*Note: CPAs may specialize in different areas. Be sure to check credentials and service offerings.*
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.
*Note: Every CPA operates a bit differently. Don’t hesitate to ask questions before committing.*
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970 Reserve Dr #201
Roseville, California 95678
Katie is a remarkable ladie she is very helpful in answering any questions we might have, she is a very caring person,which means a lot to us.we are glad to have her.
Tammy P. Was with me from the start! It was a pleasure working alongside her, as I went through this journey of me trying to learn how to make the right decisions in my financial nightmare. At first you don?t believe that there is a light at the end of the tunnel but there is. I started to get skeptical about my outcome in the middle of this financial journey. Thinking I made the biggest mistake in my life! Tammy reassured me and she was right. Learning how to live within my means was the best decisio
Thanks for Tammy I receive so much not understanding information.She went beyond the call of duty to try to help me She is really good for the company. I will never forget her. Even though I had To leave the company I will always be grateful for her To her supervisor You have a good worker on your team. Be bless Tammy and please check on me sometimes You are a good person
Wanted to say thank you to Level 1 Debt. Especially Tammy Pecht for all her assistance in helping me put my debt behind me. It has been a pleasure working with her and rhe company.
Tammy has been a very knowledgeable and helpful coach! I feel like I have a lot more financial tools to get me on the road to financial success and freedom! I always enjoy our phone meetings every month and all the info I get from her about moving forward towards a good financial future for myself and my family!
Thank you. It is always nice to get a refresh on what our needs and wants are. Consumption is pushed in our society and it is a foggy, misleading path. I'm so appreciative of the help that Level Debt has offered me. Thank you. Jesse
I have been a client of Level Coaching for about two years now. Tammy has been an amazing coach through this process, offering tips and advice on how to maintain proper budgeting and plan for the future as my debts are cleared. Many people find themselves in this situation and its invaluable to have a someone to help you through the process.
I started this journey October, 2022. I have learned so much in this program. Coach Tammy has been awesome as well as the other coaches I have worked with. Working with Coach Tammy have taught me discipline on what I needed to do. I have let my other family and friends know about the new things I have accomplished.
A++ Since I started this program, I feel I have a hold on my finances and I have a lot of information in regards to my future. I must say that Tammy is so nice and has a lot of information to help succeed in the program and in life. Tammy and I not only discuss our workbooks but also discuss personal situations as it relates to our workbooks, that to me, makes much better. I feel like we connect and I can call her when I needed her. I am grateful for US Educational Financial Solutions and highly recommends
Melina was a great coach. She was punctual with all of our appointments, she ensured to ask me questions and check for my understanding and demonstrated a genuine interest in helping me achieve my goals. Thank you!!
You are lucky to have a person who knows her job and does it soo expertly. Her people skills are incredible. She cares abt her clients and their needs. I have been with Tammy Pecht for over 4 years now and she has built a confidence and trust with me in your company. I don't trust many, very few in fact. But I trust Tammy Pecht. And that's Alot in today's world. Don't ever let this one go. She's a Winner!!
I joined Level Coaching and it was the best decision I could ever make. The staff was always so amazing and I was assigned to Emeldo Munoz and he was fantastic always willing to help me and explained any questions I had. I would highly recommend this company!!!!
I got into some credit issues and entered a program to settle and resolve my debt. I was paired with Ms. Tammy Pecht and she was my consultant through-out the duration of the program. Tammy was patient, understanding, and an excellent resource while I paid off my debt. Tammy is busy, she works with a number of clients, and yet I never felt that I wasn't getting the attention I needed. When I had a question outside of our scheduled calls, she would get right back to me with clear answers and to be frank, co
To whom it may concern: I just want you to know that , even though it was my carelessness that put me in this situation, i want you and your company to know that i really appreciate your help. I also really appreciate the kindness and understanding that Tammy and Sarah have shown me, and look forward to continually talking to them.
Austin was great to work with. Let me take this opportunity to thank him for all his support from the start through to the end. I remember him saying he would be here through the entire process and he made good on that promise. I really appreciate his help and he always responded to my calls and emails quickly. I will continue to recommend you to anyone who needs this type of assistance.
I enrolled with U.S.Educational Financial solutions back in April of 2018. I am so happy that I enrolled in their debt solution program. I wish I had known about them sooner. They are the most informed, educated, and honest group of people. They really care about their clients. I have felt less stress and more contentment since I enlisted their help to get me out of debt. I absolutely recommend them to anyone and everyone.
I want to thank Thomas Vanasse for the great job that he is doing on my behalf. Having a chance to catch up on my debt load is a wonderful relief to me. Thomas is very efficient and also quite pleasant to talk to regarding my financial well being. I really do appreciate the time and effort which he put forth on my behalf. He is a fine person whom you will enjoy. Thanks to USEFS for working on my behalf.
This was the best thing I could have done! They helped me become debt free a lot sooner than if I would have tried myself! Dave and Tammy we very understanding and helpful when I first signed up! I?m very thankful for this service.
Miles was a true angel in out situation along with Dave. This program is a true blessing and Miles and Dave where both more than helpful. In the beginning process Dave was patient, understanding, and helpful. Miles on the other side was also patient understanding and helpful. They were both so very nice and respectful. I wish there was something I could do something for this company because I don't know what I'd do without them. Thank you to Miles and Dave for all the help and support.
Making that phone call to your agency was the best thing I could have done today. Joshua Newman was wonderful in explaining how the program works and was very efficient in obtaining everything necessary to make this process easy and fast. Thank you Josh, I really look forward to being able to save some money now.
Tammy had been an amazing coach in helping me restore my finances. I cannot thank her enough for the tremendous help she has provided!
Susan, is a very good representative. She provides excellent customer service and goes the extra mile, to respond to inquiries presented beyond her familiarity.
My experience with Dave thus far has been really great. His work-related knowledge and directional suggestions have been very helpful, and have aided me in making this move. I feel he is sincere, and has my best interest in mind as we proceed. He is easy to communicate with, and professional, as well as very proficient. I look forward to working with Dave throughout this program. Ken G.
This is a tremendous program that not only helps you address your financial challenges but also helps you and your family comprehensively with guidance to create a more wholesome family. I was amazed at the approach taken by USEFS not only to consider finances but the entire family dynamic! Tammy Pecht was a super regular check in partner for my wife and I and truly a top class person with whom to work!
This has been great program for me. The program help reduce my debt load and helped me pay off about twenty thousand dollars in about 40 months. It would have taken about 10 years to pay the debt without this program. It is great program and I am blessed to have found it. The suggestion: Should send a letter each year with status of payoff and could use email for that update. This is a wonderful program and people that I have communicated with have very nice and helpful. I would recommend this program to an
Because of the financial strategies I received from Kelley at USEFS Inc, I was able to get ahold of my debt and begin saving money for the first time in my life. In under a year, my credit score went from good to "very good" and I had enough money saved that my husband and I bought a house. I am eternally grateful for this organization; for helping me see that misusing credit keeps me in debt, if I keep living outside me means.
My experience with Dave was outstanding from the start. He was articulate and very caring in his presentation of this program. I would recommend him and this company to anyone. As a minister, I felt a strong "trust factor" with him. I look forward to our conversations together.
Ryan was very helpful and reassuring throughout the process of starting my journey to being debt free. He was very informative and answer all of my questions regarding how the program works and what to expect during the program and after the program. I am looking forward learning the steps to obtain and maintain a debt free lifestyle.
Level Coaching has been an amazing debt consolidation company to work with. Tammy P. has been a pleasure since our initial call and very helpful and understanding with scheduling calls.
I am in such a proud and happy place for the first time in years! This program has helped me change my life! It's been an amazing experience and a journey I'm so grateful I went on it. I am making better decisions, better than I ever have. The support is so valuable. You can't go wrong with this program. I feel very lucky I found it ??
Kristine Creswell, Aaron Alvarez and their teams are INCREDIBLE. They are both so patient and are dedicated to fighting for the best possible outcome for their clients!
Everyone needs financial guidance at some time in their life and I am no exception. For the past 2 1/2 years, I have used U.S. Educational Financial Solutions as a coaching tool to help me navigate the rough waters of financial education. Violet, my counselor, is my teacher and cheerleader in this regard. We conference every month and her advice is both pragmatic and encouraging. Finances shouldn't be the dirty secret no one talks about; they should be discussed in a non-judgmental learning environment.
My spouse and I have had an excellent experience with this company in general and with the educational component in particular. Our counselor is congenial and professional. She has the ability to encourage accountability to the program while demonstrating a high degree of empathy toward our situation.
A very organized, professional and effective approach to debt payment. Was able to systematically reduce debt with no strings attached and now being debt free has afforded me the opportunity to save money for travel and "rainy days". I would highly recommend anyone giving this product a try, it will change your life for the better!
My experience with Jordan was so great. He explained everything about the company and how it works and how it could help me he made the process so easy and I didn't feel so bad about asking for help. He worked with me until I felt l could afford the help. He was always there when I needed to talk or had a question and l would recommend him to anyone who needed help and l could go on and on but I know Jordan will be there to help me. Linda from Florence Al.
Thank you so much! I am learning so much about finances that I wasn't taught. The best part is that I am not uncomfortable ever calling for any questions I have. When I tell them how bad I feel about my financial situation getting away from me, they don't ever put me down. They know how bad I feel and how bad I want to learn to change. I take this program very seriously and what I am learning in my studies is good. The best part is the one on one phone calls to go over what I'm learning. Not once have I fel
I really struggled with putting my finances in order after few not so good years for my business. At first I tried to do this alone, but quickly figured out this is not the smartest way to go, so I went out to search for additional coaching for reducing my debt. It wasn't until I reached out to USEFS and talked to Josh, when I finally found a solution to my problem. Thank you for the great work Josh - the learning sessions and materials truly helped me transform my business for the better. I highly recommen
I would like to Thank You Ms. Pecht as my coach to my financial success. Working with you was really such a relief for me. I can genuinely say that you lifted the burden off my shoulders from my difficult financial situation. As your client, I would like to tell you how grateful I am for your time and support in this personal matter. Thank You very much Ms. Pecht. Sincerely, Lucia
We are very pleased with the results both Ryan and Josh provided. They were very professional and knowledgeable. They gave us some options to help with our situation,and their assistance made us choose them instead of other companies that have approached us. They were quick and precise understanding our needs.
When I found out about US Eduatiinal Financials Solutions, I was a little skeptical. I had a bad experience with another company who wanted me to just quit paying on my credit card, go into default, and then let the credit card company?s insurance pay off my debt ALL THE WHILE still paying the third party company to do NOTHING!! USEFS helped me reduce my interest rates DRASTICALLY and put me in a 5 year payoff plan. It was just what I was looking for. I am responsible for the money I spent. I did t feel ri
USEFS is the best debt settlement program available. Tammy Pecht is the most considerate, knowledgeable and professional counselor. She truly cares about her clients. The program offers outstanding education in not only how to eliminate your debt, but how to stay on a steady course once the program is completed. The counselors at USEFS are always available to answer questions and the program moves rapidly. Thank you USEFS and Tammy Pecht. You are greatly appreciated.
Thanks much for taking care of this for me. Overall, the program was very good. It was easy to get started, and when I did have questions I was able to reach out to get an answer. As we were only in the program a couple of years, you can see that it was helpful in getting rid of the card debt. I hope to never be in the situation again, but if it happens, I would reach out again.
Professional support and guidance when you need help reaching financial freedom. It was a pleasure working with Tammy. Thank you!
The level of friendly professionalism was off the charts. Joyce quickly got my issue resolved. Austin followed with a personal touch that was authentic and heartfelt. They clearly love the job they do and they do it phenomenally!
My experience with Jeff was super. He explained everything about the company and how I could become debt free in a few years. He assisted in lifting a huge burden off my shoulders. I am very grateful for his professionalism and expertise. Thanks Jeff.
I'm very satisfied with your service. You have kept your word completely. I have friends that are waiting to see how I make out with this agreement. If so they will give you a call. I have about 18 more months to go. Hope all goes well so far so good. You have been very polite and very professional. Thank You!
The entire 4 yr process of working with Tammy was Exceptional and professional .I would no doubt recommend this program to any one Thankyou Tammy GOD Bless
Mohammad and Austin and others I spoke with at this fake company are aggressive and rude and shiesty. Mohammad kept ranting on my phone while he listen to my music since he wouldn't hang up and kept calling me back to back, a real creepy person then he called me poor person when his job is begging people to help repair their credit then overcharging the very same credit cards they are suppose to be helping with and truth be told I make way more then him he work for non profit, I'm a civil service employee
Total scam. Took $29 a month for three years when they did NOTHING! I was referred to another agency and ended services with this organization. They continued to bank draft $29 a month. They told me they were helping me by giving me a website with places that give a discount. I strongly urge you not to use. ZERO stars!!
USEFS guided me in paying off 4 high interest, high balance, credit cards. I just paid my last payment and I feel like a weight has been lifted! I never would have been disciplined enough to do this without the help of USEFS. I'm better prepared to handle my finances and I have more income now that I have freed up those payments. Thank you so much!
Giving me choices of which way to go was good, especially as I did not want Bankruptcy, and I wanted to pay my cards off, but the Interest rates were too high.........the grand totals creep up very fast!!! I met a very special person today...Ryan.....a pleasant person who is making the world a better place for many, and he didn't make me feel terrible for getting into such a mess, thank you so much Ryan!!
Emeldo was patient,efficient and encouraging and explained about the materials he would send me to read to help me with finances. Thank you so much for the helpful information.
Started out with a few hiccups in the very beginning, nothing major just trying to connect and since they added the text and email notifications things improved considerably. The ladies I talked to on the phone were always pleasant and easy to work with
Using usef has helped greatly with staying on course with repayment of debt. Working with Tammy has been a great help in achieving my goal. Many thanks. Jim kubick
Thank you so much to Joshua Newman and Michael for helping me at the worst time of my life. I am so grateful for all your help!!!!!! You both have save my life from so much financial crisis. Every month I was in so much stress and worry. God bless you and you company for helping me and so many others in time of crisis. Again, thank you so much!!!!!!
I wanted to give Violetta Rosales a great great thank you for helping me during this time. Program about completed. I wouldn't have been able to do it without you! Thank all of you and give this girl a raise.
"Austin has been incredible to work with from the very beginning. He?s knowledgeable and extremely helpful in every aspect that I?ve come up against, and he quickly responds when I need assistance. You guys have excellent customer service! I have only good things to say about my experience with this process and with Austin!"
I?ve been in this program for almost 3 years and for the most part, it?s been a pretty good process. It?s important to stay on top of the program to make sure that you?re getting the most out of the services that you?re paying for.
At a time when my credit card debt was going to take me years to pay off, when being available to my family for common expenses seemed impossible, and when moving forward with a small business I had invest in was in jeopardy, USEF trained me to think in a new way, to limit spending, and to confidently make wise choices. I learned I could change my financial direction.
In general, my experience was not wonderful. However, after many frustrations, disappointments and deceptions, Violetta Rosales stepped in and solved the problems. She is an excellent representative for her company!
Level is a good program. My Coach, Melina is a nice, upbeat knowledgeable Coach and I like her very much!
This company was joining forces with the Renda law office I?m lucky to caught their scam before they implicated it on my grandmother Trying to say they?re consolidating her debt but basically trying to charge her 80+ percent of that debt they were supposedly going to relief This company seems to have predatorial tactics to get elderly victims don?t be duped into believing things they tell you do your own research New update even though they were told not to contact us they continue to try calling under Oth
" Dave you were a great help to me. You spoke to me so that I understand. You were very friendly and I am excited to get started at getting this debr under control. I will be forever grateful for your assistance. Thank you. Karen Emery. "
"My experience with this company so far has been incredible. It is really great that there are businesses that help people out the way USEFS Inc does. Tyrah Dakan is an excellent person with an awesome personality and a caring heart. Tyrah has helped me in many ways, she portrays great customer service and is willing to help me in many ways.
Very good to work with so far, all questions answered and I am confident I have made the right decision. Austin was great to work with and made sure I understood all aspects of the service
I love USEFS!! They are extremely helpful and great people to work with! They're caring, and knowledgeable! Thank you Ines! You're great!!
I was very impressed with the consistency that Tammy upheld. She was always spot on for times and dates. Very easy to work with.
I was buried in debt after leaving my husband and a failing business. The educational financial information prepared me to avoid future pitfalls. Thanks!
An amazing service. I hope I never have to use it again. But I will recommend it to my friends that are having debt issues. Thank you so much.
USEFS was great, they were very helpful if I had any questions and now I'm debt free!
Special shout out to Violet... her compassion and energy kept me focused and grounded. Thank you Fidel Bernal
Christine Davis was amazing, very aware of my needs and how to resolve all the issues, she is amazing.
Just wanted to say Thank you for making this program for me to understand and for me feel like I could get myself out of this mess I. got myself into so I can take care of my grandchildren. Thank You.
Very helpful. I felt that if I had questions, Violetta Rosalea was always there to help me. Very professional. Thank you
Great help as I work to better my financial situation
Bonnie very helpful. Enjoyed talking to her.
So compassionate and friendly. Great company
Thank you for sharing these tips. Greatly appreciate it.
it is good to have someone experienced to call for help
If you are having financial difficulties these are the people to call. They have a variety of programs you might qualify for. Check it out.
Very supportive and friendly service. Thanks!
Was great, and fever free thanks.
They are great and very helpful!!
Wonderful experience !
(Translated by Google) Excellent (Original) Excelente
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.