Had an informal consultation of family tax planning question. Very professional, patient and kind…read more He told me every details he knows and honestly.

Not sure why Kyle doesn't have any reviews on Yelp. Was initially hesitant to go with him, but…read morechecked him out on Google and people had some good things to say. Anyhow, called Kyle about what my best options would be to handle some Business debt I've incurred and he was super helpful in getting me the information I needed to make a more informed decision. There was no upsell, just advice and I appreciated that a ton and found it super refreshing. Anyhow, thanks again Kyle!

Requested a free consultation, and Tony was very helpful and honest during our online meeting…read more It's hard to find companies with knowledgeable individuals who can provide valuable opinion as many are like robots so it's refreshing to have someone understand your needs and try to give you their best advice. Hope to work with Tony at Crosdroads Planning for our future tax planning needs.

TL;DR: Worked with Garrett Jones at Crossroads Financial Planning for tax prep. Misquoted our taxes…read moreby nearly $4,000. Poor customer service -- impolite and dismissive. Once paid, they offered little further assistance. Significant miscommunication between staff members on essential elements of our filing. Longer version: We hired a tax preparation service to help navigate changes to our filing status after getting married. Our tax consultant, Garrett Jones, began working on our application with the wrong filing status. After correcting this error, there was poor communication regarding important changes that needed to be followed up on, which resulted in IRS notices arriving in June. When I raised my concerns with Garrett, his guidance was vague and he offered no clear timeline for resolution. Weeks later, with no progress made, I was left with the impression that once he had been paid, his investment in us as clients had ended. I spent approximately 10 hours on the phone with the IRS trying to sort out the status of our account. Throughout this process, Garrett maintained that I owed approximately $2,000 to the IRS -- when in fact I had a pending refund of approximately $2,000. In the end, we were left with a significant miscalculation, poor customer service, and no choice but to resolve everything ourselves. I'm still unclear what the fee we paid to Crossroads Financial Planning actually covered. Highly recommend taking your taxes elsewhere.

my name is Chris Bane I have an entire hour meeting with these people after I was referred by Seth…read morefrom Bank of America in Huntington Beach anyways, these people wasted my time I had lots of money to invest they never sent back a proposal and basically wasted one hour of my time they actually suck Charles Schwab is way better or Fidelity. Merrill Lynch said that they only check the portfolio quarterly. In addition they do not contact their customers to give them shallow promises, and do not follow through.

The brokers work on commision and have a conflict of interest with the clients best interest …read more How can they claim to be fiduciaries ?

Wow, Bradey is a financial wizard AND she has personality. I always thought financial advisors were…read morestuffy and boring. I've never had more fun putting together a great plan for my future. Also, there are so many technical ways you can optimize your finances and I am so happy I don't have to think about keeping up with all the changes anymore. Bradey and her team are phenomenal and she is my advisor for life.

Bradey is the best financial planner I have ever worked with. She is literally a wealth of…read moreinformation and dates about her clients, making sure they feel educated and have complete transparency. She also has access to life insurance, college accounts, and more depending on your needs. You'll get quality care with Bradey.

My husband and I joined Mercer Advisors in 1989, our youngest child was five and he's 40 now! We…read morejoined Mercer when they had one office in Santa Barbara! Was honored to meet Rick Mercer on our first visit. We lived in Seattle and traveled to meet with our advisors. BY FAR THE BEST FINANCIAL DECISION WE EVER MADE. My husband and I always felt very secure with the plan they laid out for us. Well, I m now widowed and Mercer Advisors continue to advise and support me. Because we worked The Plan over all those years, I am very financially secure. Shout out to Josh Gustafson, Josh DeForest and Frances Smith! Thank you!

This is not 5 Stars lightly given. I've been a Mercer client for close to 25 years, so I can speak…read morewith some authority. Every aspect of my life has been improved by my relationship, first with Rick Mercer and then with the entire Mercer team. If not for their diligence, skill and investment philosophy I would undoubtedly still be bent over the dental chair. I work now with Chuck Breuch at the Boulder Branch and although, because I'm retired, I am "small potatoes " in terms of income, I still receive the finest of service. If love and investments can be used in the same phrase, they apply to Mercer Advisors and me.

**Pacific Life Insurance Review: A Masterclass in Corporate Arrogance and Unprofessionalism**…read more As a law enforcement officer with over two decades of service, I've developed a finely tuned sense for when someone--or some *entity*--is overreaching and abusing authority. I recently began exploring supplemental life insurance options beyond my agency's underwhelming offerings. On Tuesday, July 14th, after inquiring through Zander Insurance, a Pacific Life agent contacted me. What followed was not a professional consultation but a textbook example of why this company deserves every bit of skepticism it receives. I have zero hesitation providing a complete medical history from birth to my current age of 41. Transparency in underwriting is reasonable. What is *not* reasonable--and what I find profoundly insulting--is the company's demand for exhaustive financial disclosure: bank statements, home details, full financial history, driving records, and essentially every scrap of personal data short of my DNA profile. Pacific Life apparently believes that because they are a "big player," customers should simply surrender their entire lives for inspection, waiving privacy rights so their bureaucrats can paw through documents like probation officers with a search warrant. Let me be perfectly clear, as only a law enforcement professional can: There is a categorical difference between providing sensitive information to legitimate governmental authority under strict legal protocols and handing it over to a profit-driven insurance company on a fishing expedition. The condescension dripping from their process is staggering. They offered no coherent explanation for why my full financial life needed to be exposed beyond vague mutterings about "underwriting rules." A basic credit check to flag bankruptcies or fraud risks? Understandable. Demanding my entire financial portfolio like I'm applying for a classified clearance? That's not due diligence; that's entitlement wrapped in corporate jargon. Other reputable providers I spoke with had no such invasive requirements. Yet Pacific Life couldn't even articulate a legitimate purpose. Instead, they simply expected compliance. How delightfully arrogant. No wonder this company maintains its supposedly "high ratings"--those metrics likely reflect balance-sheet stability built on collecting premiums from people who don't push back, not on customer respect or service quality. The agent interaction itself was a farce. Repeated requests to spell my address, restate my employment details, and clarify basic information--multiple times--while children played audibly in the background. If you're going to cold-call potential clients, at minimum secure a quiet professional environment. Asking a customer to repeat themselves three or four times because you can't hear over the chaos is not only unprofessional; it's disrespectful of the client's time and intelligence. I was in a controlled, quiet setting. The least one might expect is reciprocity. In short, Pacific Life exemplifies everything wrong with certain corners of the insurance industry: invasive overreach masquerading as standard procedure, paired with sloppy execution. I terminated the conversation immediately and will never consider them again. Law enforcement professionals--and anyone who values their privacy and dignity--would do well to look elsewhere. There are better options that treat customers as partners rather than suspects whose lives must be laid bare for corporate convenience. **Strongly recommend avoiding. Zero stars.**

Seniors be WARNED…read more Pacific Life Annuities are a nightmare for Beneficiaries After my mother passed away, it took seven months to receive funds from her Pacific Life annuity. The delay was exhausting and completely unnecessary. Pacific Life incorrectly classified the annuity as a lump-sum payout due to their own error, which now forces me to pay capital gains taxes that should not apply. Despite acknowledging the mistake, they refused to correct or recategorize it. The gains on the annuity were not material, yet Pacific Life showed zero urgency or flexibility. Communication was slow, confusing, and felt deliberately obstructive. Once the policyholder passed away, it became very clear that Pacific Life is optimized to sell annuities to seniors--not to efficiently pay beneficiaries. If you are a senior considering a Pacific Life annuity, be warned: your children or beneficiaries may have a very hard time accessing their money. If you are a beneficiary, be prepared for delays and rigid bureaucracy during an already difficult time. I would strongly caution anyone considering Pacific Life for retirement or annuity products.

It seems that the reviews for this branch are either all in or all out, so I will do my best to…read morejustify my all in rating. I opened a $2,000 IRA with Schwab 25 years ago as a passive way to invest in the stock market. Initially, I mainly used the phone service to help me learn about the market and terms/procedures on investing. Over time and with some luck (thank you Costco), my funds increased. As I approach retirement, I wanted to get more in depth assistance with my investing. I've been blessed to have a couple of 401k plans with past employers and both of my parents left me a modest amount of inheritance, so I need help with a strategy and also Roth conversions. I had multiple meetings with three companies (and called a couple others), and Schwab proved to be the best choice for me. The level of service all depends on what you want. With simple, no minimum, no fee service you have access to people in this office and their 24 hour line. Once you hit a reasonable threshold, you add a Financial Consultant at no charge. And finally, if you wish to have them to manage your portfolio, for a percentage fee you can add a Wealth Advisor. I am not charged any commission fees. They are key in helping me with all financial matters including tax strategies, partnered referrals for supplemental insurance and trust creation. Compared to other financial management companies, Schwab offers various options that charge a fee either equal to or less than all others I vetted. They do not charge a fee for cash/cash equivalent investments and have options such as bonds management that are lower than all those I interviewed or made calls to get fee information. The personal service I receive has been far and away above all others. They listen to me at our meetings and I have as much input on my investments as I want. It truly feels like a team effort. Thankful for Schwab and my team (Brian - Investment Consultant, Scott - Financial Consultant and Jonathan - Wealth Advisor).

One month ago, I was misinformed by their banking division for fraud incident and was recommended…read moreto freeze the account. I was later informed that it wasn't a fraud but merely a misplacement of deposits to my other bank. 1. The fraud was misinformed to me by Victoria at their banking division. Due to her misleading statements of that someone cashed my check at 53rd bank at New York, under fear, I was induced to make the decision to freeze the account. 2. No one at their banking division called me to report to me what's going on. My fear index was at all time high when I was out of town and have limited resources to find out what's going on. 3. I've made a lot of phone calls and later found out that it was just a misplaced deposit into my other bank. I've informed them and Charles Schwab had known that it was just a check misplacement but failed to lift the restriction and wrote off the investigation. In summary, this bank mislead, misrepresented data and induced client to make wrong decision. The customer service at brokerage firm was unable to coordinate with their fraud investigation for correct data. Finally, they used this misleading tactic to freeze my bank account since last year. I've made so many phone calls and some of my payments to credit card company got returned unpaid because they placed the restriction on my banking account by knowing that there's no fraud. I have called customer service so many times requesting to lift the restriction and to transfer my money back to the brokerage account. As of today, there's no transfer and the restriction is still placed there. This is my question to your management team at Charles Schwab - How long are you planning on having this kind of financial abuse to senior citizen?

Mike is extremely prompt in response time and professional. He listened well to assess my current…read moresituation and gave me financial insight and honest feedback. He is friendly, easy to talk to and wants to set you up for success. I would highly recommend working with Mike to help serve your financial needs!

My wife introduced me to Mike back when we just started dating. She spoke so highly of how…read morepersonable and hard working he was for the small portfolio she had at the time. Since then we have grown our accounts and Mike continues to deliver. He answers the phone after first ring and is thorough and detailed in his communications and explanations. We now have family members that have moved their savings to Legacy & Wealth, and they are also very happy with the results.

I have known Wade Slome for about 5 years and have found his teams insights, guidance and advice to…read morebe incredibly helpful. They have an excellent grasp of the market and investment opportunities and are able to match that readily to your own requirements, making a complex discussion more straightforward and easy to follow. I have experienced great results following their advice which is ultimately the acid test. Your investment advisor needs to be someone your trust and have confidence in and they have always delivered against my expectations.

I enjoyed working with Wade and appreciated his deep level of expertise. Not many advisers have…read moremanaged billions of dollars with an Ivy League education and the highly regarded credentials of CFA & CFP. I encourage others to give wade a call, if you desire assistance with your investment and/or financial planning needs.

I spoke to Daniel regarding tax questions I had and even though at this point I didn't need his…read moreassistance as far as financial planning, Daniel was more than accommodating and gave me very pertinent answers to my questions. I want to mention again that I was not even talking about his field of expertise. Daniel even called me back about a question I posed about state taxes. Apparently he looked it up and updated me. His overall demeanor was so pleasing and his attitude was just superb. I know when the time comes to employ a financial advisor I will be contacting Daniel! Thanks Daniel!

I was very impressed with my free evaluation consultation session with Daniel…read more I have always been hesitant with financial advisers because I've experienced a few of them who are "pushy" and are always trying to upsell. Furthermore I was a little concerned that this eval would turn into a "buy a full financial plan from me" type of thing. This was not the case with Daniel at all. He asked a lot of great questions, he took a lot of notes and gave me a great idea of where I'm at in my financial planning adventure. For me, I've done a lot myself and he was great to bounce ideas of things that I have been thinking or what I can do better. We both agreed that it probably wasn't time for me to dive all in to a full financial plan due to where I am at in my life and what I have been doing on my own. He was forthcoming in that he doesn't think that, at this moment, he would add significant amount more value to what I have already done on my own. He recommended that he can be available to bounce ideas off of in an hourly fashion. To me this is huge. I was half-expecting to not get any ideas/thoughts without signing up for a full financial plan. That Daniel walked through all my finances and gave me great ideas and recommendations. Then for him to say that I probably don't need him 100% of the time shows that he tries to understand his clients first rather than try to just take money from them. Greatly impressed and I will definitely be coming to him for advice and when my life changes where I would need his full services, will be coming to him again.