work or live. Their honesty truly impacted my decision in choosin

I used America's Loan Advisors to refinance my house and they were awesome. Working with Joel and Kerry made the entire process easy and stress free. They are extremely knowledgeable, so i felt confident having them guide me through the process. I highly recommend them!!

I recently closed a loan with Joel and Kerry. They were both very professional and friendly throughout the whole process. I will definitely be recommending them to my friends and family. I have worked in the Real Estate industry before and there are some fast talkers who do not stay true to their word. These folks are "straight shooters" in my book and I highly recommend using them for your next home loan.

Joel and Kerry were such a pleasure to work with during this whole process- I don't think we could?ve done it without their guidance and expertise! They both had great communication and were quick to answer our endless questions! Luckily they both really know what they're doing since I certainly didn't as a first time home buyer! Thank you both so much!! :)

Normally, I don't write reviews... I stray away from it. I've probably only done it when I have to. Joel and his team did our refi. They are on point, dialed in, professional, quick, and found great solutions for us. They are kind and easy to talk to. I highly recommend them for any and every service they offer. I give them 10/10. Like I said, I literally never write reviews, but Joel and his team were terrific, and I'm more than happy to give them a satisfactory review!

Joel was easy to work with, personable, and most importantly, extremely knowledgable. He helped my husband and I get the best deal possible on our first home purchase by encouraging us to use a government program (MCC program) that benefited us financially. Undoubtedly, we will be working with Joel in the near future when we buy our second home!

Joel and Kerry were a pleasure to work with during my refi. Extremely responsive and professional throughout the process. Delivered the refi in quick order and I received a very competitive APR. Won't have any worries using their services again.

America?s Loan Advisors worked with me in getting a home equity loan. They were knowledgeable, professional and patient, explaining each step of the process. I am very pleased with my experience with them and would highly recommend them.

Joel and Kerri are both very professional and make the process of applying, qualifying, and securing a loan fast and easy. I have used ALA for several refinances and plan to use them again.

Joel and Kerry made refinancing a breeze! They were very pleasant to work with and extremely knowledgeable. I highly recommend choosing America?s Loan Advisors!

Joel and Kerry handled our Refi and could not have made the process easier! We couldn't be happier with the service and professionalism that they provided. I would and will recommend them to everyone!

Just refinanced a mortgage loan. The quality & timeliness of service from Joel & Kerry Harrison exceeded my high expectations.

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

How do I find a CPA in my area?

Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

How can I verify a CPA’s license?

Visit your state’s Board of Accountancy website or use CPAverify.org to check a CPA’s license status. Confirm their license is active and check for any disciplinary actions or complaints. This ensures they’re in good standing and meet professional standards.

What questions should I ask during a CPA consultation?

Ask about their experience with your financial needs, fee structure, availability, and communication style. Inquire how they handle tax filings, audits, or financial planning. Ask for references or examples of similar work to assess their expertise and fit.

How much should I expect to pay for a CPA’s services?

Fees vary based on location, services, and complexity. Basic tax preparation may cost $150-$500, while business accounting or audits can range from $1,000 to $10,000+. Request a detailed fee structure upfront and compare quotes from multiple CPAs.

Can I work with a CPA remotely?

Yes, many CPAs offer remote services through secure online platforms for document sharing and virtual consultations. Ensure they use encrypted tools for data security. Remote CPAs can be effective if they understand your local tax laws or business regulations.

How do I assess a CPA’s communication skills?

During consultations, evaluate their ability to explain complex financial concepts clearly. Ask sample questions about taxes or financial strategies and note their responsiveness and clarity. Good communication ensures you understand their advice and fosters a productive relationship.

What red flags should I watch for when screening a CPA?

Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

Should I choose a CPA from a large firm or a solo practitioner?

Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

How often should I meet with my CPA?

For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.

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