Back to Directory
Ruth Maloney, Taxes & Investments

Ruth Maloney, Taxes & Investments

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

8300 Fair Oaks Blvd #406

Carmichael, California 95608

Visit Website Call Now Get Directions

Customer Reviews

They are the best, especially Marianne, who did my taxes this year. They are quick, efficient, friendly and knowledgeable. I will definitely go back to them

Ruth is a wonderful person and tax preparer!!!! I have been doing my taxes with Ruth for 25-30 years. Some years were much more complicated than others. Ruth has provided me guidance on investment properties and other business-related transactions.

I needed a new CPA due to the retirement of my previous CPA, so I did some searching on the internet and discovered Ruth Maloney, one of my best finds on the internet. I called on Thursday, they returned my call later in the day, made an appointment for Sat. When I went in for my Sat. appt. I found the staff to be extremely personable and informal. I met with the preparer that was to help prepare my taxes and found her to be very knowledgeable and friendly. I was done in about 1 hour and was extremely g

I saw Ruth for the first time last tax year 2019. She is a friendly professional woman that knows her stuff about taxes. I enjoyed sitting with her while she did my taxes on the spot. In fact, I just make an appointment to see her again so she can prepare my taxes for 2020.

As usual, Ruth's team was helpful and friendly! Their tax expetise is at the top. As a recently retired self employed contractor of 39 years, there is nothing they cannot handle!! I always leave her office knowing I got the best tax help available!

I have been going to Ruth for several years. She is very knowledgeable, friendly and helpful. Like the secured checklist she sends me each year, and the cookies are yummy.

I have been doing my taxes with Ruth now for 12 years. My now ex and I would go to her and she would also be a joy to work with. I love seeing Ruth every year... Thank you Ruth!

I have friends from work that have been going to Ruth for over 10 years. I started going several years ago and have always had a pleasant experience. She's quick and within an hour you know what you're getting back. Much better price than the CPA firm i was going to before.

Ruth and her team have been doing my taxes for many years. Despite all the changing complexities with taxes, they are always done timely and accurately. I love working with Ruth!

I used to work with Ruth and have known her for 20 years. She has been doing my taxes for those 20 years and I trust her to help me find all the deductions I'm entitled to. She knows her stuff.

Ruth has done my taxes for 3 years. She is helpful, knowledgeable, and makes the process easy.

I arrived and was greeted with the smell of freshly baked cookies. I received two cookies and sat down to get to work. Spent a good long time, but went over everything in detail. All my questions were answered plus extra. truly appreciate all you do I would definitely recommend their services on

Always pleasant to work with. Ruth and Marianne are sharp, fun and make taxes easy. as much as i hate the end result of the owed money, at least i get a cookie out of it ;)

Ruth has done my taxes for five years. I'm home bound and they provide me with delivery service. Did I mention the cookies? Thanks Ruth and Mary Ann

Ruth is an absolute delight! She is professional, knowledgeable and one of the kindest people I have the pleasure of working with. Thank you, Ruth.

Ruth is exceptional. Professional, qualified and committed. My entire Family uses her services. THANKS RUTH!!

Hi..Ruth is the Best ..!! Ive been going to her for the last 15 years and highly recommend her to all my family and friends..! If you want to take the high stress out of Tax time..leave your worries at the door and Go see Ruth..!!

Ruth has done my taxes for 30 years. She is the best and knows her stuff!

Have enjoyed being a client of Ruth Maloney taxes and investments for about 20 years, and recommend wholeheartedly.

Ruth is the best tax person I have ever had she is thorough and attention to detail

In case any one is reading our reviews, GOOGLE has the wrong address posted and wants 200.00 to correct it. So come on down to 8300 Fair Oaks Blvd #402A, were right up the street....

Ruth is the best! I will never go anywhere else. Highly recommended.

I highly recommend Ruth for any tax needs. Very friendly and professional office. Thanks Ruth!

Super friendly, smart and knowledgeable. Ruth is Great!

Always prompt and friendly service. Professional and sound advice.

Very helpful with our taxes, great listeners!

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.