Integrity Financial & Insurance Services

Reviews Summary

The reviews consistently highlight exceptional service, with advisors praised for their professionalism, expertise, and personalized approach. Clients appreciate clear explanations, patience, and a focus on retirement planning. Many note the team's kindness, ethical standards, and willingness to go above and beyond. The advisors are described as trustworthy, responsive, and dedicated to client success, making complex financial topics easy to understand. Small-business values and strong relationships are frequently mentioned, with high recommendations across the board.

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

3633 Inland Empire Blvd Suite 860

Ontario, California 91764

Phone

+1 909-599-2800

Visit Website Call Now Get Directions

Hours

Sunday Closed

Monday 9AM-6PM

Tuesday 9AM-6PM

Wednesday 9AM-6PM

Thursday 9AM-6PM

Friday Closed

Saturday Closed

Customer Reviews

As an advisor with 28 years experience who only does retirement planning, I have to say that Integrity Financial and Insurance Services does an amazing job. I've seen first hand how they treat their clients, staff, and family. Even though I'm an advisor I know that my own planning for myself and my family can contain biases. When looking for advice, I sought out their expertise, and added it to my own for the best guidance possible. If you're looking for an advisor to help you plan for your future, look no

I met Steve and the twins a while back and wish my family would have started with them even earlier. They are patient and easy to work with. I felt like they listened to my goals and didn't pressure me. I was able to rollover my old 401K, get life insurance for my family and make sure my IRAs were on track to hit my retirement goals. I highly recommend them!

The Financial Brothers (Aaron & Alan) are very dedicated to what they do! Not only are they good with finances but also kind/caring people. I've had very good experiences every time I've come in contact with them! Highly recommend you come in to see them for your finances!

I highly recommend Alan and Aaron Cruz, and their firm The Financial Brothers, for all your financial planning needs. I was impressed by their professionalism, knowledge, and responsiveness. They take the time to thoroughly understand your situation and develop a comprehensive plan tailored to your needs. They truly care about your financial well-being and are always available to answer any questions and provide guidance. If you are looking for a financial planning firm that you can trust to provide expert

I met Steve through an old coworker of mine who referred me to him. He was very helpful, explained my options for me and my family and made me feel like I was being heard. They eventually helped me with establishing retirement accounts and providing a real retirement strategy. He made the rollover process of my old 401k really easy and I would recommend Steve and Integrity if you need help.

Me and my family got an exceptional experience with Integrity Financial & Insurance Services, from the moment we engaged with their team, Alan and Aaron commitment to professionalism and client satisfaction were evident. They were very knowledgeable, patient, and went above and beyond to address all our questions and concerns. Their dedication to integrity truly sets them apart. I highly recommend their services for anyone seeking trustworthy and comprehensive financial solutions.

Alan and Aaron have been such a great help for us over the years. They are extremely knowledgeable and have always been very welcoming. The staff is personable and makes a point to learn about our family in the process. It is always a pleasure to be around their office and to see them as a part of our church congregation.

I cannot convey enough gratitude for the degree of professionalism that Integrity Financial Services has. I am very impressed with their process and the solutions that they utilize to solve financial issues and problems. I highly recommend anybody to call Integrity Financial Services.

I met the twins and Steve about a year and a half ago and I'm so thankful! They have helped me with figuring out the retirement puzzle and been super patient with teaching me about my options. I highly recommend them and even have sent them clients from my own business. If you have a minute, talk to them and see what I mean.

I have a strong and positive relationship with Integrity Financial and the Financial Brothers. I trust the crucial element in financial planning, communication, and collaboration on strategies for my future and legacy. I couldn't ask for a better team!

I would highly recommend Integrity Financial. We've worked with Aaron for a few years now and he's friendly, professional and down to earth. He takes the time to explain everything so we have a clear understanding of what our money is doing and how we can ensure we're getting the most out of our investments.

The financial brothers are a top-notch team of financial advisors. They saved my mother from a horrible financial product that she didn't understand and moved her to one that is performing better and has her mind at ease in her retirement. If you need to start a retirement plan, make changes, find a better investment opportunity, or you just don't think your current advisor is paying attention, it's time you made an appointment with the financial brothers.

I've known Steve and the twins for almost 15 years...I finally decided to get my retirement planning in order and Steve was the 1st call I made. They made rolling over my old 401Ks super easy and I love being able to call them and get answers whenever I need financial advice. I highly recommend them.

The Financial Brothers have helped us get started in our financial journey even though it's later in life. They explain everything in plain English which helps in the understanding of legal ease! The personalities of each member makes you feel right at home and that you have a friend for life. We would Recommend them to anyone.

Aaron, Alan & Steve, have been very helpful in our transition from the two giant and well known financial investment companies we had manage our retirement portfolios. They have explained our options to stay with what we had or to move over. No pressure whatsoever. We look forward to working with them for years to come.

Genuinely good people and always helpful with retirment questions. The Cruz brothers are always so accommodating and go out of their way to meet you at your house to sign paperwork. All financial products are the same with a big company so I'd rather give business to a small company that don't treat you like another number. It feels good to support a small business and be treated well.

We met the team at a dinner education event and couldn't be happier! Steve made it simple and easy to understand and were glad to move forward with them and recommend them as advisors!

Chenae provided clear guidance and concise analysis of multiple plans to make certain we chose the right plan for the two of us. Would highly recommend her for any of your insurance needs?

Aaron Cruz is professional and I value his expertise. He is easy to talk to and down to earth. Aaron helping us create the retirement we are dreaming of!!

Steve is fantastic! Patient, informative, highly knowledgeable. The entire team is friendly and now part of my community. Highly recommend this team and service.

Gabriel and his team are very knowledgeable and ethical people to work with. Anyone who has the privilege to utilize their services is very blessed! Highly recommended!

I'm so happy I met steve and the twins. They were able to fix my retirement accounts and understand my ROTH needs. I highly recommend them.

Meeting the Financial Bros & Steve Ruiz has been the best thing to happen to us & our financial future. I highly recommend working with them.

Alan and Aaron are competent, caring, and conservative. Traits I value in an advisor. I appreciate their assistance in managing my portfolio.

I have used them for my entire working career and they have always given me good advice and available for any questions

The Cruz brothers are so hospitable and have done so much to ensure we get the best service possible. Thank you guys for helping my family and I!

very kind and welcoming business. they have honest hardworking employees that will help you with anything you need

Here with CRUZ BROTHERS having a wonderful experience Here to take care of all my financial and retirement investments

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.