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First Command Financial Advisor - Jonathan Zermeno

First Command Financial Advisor - Jonathan Zermeno

Reviews Summary

The reviews consistently highlight exceptional financial guidance, personalized attention, and deep expertise. Clients appreciate the advisor's patience, clarity, and ability to simplify complex financial matters. Many note feeling more confident and secure in their financial planning, with tailored solutions that align with their goals. The advisor's supportive, friendly approach and regular check-ins are frequently praised, making clients feel valued and well-cared for. Overall, the service is highly recommended for its professionalism, trustworthiness, and transformative impact on financial well-being.

About This Listing

Financial Advisory
Risk Management

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

Financial Advisory
Risk Management

Contact Information

Address

12419 Lewis St Ste 104

Garden Grove, California 92840

Visit Website Call Now Get Directions

Hours

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

Customer Reviews

I would love to recommend everybody at First Command and my financial advisor Jonathan Zermeno to anybody that is seeking financial guidance. The attention to detail and effort that is put into helping you make the best financial decisions for yourself is nothing short of amazing. I was recommended by a good friend of mine and ever time I schedule a meeting with my advisor to overlook my investments I never fail learn something new. I would definitely recommend First Command to my friends and loved ones bec

I've been working with Jonathan for the past 2-3 years, and I couldn't be more grateful for his guidance. He has helped both my husband and me navigate our financial goals, always with patience, clarity, and great expertise. Jonathan?s attention to detail and personalized approach have truly made a difference in our financial planning. We trust him completely and appreciate the effort he puts into understanding our needs and finding the best solutions. Thank you Jonathan!!

It's rare that you find a friend as caring and supportive as Jonathan in life. But to find an advisor who is just as good? Impossible I say! I didn't even know I needed a financial advisor until I reached out to First Command which was done on a whim. I feel much more at ease with my financial future with him looking out for me When I decided I wanted to purchase a home, Jonathan even helped me out with that. It is my pleasure to endorse First Command and it's efforts to allow people like Jonathan to help

Johnathan has been a great advisor for my family and I. He's made it fast and easy to understand our financial goals and personal goals. Johnathan has supported us and guided us through the process of our personalized plan, making us feel like we are family and welcomed. Always has a positive mind set! Thank you John!

Jonathan and I have been working together for a little over a year now. I never paid attention to finances, but post-grad school decided to buckle down and make some goals. Jonathan helped me start my RothIRA, made goals for savings and future and does check-ins. These are things I would not do on my own so having someone like him really helps me keep on track! Highly recommend

Jonathan was very helpful in guiding my parents and me through some important financial matters. He explained everything clearly, showed great patience, and made us feel confident in our decisions. We truly appreciate the professional and personal care. Highly recommend! ??

I have been working with Jonathan for over a year now and have enjoyed getting to know him as well as learn more about my finances. He is extremely knowledgeable and I feel very safe knowing that I have someone like him assisting me financially!

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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