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Palma Financial Services, Inc.

Palma Financial Services, Inc.

Reviews Summary

The reviews show a strong polarization, with most praising exceptional service, professionalism, and tax expertise, particularly highlighting personalized care and financial results. However, several complaints cite aggressive email spam tactics and alleged dishonesty, including audit failures and review manipulation. The positive consensus emphasizes trustworthiness and team warmth, while negative feedback warns of unprofessional communication practices and potential misconduct. High ratings dominate, but recurring criticisms about ethics and spam create notable distrust among detractors.

About This Listing

Bookkeeping
Accounting
Business Consulting
Financial Statements
CFO Services
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Virtual CFO
Small Businesses
High-net-worth Individuals
Individual Taxpayers
Real Estate
Multi-state Experience
Remote Services
Bilingual Services
Years of Practice
CPA License

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

Bookkeeping
Accounting
Business Consulting
Financial Statements
CFO Services
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory
Virtual CFO
Small Businesses
High-net-worth Individuals
Individual Taxpayers
Real Estate
Multi-state Experience
Remote Services
Bilingual Services
Years of Practice
CPA License

Contact Information

Address

111 Deerwood Rd STE 200

San Ramon, California 94583

Visit Website Call Now Get Directions

Hours

Sunday Closed
Monday 9AM-6PM
Tuesday 9AM-6PM
Wednesday 9AM-6PM
Thursday 9AM-6PM
Friday 9AM-6PM
Saturday Closed

Customer Reviews

I have been working with Miguel, Pedro, and Jasmine at Palma Financial Services for the past year to get my taxes caught up. I was in a difficult spot being three years behind on filing, but this team stepped up to tackle the job. Miguel led the way as my CPA, but it was Pedro and Jasmine who really rolled up their sleeves to get me organized and file everything. They took the time to understand my full financial situation and recommend the best strategies. Pedro and Jasmine were so knowledgeable - they an

A polished, polite and professional organized team. I was thankful they took me on as a client when most firms were at capacity. I purchased their tax planning service. They delivered on their promise to routinely meet with our business to strategize and plan and were prompt in responding to our needs through the year. They also prepared my state and federal taxes, and I received a tax refund! Working with their firm did pay off. I couldn?t remember the last time I got a refund! I always owed something when

First and foremost, I want to extend my greatest appreciation to Miguel. As tax season was approaching, I was very concerned that I would be owing money this year. Miguel's hard work and expertise was able get me a return! He is amazing at what he does and without a doubt has satisfied another customer. At first I was preparing myself to hear the worse news, but was surprised and very happy with what the outcome was. I will definitely continue to use Miguel's services and recommend him to all my friends.

Palma Financial has exceeded our expectations. We recently on-boarded with Miguel and his team because we needed a reliable CPA and Bookkeeper and we're so happy we made this decision. They truly care about us, get the job done and we feel good knowing we have a team of professionals to count on.

I have known Miguel Palma and his firm personally and professionally for 12 years. In those years he has guided our real estate and financial, and tax adventures with expertise. He has a personalized passion for helping people. I'd highly recommend him and his team. Thank you Miguel!

Very professional and knowledgeable! Miguel has helped our small business grow through smart decisions and planning! Looking forward to 2021 and growing our business even more. A huge Thank You to the team at Palma Financial!

Miguel Palma is a thorough financial expert with decades of experience in working for businesses, business owners, and individuals. His tax work and college planning advisory services are excellent, and he delivers his services professionally and with integrity. Highly recommend!

My business partner and I came to Miguel at Palma Financial Services, Inc when we we starting our business. He gave us invaluable tax planning, business planning, and some thoughts on setting up defined benefit plans for retirement planning. Thanks again Miguel and the staff. He is the one stop shop for all your financial needs. Don't hesitate, call him with any question you have.

Miguel Palma and his team were very professional and resourceful. They help my company saving hundreds of dollars in unnecessary tax liability. We will keep working with PFS for years to come.

I am a small remodel incorporated business and Mr. Palma has help me take care of all my accounting needs . Being a one man show i found it difficult working in the field and keeping my accounting and books organized . When I met Mr . Palma , off the bat he inspired confidence and knowledge and he knew exactly what to do to help me with my accounting needs and properly filing my business and personal taxes. Mr. Palma has made it easier for me and my business . I highly recommend him

We met Miguel Palma at a big event where he talked to a large group of Realtors and Loan officers. He gave us advise how to improve our tax filing as professionals. He stated he never lost an IRS audit. We got audited by the IRS. We double checked with another CPA and were told that our taxes where done incorrectly. Miguel never showed up at the IRS audit to represent us. That is how he claims he's never lost an audit. We had to pay a huge tax bill. Took us years to recover. Get a second opinion is my reco

Relentless e-mail spammers. I have no affiliation with this company, yet I received numerous e-mails from "Miguel from Palma Financial Services" (verbatim of FROM field) containing slimy marketing solicitiations. Avoid this company!

this company is a scam. They sent batch emails everyday and if you block them they change their email address and send another email with lots of long and suspicious links and attachments. A friend of mine had received same emails from them and had clicked on the link and a few days after that he received bunch of other emails and his inbox became full of scam emails. I also saw some reviews on google that a lot of people have mentioned that they are scam. Do not trust them.

Miguel and his team are fantastic!!! I?m extremely picky on who handles my personal finances/taxes and I am so grateful to have found such an amazing team. I highly recommend!!

Must pay to get his bad reviews removed. He is so shady and does so bad on taxes I was audited by the State of California and the IRS. I wrote a long review back in 2016, but now its gone, look back at all his old reviews they are all 5 stars, not one is a 4,3,2 or 1. That proves how shady he is! He promised to save me money on my taxes and swindled me into getting a pension plan, probably for his commission, which was a bad idea since I had a 70 yr old employee and I had to cancel it later. I also was

Miguel is wonderful to work with! He is knowledgeable, efficient, and communicative, and we always feel like we?re in good hands. -Ezra Fox and Sarah Jebrock

I have never heard of this man before, but I just checked my spam folder on an email that I exclusively use for LinkedIn notifications and give to no one else. I have FIVE messages from him and ONLY him going back to December 29. It's January 9th now. The unsubscribe button does not work because there is an error in the email address. That's illegal matey.

Not sure who this company is, but they've started SPAMing my work email address. I get 1-2 emails from them a day. I've never every done anything with them, nor have I given them permission to contact me. I would be leery of a company that has to resort to SPAM in order to drum up business. Beware.

Palma Financial is the kind of family operated business that people really appreciate in these days of souless corporations. Proof that being professional doesnt mean a CPA firm can't be warm and friendly. I dont think I've ever looked forward to meeting with CPA's before!

These guys spam email. I've called and actually set up a "meeting" to get taken off their distribution list. Still get at least 5 emails a week. Would never use them for anything if they can't honor my request to get out of my inbox.

A great place to learn about college planning, Miguel provides excellent service. I highly recommend Palma Financial Services!

Love to work with Miguel. Professional and knowledgeable. Teams are friendly and cooperative.

It?s my first time at his office and they received me as family and that?s important.Everyone was great and friendly and I recommend it for all my friends ??

Professional and a deep bench of expertise. They cover all the needs of individuals and businesses. A great experience in every respect.

Miguel Palma is extremely knowledgable in his field and has always provided excellent service.

What a great group of professionals. They will work your case, keeping you informed the entire time with amazing results.

Professional and knowledgeable company. The staff makes you feel like family. Highly recommended.

He was knowledgeable and really took his time explaining and answering my questions

Miguel is devoted to the financial well being of his clients...

If you want a dishonest and retched service team and CPA working with you, you got him right here! Beware

Palma Financial leads in customer service and the client is always first!

He is very professional and knows his stuff

The Palma do a great job Financial Services

Best CPA... Highly recommend

Very Professional and honest explanation.

(Translated by Google) The office of Mr. Miguel Palma and his staff is a reliable place to come to present any type of problem, whether financial or tax. Their knowledge and experience in the matter guarantee you a prompt and effective solution. (Original) La oficina del se?or Miguel Palma y su personal , es un lugar confiable para llegar a presentar cualquier tipo de problema ya sea financiero o de impuestos. Sus conocimientos y experiencia en la materia te garantizan una soluci?n pronta y efectiva.

(Translated by Google) "I had an international financial question and no one had been able to solve it for me and in a week Palma Financial Services solved it for me. Really very efficient and very professional!" (Original) "Ten?a una pregunta financiera internacional y nadie me hab?a podido resolver y en una semana Palma Financial Services me resolvi?. Realmente muy eficientes y muy profesionales!"

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.