Summary
Start with referrals, check credentials, ask about experience with your financial situation, set clear expectations, and prioritize communication. A goodfinancial advisorshould feel like a trusted partner, not a reactive fixer.
Finding a Personal Accountant
Looking for a personal CPA that actually returns calls and meets deadlines? You’re not alone. ManyRedditusers report being ghosted by highly recommended professionals or stuck with slow service. Here’s a strategic guide to finding one who truly delivers.
(Inspired by Reddit threads likethis oneon how to vet a personal accountant.)
1. Start with Trusted Referrals
Begin with friends, family, colleagues, and financial advisors who have similar needs. Online tools like LinkedIn and professional directories likeSam's Listhelp you vet further.
2. Vet Credentials and Experience
Look for:
CPA or EAlicensing
Experience with situations like yours (for example, small business, real estate, equity comp)
Responsiveness and clarity about pricing and services
3. Ask Smart Interview Questions
What is your turnaround time?
Do you serve clients with my income or situation?
How do you charge?
What is your process for staying updated on tax changes?
A strong tax professional will be transparent and admit what they don’t know, then follow up.
4. Red Flags to Watch For
Avoid those who:
Are slow to respond or vague
Overpromise refunds without details
Can’t explain pricing or deliverables
Lack familiarity with your income type or industry
Checklist: Vetting a Personal Financial Advisor
| Step | What to Look For | Why It Matters |
|---|---|---|
| Ask for referrals | From friends and financial professionals | Trusted pros work with trusted pros |
| Verify credentials | CPA or EA, relevant experience | Avoids compliance issues |
| Assess communication | Timely replies, clear expectations | Critical for tax season peace of mind |
| Clarify pricing model | Hourly, flat, by-form | Prevents surprise billing |
| Look for transparency | Open about process and limits | Signals long-term reliability |
FAQs
Q: CPA or EA—what’s the difference?
A: CPAs tend to have broader training. EAs specialize in taxes. Choose based on your needs.
Q: How often should we check in with accountants?
A: At least once a year. Quarterly if you’re managing multiple income streams.
Q: Can I switch accountants easily?
A: Yes. Ask your current professional for copies of previous returns and documentation to make the transition smoother.
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Author: Kimi, Co-founder of Sam’s List
Kimi writes about what she's learning while building Sam’s List and shares honest takeaways from her conversations with CPAs and financial advisors across the country. None of this is financial advice—just the stuff most people wish someone told them sooner.
