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Firm Foundations Insurance & Benefits Center

Firm Foundations Insurance & Benefits Center

Reviews Summary

Customers consistently praise the exceptional service, expertise, and professionalism of the insurance team. They highlight thorough guidance through complex processes, personalized solutions, and clear communication that simplifies insurance decisions. Many appreciate the patience, responsiveness, and genuine care shown in addressing their needs, often going above expectations. The staff's ability to save clients money, resolve issues efficiently, and provide compassionate support earns strong recommendations. Clients feel reassured by the team's integrity and dedication to finding the best coverage options.

About This Listing

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.*

Contact Information

Address

1530 Humboldt Rd #5

Chico, California 95928

Visit Website Call Now Get Directions

Hours

Sunday Closed
Monday 8:30AM-5PM
Tuesday 8:30AM-5PM
Wednesday 8:30AM-5PM
Thursday 8:30AM-5PM
Friday 8:30AM-1PM
Saturday Closed

Customer Reviews

Firm Foundations is an incredible company. Not only are they professional and knowledgeable, they are KIND. Insurance is extremely challenging to navigate, but Stuart and Dale took so much care when helping us with our policies this year. We feel like we are in good hands and have breathed a sigh of relief knowing they are on our team. I highly recommend this company! They are the real deal and will handle your insurance needs professionally and with compassion.

I'm turning 65 this year and it triggered the loss of health insurance coverage from my former employer. I thought I'd be able to figure out Medicare for myself and independent insurance for my wife and dependent daughter. But after facing numerous decisions and difficult to answer questions, I realized I really needed help. I should have gone straight to Firm Foundations at the beginning! I fully recommend this place. We worked with both Dale and Stewart. They are extremely welcoming and friendly and you

Back in 2019, I had taken early retirement and was in need of Healthcare for my family. We were confused and overwhelmed with the options that were initially given to us, so we were in need of guidance. My wife's boss uses Firm Foundations for their services and they highly ecommended that we call them. We set up a meeting with Dale Penny, and it did not take long for him to put our minds at ease. Dale was attentive to our specific needs and got us the best coverage at a great cost, and he did most all the

Dale with Firm Foundations was of great help and support with signing up for Medicare part A and then when time for part B. Also his help was invaluable in selecting my supplemental insurance. I felt overwhelmed with the process but with his guidance I am now insured for this next faze of my life. I am also appreciative of the front office staff for their friendly and helpfulness when I would call in.

We are so impressed with the Staff at Firm Foundation Insurance. Melissa and Dale are absolutely incredible. Dale is so patient and has helped us in what seems to us to be a complex situation. He simplifies it and was willing to see us and accurately explain how to go about all the changes we needed to make. We're very thankful for people like them who go the extra mile.

Thank you Melissa at Firm Foundation Insurance for giving me the best experience. You had such patients with all the questions I had for you. Trying to figure out what was happening with my medical bills was such a headache. But thanks to your quick communication, you saved me from paying bills that weren't necessary and even spoke on my behalf a couple of times. Highly recommend this company!!!! Thank You

The insurance business is commission-based and it is a rare gem that puts the needs of their clients ahead of profits. Dale's integrity, combined with a sincere desire to look out for his clients, is such gem. Having become 100% disabled in our 50s presents a multitude of problems and expenses. Dale, has spent an innumerable amount of hours over the past 5 years , researching the best plan to meet our ongoing medical needs. He sacrificed his commissions (but never told us) to present us with the best hea

Dale Penne has served my business and family insurance needs for over 15 years. His experience and team of professionals has helped us navigate the complex insurance landscape while providing us with expert advice and value. There is no other insurance team that I trust more than Firm Foundations.

This company saved me so much money during tax season. I have had another broker for 10 years and they had my subsidy calculated incorrectly causing me to owe taxes yearly. I switched to Firm Foundations and they caught it immediately and fixed and I actually got a return this year. Very happy with this company and would recommend to anyone!

We were looking for a supplemental insurance policy that would guarantee that we would not loose all our savings if we became ill. We met with Dale and he really listened to what we were looking for and he found a plan that fit us to a T. Great price and all the staff were very helpful and you can tell that they really care about getting you the best deal for your money. I highly recommend making an appointment with Dale

Stuart walked me through the process step by step and explained everything very well. He was knowledgeable, professional and friendly. Choosing insurance can be confusing but he made it a much easier process. I would highly recommend him.

Stuart has been so thorough and highly prepared at every meeting and always immediately responsive. We couldn?t ask for anymore. Thank you. We are so happy with Firm Foundations!!

These guys are awesome. I was in a bit of a pickle with health insurance and these guys worked hard to find a solution that was just right for my family. I'm a super busy person and they were able to simplify the process and get me a solution when I was able to come in. They did a lot of legwork calling doctors and other health insurance professionals making sure I got the best solution for what we needed. FIVE STARS!

Always answer the phone, very informative and helpful, the staff is extremely polite. I have had my insurance thru Firm Foundations for several years. They are the best!!

Matter what questions I have for Stewart, he is able to find the answer and happy to do so. I really appreciate the professionalism has shown over the years.

Stuart made the choices we had to make clear and understandable. I highly recommend this company.

The staff has always been reliable, spends time with clients explaining policies and is personable!

Stuart took his time to deal with my multiple questions and complicated case.

It is a real pleasure to deal with people who absolutely know their business and know how to communicate with you.

Always there when I need them!

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.