JW Financial Solutions

JW Financial Solutions

Reviews Summary

The reviews show a polarized experience: many customers praise the company for professional service, effective debt consolidation, and excellent customer support, particularly during financial hardships. However, a significant portion report negative experiences, including accusations of hidden fees, delayed refunds, worsening credit, and unmet promises, with some calling it a scam. Satisfaction appears heavily dependent on individual outcomes.

About This Listing

Tax Preparation
Tax Planning
IRS Representation
Financial Advisory

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

Tax Preparation
Tax Planning
IRS Representation
Financial Advisory

Contact Information

Address

2603 Main St Suite 100

Irvine, California 92614

Hours

Sunday Closed
Monday 7AM-6PM
Tuesday 7AM-6PM
Wednesday 7AM-6PM
Thursday 7AM-6PM
Friday 7AM-6PM
Saturday Closed

Customer Reviews

I was in over my head in credit card debt and my credit score was so low that I could not even support my husband when we brought a new car because my credit actually hurt us! JW has been easy. Helpful. Consistent and best of all they are flexible and helpful with me and the costumer service is honestly really genuine and amazing! I didn't think credit consolidation could be a positive experience? but JW has really helped me get my debt under control (and I didn't even have to do anything except call.) Than

I had the same experience as the last two posted and was not provided the full picture by a smooth talking sales rep, no mention of 3-4months to wait for an agreement, plus provided a skewed picture of how my credit would experience a brief slight dip ( in reality it would be roughy over 2years before my credit would recover from this dip). I have good credit, just a lot of it, so I wanted to consolidate. By the time I caught wind of all that was not disclosed to me - I was met with another surprise after c

Consumers Beware.... This is not a solution... this program causes more financial hardships... you have to miss at least 120 days of payments before they are in a position to negotiate with you creditors. By then you are deeper in the financial hole and it is hard to get out of. I was able to cancel out of the program but it took from 9/23 to 10/14 to receive a portion of my first payment. The 3rd party company Cross Roads Financial Technologies clipped $30.80 ($9.95 x 4) claiming non-refundable fees for d

Not what I expected!! I applied for a debt consolidation loan that, guess what, I didn't qualify for and that I had to speak to a different representative (red flag #1). Representative #2 explained why I didn't qualify for the loan, but qualify for a debt consolidation program offered by JW Financial and that I needed a pen and paper (red flag at half mast). As soon as he went into the pitch, I immediately recognized the sales technique, having been in sales for over 20 years. I declined realizing what th

I felt like I was talking to a family member the whole time. They gave me great advice and really took great care of me. They made sure I fully understood everything and stayed in contact with me to make sure everything was going smoothly Best service i've received in a long time.

It was horrible!. They told me I legally could not be contacted by the company's I had debt. Next thing they try as and sell me insurance to cover any cost if these companies if they were to take me to court. I declined. Next thing I get a court summons. Had to go to court!!! Luckily their legal representative didn't show up in time and the judge let me go. I had to sell my house to pay off the debt. Since them I have been unable to afford an apartment so I've been living with friends. I had to call custome

I received a letter in the mail for the services of debt consolidation. I called the number and first spoke to Abraham who then transferred me to Brandon. He went through my credit report, read off my credit and what bills I was looking to pay off. I explained to Brandon twice I am not looking for your company to negotiate my debt with my creditors, or have me not pay my bills or have creditors contacting me. I am looking for a debt consolidation loan to where you pay my creditors and I pay back with in

DO NOT USE THIS COMPANY. They wait until your credit card payment is late for 7 cycles. Then, if you cancel they give you half of your money back. I can't stress this enough: DO NOT USE THIS COMPANY.

Calling JW Financial was the best decision I've made. I tried my best to manage my financials during this covid period but unfortunately I used a lot of my credit limit and got stuck. My bank wouldn't refinance my loans and couldn't consolidate them either and I had no clear vision on how to get back on track until I ran across JW Financial and decided to give them a try. Again, it was the best decision in my life. I am happy to say I am back on track financially and couldn't of done it with out your help.

SADLY THESE GUYS ARE SUPER SCAMMERS AND DID NOTHING TO RELIEVE DEBT AND KEPT OVER 18K OF MONEY AND SET UP A PERFECT POSITION FOR A LAWSUIT. STAY AWAY FROM THESE CROOKS NOW CAPITAL ONE IS GARNISHING AND THEY SUGGESTED BANKRUPTCY AND REFUNDED 12.00 ONE STAR TO GET THIS REVIEW THROUGH TO YOU! HOW DO YOU PEOPLE SLEEP AT NIGHT!

I signed up for the program about 2 months ago... I decided to go another route and canceled my service with jw... when you sign up theybstate your not responsible for anything if you decide to cancel or liable for anything and you get your money back.. thats not the case here I was told I would get my 2 payments back in full which I did not im still owed 226 dollars.. when I called for the rest of the 226 they said it would b 7-10 business days before I would get the 226 back... I never received the 226 s

I am very satisfied with the service I received. I was a little nervous at first, but they made sure I was comfortable and walked me through every step.

This company caused me to be sued by my creditors and then they said there was nothing they could do with the extremely high payment that I was forced to pay. I went from paying around 300.00 to 900.00 a month. I paid for services not received!

Rip off! They didn't fund my account up front like other reviews have stated. They want my accounts to be negatively affected before they do anything. I had to pay late fees on top of not getting a refund! What a way to put me further in debt.

I had a good experience and they did a great job keeping me involved and updated along the while process

Best experience I've had in a long time working with a financial company. Very professional and honest people.

Don't ever trust or believe this company u will be worse than when u started...I'm having to hire a lawyer against this company.

JW Financial is the best company I worked with. They have delivered on what they said they would and made the process very effecient and easy.

I am very happy with the results. Great job finding a solution that worked perfect for me and my family

Happy customer PROACTIVELY LISTEN TO MY CONCERNS. WORKED WITH ME FOR A PRODUCTIVE END RESULTS TO MEET THE NEEDS OF MY FAMILY..

They did a fantastic job on the consolidation. Process was quick and efficient. They didn't waste my time.

The representative was very nice and helpful with all my questions as well as concerns about the program

So far everyone on your team has been very helpful. They have answered all my questions.

Good service and loans. Better rate than the other company I applied with and faster smoother service.

We are very happy with ther end results and the great customer service.

Excellent job. I appreciate all the support and taking time to explain the program and answer questions.

Rotten service caused one of my loans to be taken to court and they want me to pay more when I've already paid more then I was supposed to

Paid for services not received. Paid them over 24 months then they demanded another 18 month. Shady group.

I am very thankful for the assistance. I tried a few companies and no one helped me like JW Financial

I received what was promised to me and I felt like they went above and beyond on their customer service

Covid really put us in a tough spot financially. JW Financial was there for us and have taken great care of us.

Best customer service I have experienced in a long time!

Good loan products and they were very professional and helped on each step.

Starting 2021 by finding JW financial is the best decision that I've ever made!

They did a good job on my consolidation.

This place is a scam they charge fee without telling you

Sam was an awesome help help me with all the steps

It's a great place to get a quick loan.

Great service, answered all my questions

Honestly it seemed much easier than expected.

Excellent service and rate. Thank You.

They have been very helpful, THANKS JW

Very professional and streamlined process.

Excellent Customer service!

Very informative & helpful!

It was a positive experience.

(Translated by Google) They are a scam and there is no clarity in the entire process, they paid 6 months of my money to consolidate 3 credit cards and then they only had one lender who owed 25% of the APR, and then they put their costs on that loan and they were super high, more than 4 thousand dollars for the 3 cards, in the end I did not solve anything and my credit is still bad and I also have almost the same debt or more than when I started, with the same credit problem, I do not recommend this solution

(Translated by Google) Pay $372 monthly for 5 months. And they did nothing, when I decided to cancel an employee via phone told me that he would refund my money And it was lies, they kept the money I paid????be very careful with this!!! (Original) Pague durante 5 meses $372 d?lares mens. Y no hicieron nada, cuando decid? cancelar un empleado v?a tel?fono me dijo que me reembolsar?a el dinero Y era mentiras se quedaron con el dinero que pague????mucho cuidado con esto!!!

(Translated by Google) Very satisfied, Alex Mart?nez assisted me, very professional and friendly, very reliable, I felt super calmer, they advised you and helped me with my loans and the payment was lowered, I feel satisfied (Original) Muy satisfecha ,me atendi? Alex Mart?nez , muy profesional y amable muy confiable me sent? s?per m?s tranquila te aconsejan y me ayudaron con mi pr?stamos y el pago me bajo me siento sastifecha

(Translated by Google) I don't know what to do, this company kept all the money I paid for a year!! They don't help you at all, they just steal from you! (Original) No se que hacer esta compa??a se qued? con todo el dinero que pague por un a?o!! No te ayudan nada solo te roban!

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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