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Independent Wealth Solutions

Independent Wealth Solutions

Reviews Summary

Customers consistently praise the financial guidance, personalized service, and long-term trust they've built with this team. Many highlight successful retirement planning, family-focused strategies, and patient, thorough advice—especially for cautious investors. The team is commended for making complex finances manageable, treating all clients with equal care regardless of portfolio size, and fostering a welcoming, family-like atmosphere. Multiple generations rely on their expertise, from young professionals to retirees, appreciating their educational approach and tailored solutions. Trust, reliability, and holistic support are recurring themes.

About This Listing

Business Consulting
Tax Planning
Financial Advisory
Estate and Trust Tax
High-net-worth Individuals

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

Business Consulting
Tax Planning
Financial Advisory
Estate and Trust Tax
High-net-worth Individuals

Contact Information

Address

763 2nd St STE 200

Encinitas, California 92024

Visit Website Call Now Get Directions

Hours

Sunday Closed
Monday 9AM-5PM
Tuesday 9AM-5PM
Wednesday 9AM-5PM
Thursday 9AM-5PM
Friday 9AM-5PM
Saturday Closed

Customer Reviews

I've been working with IWS for the past couple of years and have had a great experience. My parents have trusted them for over 20 years, and they've always gone above and beyond?especially with my dad, who's very cautious about money. They've been incredibly patient and thorough, which I really appreciate. As a small business owner planning for retirement, I was feeling overwhelmed. But Max made the process feel manageable. Even though I'm not working with a huge portfolio, Max and Ricky treat me with the

Maxwell and Ricky have been a great support to the changes in my life and guiding a pathway toward financial sustainabilility in the near future. They work as a united team and makes me feel a part of their "family." Their sincerity goes beyond my financial well-being and into my personal and professional success. I have full trust in their management of my funds as it truly feels like a partnership to work alongside them as they walk me through processes and educate me in the areas of finance that I'm less

Wittenberg Financial and now Independent Wealth Solutions have been guiding us the past 30+ years and we haven't gone wrong with their advice, friendship and care. We are in our retirement stage and are able to do all the things we've ever wanted to do including travel, home upgrades and also support our grown children to achieve their dreams. Thank you Steve, Max and Ricky! You guys are the best!

Extremely grateful for the consistent, continued advice Independent Wealth Solutions has provided both me as an individual and my family alike. Their trustworthy and knowledgable team helped me strategize a retirement fund with ease. As my family life grew bigger, I once again leaned on Independent Wealth Solutions for strategic planning for college accounts, advice on life insurance, and more. I am beyond appreciative for the guidance and support given to both myself and my family throughout. In a world

Couldn't have asked for a better experience. Being 26 years old and with a background of not having much financial success in my family, I really needed some help with the little money I had. So stoked to have found Max. He helped put financial goals for me in place, and tailored our plan around my needs and capabilities. Super rad guy, who made me feel very comfortable and understood. I now feel like I have a way better direction of where I am headed financially. 10/10 would recommend!

Engaging the services of a Independent Wealth Solutions has transformed my financial literacy. Their expertise and personalized approach created a comprehensive financial plan tailored to my needs. Max and his teams' dedication to education empowered me with knowledge for making informed decisions. Inspired by their impact, I introduced the team to my family, knowing they would benefit too. The IWS team addressed our concerns, fostering trust and open communication during family meetings. They presented com

For over thirty years they have made us feel like their only client. They listen to our plans and aspirations and help us achieve our financial goals. Our daughter relies on them too!

Trustworthy, helpful, and very knowledgeable. They helped me set up my retirement and college accounts. I will also be going back to them once I get my Masters in Special Education because they are great at setting up teachers with financial tips and retirement benefits.

It is an absolute pleasure to have met with Max today. This is a family owned and run business. You feel apart of the family the second you walk through the door. The level of professionalism is unmatched thus far. I highly recommend this business. Thank you for all the help.

Max is truly the greatest. He is not only personable but extremely reliable and always answers my questions in a timely manner. I can't say enough about this company! They have saved me so much time and many headaches because they take care of it all!

It's always a great experience working with IWS. They're so kinda and welcoming. I'm a cautious person with my investments and they still manage to get me where I wanna go!!

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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