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USA Financial Consultants

USA Financial Consultants

Reviews Summary

The reviews overwhelmingly praise the team's professionalism, expertise, and exceptional customer service. Many highlight their responsiveness, patience in answering questions, and ability to simplify complex processes like home buying or refinancing. Multiple reviewers appreciate the personalized attention, multilingual support, and feeling of being treated like family. The team is consistently described as knowledgeable, trustworthy, and going above expectations to achieve clients' goals. While most feedback is extremely positive, one critical review mentions lack of attention to detail for first-time buyers. Overall, they are highly recommended for their dedication, efficiency, and making challenging transactions seamless.

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

4545 Murphy Canyon Rd #209

San Diego, California 92123

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

James and his Team are amazing people, not only did they just help me with the process on getting/ closing out on a home but their service is what makes me recommend them, they answered my questions and helped me all the way to the end and even passed that. They cooperatively worked with you to figure out whats best for you and had a legitimate answers. Totally recommend them and they do speak Spanish for any Spanish speakers. Awesome team, as much they hoped the best for me and wife, I hope the best for th

I have no words to describe how blessed I am to have been at the hands of USA Financial, James Darby and his team of professionals hold my hand through a really hard refinance. Almost an imposible loan. They were my only hope. They fought tooth and nail until the very last minute. They are relentless and will make you feel cared for. Thank you guys for the impecable service. I strongly recommend USA Financial if you are looking for not just a loan, refinance; but also real state. They will treat you like f

James Darby and his team are amazing to work with. I have personally Reffered him several of my clients to buy a home and I hear nothing but great things about their experience. I personally recommend James and his team at Usafc. He is very knowledgeable and professional.

I want to start off by saying thank you to James and Maria for their professionalism, for being kind, knowledgeable and for always answering our phone calls and I feel like they care about their costumer. I highly recommend them for anyone out there looking to either purchase a home or refinance. USA Financial Consultants team make the process very simple and quick. Can't thank them enough!

I highly recommend USA Financial Consultants. All staff is professional, courteous and helpful. James Darby went out of his way to ensure our experience in buying a home was seamless. We were always given several options for any obstacles that may have come our way. Their kind and caring attitude towards myself and husband made me feel like family. Pleasantly surprised when a company gives 110% in order to give their clients the best experience possible.

100% recommended ! James and his team are very professional and helpful . the whole team is amazing !! they take their time to answer all the questions you may have. i will definitely recommend USA financial consultants to anyone that is looking to refinance or buy a home ! Thank you James and team

James and his team were great to work with and made the loan refi process painless. I don't think I ever waited more than a minute for them to respond to my questions. I would recommend James and his team to anyone considering a mortgage refinance.

Very Happy!! They were able to find a bank that will give us credit to buy a house when others couldn't. Not too much talking, straight to point easy to understand when you are a first time buyer. They also help us to sell the house with the highest price, very satisfied.

I want to start off by saying thank you to Jaime and Maria for their professionalism, for being kind, knowledgeable and for always answering our phone calls and making us feel like they care about us. I highly recommend them for anyone out there looking to either purchase a home or refinance. They make the process very simple and quick. Cant thank them enough!

These guys are the experts for your new home purchase or refinance. They were able to provide plenty of options and are experts with the process. They make the home buying process quick and painless!

I had a excellent service. They sell my home very fast and are very professional ,honesty and kind.I recommend this company 100%.

Wonderful team to work with. I highly recommend. Thank you James, Benjamin and Craig.

No attention to detail by any means, would deff not recommend as a first time buyer

Amazing company Honest people and super helpful

(Translated by Google) Excellent service. James Darby trusted us from the start, and everything agreed upon was fulfilled. I recommend him based on his years of experience, and his team made the refinancing process effortless. (Original) Muy gran servicio, James Darby desde un inicio nos brindo la confianza y se cumplio todo lo acordado. Lo recomiendo por todos los a?os de experiencia., y su equipo de trabajo hizo que el proceso de refinanciamiento no sea nada complicado.

(Translated by Google) Thank you to the USA financial team for making my family's dream come true, to be able to buy our house. (Original) Gracias al equipo de USA financial por hacer realidad el sue?o de mi familia , poder comprar nuestras casa.

(Translated by Google) Thank you very much James for your services. I am grateful for the purchase of my property (Original) Muchas Gracias James por tus servicios. Estoy agaradecido por la compra de mi propiedad

(Translated by Google) The safest and helps you achieve your goals Thank you USA FINANCIAL ?? (Original) Los m?s seguros y ayudas a lograr tus metas Gracias USA FINANCIAL ??

(Translated by Google) First class people, eager to help you. (Original) Gente de primera, atenta a ayudarte.

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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