Top Shelf Financial Services

Top Shelf Financial Services

Reviews Summary

Top Shelf Financial receives overwhelmingly positive reviews for its knowledgeable, patient, and professional staff. Customers appreciate the clear explanations, personalized financial guidance, and lack of pressure during consultations. Many highlight the team's ability to educate clients, offer tailored solutions, and create a welcoming environment. The company is praised for its community focus, affordability, and comprehensive services, making it a trusted choice for both beginners and advanced clients. A rare negative review mentions unprofessionalism, but the consensus emphasizes exceptional service and strong recommendations.

About This Listing

Tax Preparation
Tax Planning
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
Financial Advisory

Contact Information

Address

641 W Lancaster Blvd 2nd floor Suite 205

Lancaster, California 93534

Hours

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

Customer Reviews

I've had a fantastic experience with Top Shelf. From the very beginning, their team was knowledgeable, patient, and genuinely committed to helping me find the right coverage for my family?s needs. The application process was smooth and transparent, and all my questions were answered clearly. What I appreciate most is their responsiveness and ongoing support?it's reassuring to know that my loved ones are protected and that I can count on this company for dependable service. I highly recommend them to anyone

We recently had a sit-down with Lavow from Top Shelf Financial Services, and it was honestly one of the most helpful financial conversations we've had. He was super knowledgeable, but what really stood out was how personal and down-to-earth the whole experience felt. He took the time to understand our family?s needs and walked us through the best options without overwhelming us or making us feel pressured. It felt more like a real conversation than a sales pitch, which we really appreciated. We walked away

I had an excellent experience working with top shelf Financial. Carlton and his team were knowledgeable, responsive, and truly took the time to understand your financial goals. Whether it's life insurance, investment planning, or long-term wealth management, they provide clear guidance and tailored strategies. Highly recommend for anyone looking to take control of your financial future.

Carlton was great very informative. Got me exactly what I needed. I feel very confident about what I chose as far as investing my money and securing my life insurance policy. Great energy great people. I highly recommend his investment. Ad advisor was very informative as well.

I'm blown away & completely impressed by this organizations services. If you Donot already have your family and assets secured with term life & whole life insurance you need to book an appointment asap. Ask for Carlton!! I've know him in this community for over 20 years. Extremely knowledgeable individual- he will set you up right!! Tell him JoJo sent you and get yourself secure it's less than you think to have total peace of mind!! There is a reason this agency has been voted ?AV?s best !! Thanks again,

I recently had the pleasure of meeting Andrew from Top Shelf Financial at a quincea?era, and we set up an appointment to review my current financial portfolio. What I initially expected to be a quick meeting turned into a thorough and insightful financial and retirement review. The office provides a full range of services, ensuring a well-rounded approach to financial planning. During my visit, I also had the opportunity to meet with Devonte, who assisted me in exploring my current options. Their professio

I've had the best experience with Top Shelf Financial! From the moment I reached out, the staff made everything so easy-going and approachable. It genuinely feels like speaking to friends rather than strangers, and their professionalism and care really stand out. They take the time to understand your needs and offer solutions that make sense. I highly recommend them for anyone seeking financial guidance!

I had the chance to work with Andrew, and he was great. He took the time to explain my current policy clearly and showed me a better option that fit my needs and goals. Not only that, but he also saved me hundreds of dollars a month! I really appreciated how helpful and patient he was. Highly recommend!

Andrew was absolutely AMAZING! Was very knowledgeable about all the different types and depth of life insurance. He is definitely your guy!

They have excellent customer service. I felt very accommodated and welcomed. They are very knowledgeable and made everything easy to understand. The whole process was enjoyable and I'm very happy with the outcome.

I am grateful for Lavow he was very knowledgeable in his field. Highly recommend!! Thank you Sarina from Trevion law for referring

Andrew from Top Shelf Financial Services, was so nice, and knowledgeable. He took the time to explain to me the different routes I could take for my financial needs. Our meeting was definitely like a mini financial class that I needed. He was thoughtful, understanding and honest. I highly recommend Top Shelf Financial Services.

Carlton and the great team at Top shelf Financial were so fun to sit down with and from someone that does not know anything about the financial service industry, they made everything easy to understand and went above and beyond to make sure that me and my wife were taking care of in the best way possible.

Horrible place I don't know if they just choose to participate in some discrimination scheme but they certainly haven't help provide me or my family life insurance. They took my information and after that refused to assist with finding a insurer. Carlton told me I was denied of insurance with no valid proof. I tried to communicate but he basically used his personal life as an excuse as to why he hasn't responded to any of my text or calls. Very unprofessional and unethical. I suggest you call your own insu

Very knowledgeable and professional. I was pleasantly surprised that they were interested in educating me on finances rather than pushing a product or recruiting.

I had a great experience with Mr. Lavow as I met with him at Top Shelf to go over my options into getting a Life Insurance policy. Mr. Lavow was really professional and courteous and made me feel right at home into choosing which life insurance policy was the best for me and my family!

I had the wonderful pleasure of meeting Lavow at The Blvd Market on Thursday. We set up a virtual meeting to go over the amazing products available through the Top Shelf office. He was great at explaining the options available to me and helped me to find the best product for me. Thank you so much for your assistance and educating me on the right tools for my financial situation. I would recommend anyone to this business and the gentlemen that represent it! Thank you Top Shelf!

Top shelf financial services exceeded my expectations. Andrew Lavow provided a very, professional, comprehensive and informative analysis of available services. The staff was very friendly, the office space was aesthetically pleasing, and the consultation was timely and efficient.

I had a meeting with Carlton and Devonte at Top Shelf Financial yesterday. I was searching for a reliable option to manage my retirement savings. Carlton enlightened me about how his company offers comprehensive services. I realized that I should have consulted with them long ago. If you need financial advice, contact Top Shelf and ask for Carlton Clay.

Definitely got a lot of information that I did not know This company definitely made me see my future in a brighter light .

Definitely recommend Top Shelf Financial for guidance in meeting your financial goals for the long term. Devonte actively listens to understand your financial position and goals to provide various options in designing the right plan. He is very knowledgeable and has a keen ability to provide guidance and education using understandable terms. I am looking forward to working with Jazmine next to optimize my current 401k strategy and secure a comfortable future in retirement. Thank you Top Shelf!!

Highly recommended!! I didn't know much about life insurance or a financial portfolio. I didn't really trust just anyone as well to do my life insurance. Devonte was very professional and was able to explain throughly about any questions or concerns I had. He didn't pressure anything and gave me a few options as well to choose what works well for me. We were able to come up with a life insurance that fits for me. We also came up with a plan on the next steps to work on so it didn't feel over whelming. Jaz w

I love working with Top Shelf Financial being that I'm a beginner in finances. Not only do they take the time to educate their clients in what they should be doing, they also guide them in what they want to do for the benefit of their financial future. I definitely recommend them to beginner and advanced financial experts.

Great experience! Quick and easy. Andrew was knowledgeable and got me exactly what I was looking for. I will be referring my friends and family.

Absolutely the most knowledgeable and trust worthy financial professionals. Devonte came into our family?s life many many years ago and he's gone above and beyond from day 1. After losing my husband he took care of filing claims and insuring me and my boys didn't have to stress over finances during the most difficult of times. He continues to be my financial advisor and a dear friend.

My husband and I realized the importance of life insurance when a family friend suffered a tragedy and their sister passed away leaving three beautiful children under the age of 14. We understood the urgency in getting coverage in case the worst were to happen to our family. We want our children to be covered and Andrew at Top Shelf has provided an amazing experience to learn the differences in the policies and which types of coverage would serve our family best. We recommend you contact them to get your qu

A very competent team and versatile with their talent.I appreciate the education provided.They are just what any adult needs to be financially prepared and secure for their future!If I could,I'd give Them 20 stars.Thank You Mr.Andrew LaVow for taking care of my family?s financial needs

I had a meeting with Lavow over zoom. He was great explain everything n other options available for me help me find best life insurance for me.. he explained what life insurance is what comes with it depending on what I qualify for.. I'm just happy all over because I finally fought some life insurances for myself. Thank u for assistance and educating me the right tools. I would recommend anyone to this company. Thank you so much

I met Andrew at the Lancaster farmers market at the right time. I've been wanting to learn more about retirement plans and financial management following my divorce. Andrew has been consistent with communicating with me and flexible with my very busy schedule. I'm glad to be working with Top Financial.

I had a great, seamless experience working with Andrew Lavow! He made sure I was properly educated and set up with a plan that was custom to me. 10/10 recommend!

Lavow was a nice guy and took the time to explain everything properly. I got the product I was looking for and did not feel pressured to buy anything else. He offered me lots of options and I chose what was right for me.

Andrew Lavow is very knowledgeable and helpful. His goal is to help you understand your financial goals. You can ask questions, many many of the same questions and he's patient and wants you to understand exactly what you are purchasing and gives you peace of mind!

Great service. Very knowledgeable! Thanks Andrew for all your help.

I had the pleasure of experiencing exceptional service at a very clean office. The staff were polite, courteous, and extremely service-oriented, making my visit both comfortable and efficient. The cleanliness of the office added to the overall positive experience, creating a professional and welcoming environment.

Andrew Lavow knows his stuff. He explained clearly and patiently whenever I needed clarification. Looking forward to building a strong financial foundation for retirement.

Andrew Lavell was a major help in securing our financial future. Thank you

I am truly grateful for my first appointment. I feel educated enough to educate others. I am also confident in the services offered which were lower than previous quotes. The whole experience was refreshing and amazing.

Very insigtful and transparent about their services. Great customer service and super friendly. Would recommend the sit down with them.

Great service. Carlton was very knowledgeable and gave me great insight.

Extremely professional and super knowledgeable absolutely affordable and will definitely recommend thanks guys for an awesome experience!

I enjoy receiving the financial information! I wasn't fully aware of what to do with my retirement, but Top Shelf Financial showed me clearly on how to make sound retirement decisions, with my nearing retirement. Thanks DeVonte Thomas

Visited for a consultation for something and left with knowledge on many other options I have to take advantage of my future. 10/10 Would recommend. I'm sure everyone in the office is knowledgeable but I was serviced by Carlton Clay.

TopShelf Financial is more than just a well run business with highly professional staff, it's a pillar in the Antelope Valley community serving as a sponsor for organizations and recreational groups creating positive experiences for youth and families. And within the BLKNGLD Network of businesses and talented artists in the AV, TopShelf Financial epitomizes what it means to be BLKNGLD VERIFIED!! For these reasons and more, TopShelf Financial is the clear choice for TopsNexus LLC to refer its clients to for

Very knowledgeable personnel, including detailed information and friendly environment. Overall excellent service.

Lavow was very friendly! His knowledge was extensive! I am so glad I decided to talk with him!!

So far so good. Listens when I speak, very attentive, community focused. Time will tell regarding results. I will keep you posted.

Jazzmine and Devonte provided excellent financial advice when it came to planning final expenses and saving for college for my children. They were patient and answered all my questions. I learned a great deal in terms of my options. I would highly recommend them!!

Carlton was very helpful and great at explaining everything and made the process easier to get the services that I needed

All the staff and people took really good care of and were very knowledgeable and patient with all our questions and concerns

Andrew Lavow was very helpful and great to talk to about my financial needs.

Lavow is the best person to talk to about life insurance

I explained what I do and they explained what they do with simplicity and transparency. Thank you for your guidance.

Labor great company helps obtain exactly what fits financially in your life

Outstanding customer service in terms of empathetic patient?s, and overall communication.

Thank you for all the information. Great service.

Let me start by saying DeVonte and Justin are as professional as they come and down to earth they explained all sides of the different life insurance policies that are out there these guy?s are truly helpful in choosing what was right for me, Thank you TopShelf Financial

I had an amazing, informative and thoughtful experience this evening at Top Shelf Financial with Carlton. I had met him and Justin at the AV Alta game and came in looking to expand my knowledge on financial management and my future. Carlton broke down the many things needed to establish a great foundation for financial freedom and prosperity and I left with more knowledge and a sense of security knowing I'd be able to take control of my life and work with the many great faces here. Thanks a lot to Top Shelf

(Translated by Google) I want to thank Top Shelf for taking the time to drive over 75 miles (one way) to offer their excellent service, they made us feel like family, Thank you Top Shelf (Original) Quiero agradecer a Top Shelf por tomarse el tiempo de manejar m?s de 75 millas (un camino) para ofrecer su excelente servicio, nos hicieron sentir como en familia, Gracias Top Shelf

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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