Almega Group

It went very well. I had attended Mike Raitt's Retirement seminar in August which was very informative, and it spoke to my growing concerns about minimizing my taxes as I get closer to taking RMD's in a few years. He provided a comprehensive assessment in several one-on-one meetings concerning my investments, and my overall financial situation. I will be following the plan that he set out for me, and would not hesitate to use his services in the future.

Everything went great, prompt service and communication. They made the process go very smoothly with my new home purchase. I was able to lock in a great rate on top of everything. :-)

Excellent.....Responded immediately, follow-through, almost all processes completed via e-mail. We could not have asked for any better service. Staff very professional and swift at the same time. Highly recommend.

I was extremely happy in every aspect.

We have been loyal customers of Mike Raitt CPA since 2001. He has assisted our family with taxes, insurance, refinancing and investment planning. Personable, knowledgeable and trustworthy. We look forward to continuing our relationship into retirement. Thank you Mike & Associates

It went very well. Comprehensive and useful information.

Brandon & Meagan at Almega were rock stars in helping me with my mortgage. Transparent, responsive, & caring. When we ran into a problem with the lender in the 11th hour before closing, Brandon was relentless in getting the issue solved. Very happy!

Great. I refinanced through them 3 times and I had a wonderful experience every time.

TERRIBLY! - After submitting an inquiry through LendingTree.com, we were contacted my numerous lenders and brokers. We selected Almega Group after talking to 6+ lenders/brokers. The decision to use Almega was based on the information received by Blake Cooper. Blake discussed the value of using a broker vs a direct lender and committed to meeting my tight time line on closing a loan. We worked diligently to upload the volumes of documentation required by the lender. Our communication was prompt and through throughout this process. While in the end, we got the loan at the rate we wanted, it was a constant struggle. HERE IS WHAT WENT WRONG Shortly after signing papers, Blake Cooper became non-responsive to phone calls and e-mails. On numerous occaisions I found a "Back-Door" into the Almega office by dialing random extensions until i received an answer. One of the most shocking items was that the owner, Mike Raitt, would not respond to my messages. To this date, I have never spoken with him. One of our requirements surrounding this transaction was that we close on the loan prior to a vacation trip. Blake ensured me that this would not be a problem as long as we responded to their requests in a timely manner. While we were quick to fulfill Almega's requests, there were numerous delays caused by them that ultimately delayed closing and cost up more money. Here are a few to speak of - #1 - Appraisal delayed 8 days due to an oversight with Almega Group. After 3 days of trying to reach someone, we were finally able to get it scheduled. #2 - Confusion over documentation supplied added another 6+ days of delays and required significant effort to clarify. #3 - Final requirements to close loan were confusing and in-consistent with previous requirements. #4 - Funding was delayed as a result of closing delays and cost additional monies. Our last communication with the Almega Group was to schedule a closing date with the Title Company. That was over a week ago. Since then Almega has made no attempt to follow up with us to see how things went or to verify any levels of satisfaction on our part. While we ultimately received what we originally set out to get, it was not without severe struggle on our part. Communication is the single greatest downfall of this organization. Had we not had to beg for returned correspondence, we would have been able to close on the loan weeks earlier and saved a significant amount of time and expense.

It went as horribly as it could have gone. We were just trying to obtain some solid numbers regarding closing costs, as they kept creeping up and up and up. Read this email thread. It goes backwards in time. Nothing I say could possibly cast a darker shadow on this company than the following: RE: Conditions From:Mike Raitt View Contact To:[member name and email removed] Good Riddance! It truly will be a happy thanksgiving now that we don?t have to deal with you. Mike Raitt, CPAPresidentThe Almega Group of Companies2301 Ohio Drive, Ste 138Plano, TX 75093972-964-5100 x223972-964-5161 Corp fax972-692-8555 Private [email protected] ...?Quality of Life? financial solutions from beginning to end.FINANCIAL PLANNING ? INVESTMENTS ? INSURANCE ? ANNUITIES ? MORTGAGESCOLLEGE FUNDING ? FINANCIAL SEMINARS ? SMALL BUSINESS SOLUTIONSMike Raitt is a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through, WRP Investments, Inc., member FINRA & SIPC.Securities and advisory activities supervised from 4407 Belmont Ave., Youngstown, OH 44505, (330) 759-2023.The Almega Group of Companies is not a CPA firm and is not affiliated with WRP Investments, Inc . THIS WAS MIKE RAITTS' RESPONSE WHEN WE TOLD HIM THAT THE 'KISS MY A**' EMAIL WOULD BE COPIED AND PASTED ONTO ANGIE'S LIST: RE: From:Mike Raitt View Contact To:[member name and email removed] Whatever dude. Post away! Of course I?m sure you won?t post the jab you made at me regarding my payroll processing. You don?t have the courage to be completely honest. I?m sure you?ll only post my comments so that it can be taken out of context. My comments were in response to you attacking me personally. You were the one who brought it to a personal level and I can guarantee you won?t post that or any of the whining you?ve done throughout this whole dreadful process. If you?re going to post my comments, then why don?t post everything? Anything short of that would be cowardice. Come on [member name removed], be a man and post everything. Are you going to post all the requirements that the Lender made of you? Or are you just going to make it sound like my office was the one responsible for all your problems? The truth is; my office had nothing to do with all the requirements. We only relay what the lender wants. If you don?t give them what they want, they won?t close the loan. How is that our fault? It?s not of course but you?ll post the one comment I made and not give the full story. It?s coward. Anyway? it?s all good now because you?ve made the decision to stop this loan and that?s more than fine by me and of course my staff will be elated. You have been a gigantic drain emotionally on my office. You have wasted countless hours of our time that we could have been spending on other files that deserved our attention. The only mistake I made was not learning from the first time we tried to do your loan earlier this year. Meagan warned me about your whining the last time but I didn?t listen. I decided to give you another chance. But once again, you couldn?t even respond to very clear instructions countless times and whenever you did it was usually many days delayed. Meagan intentionally spelled each item out for you in emails because she was getting tired of you not giving her what she needed but you couldn?t follow instructions. It was really unbelievable and something we kept shaking our heads about. So, in the end, you are getting what you have brought on yourself. If you would have given us exactly what we asked for when we asked for it instead of complaining and whining and delaying, you would have been closed by now and with little to no extension fees. And if there still were some extension fees, I probably would have covered some if not all of it like I do for many of my clients. And to top it all off, at one point you made some comment to Meagan that you have cancer (which I don?t doubt) and that she was personally causing you a bunch of anxiety by not getting the loan closed. That?s really low to put that baggage on her. That?s actually pretty pathetic. She didn?t deserve that comment and once again show?s your true colors. I suppose you won?t post that comment either, will you? Mike Raitt, CPAPresidentThe Almega Group of Companies2301 Ohio Drive, Ste 138Plano, TX 75093972-964-5100 x223972-964-5161 Corp fax972-692-8555 Private [email protected] ...?Quality of Life? financial solutions from beginning to end.FINANCIAL PLANNING ? INVESTMENTS ? INSURANCE ? ANNUITIES ? MORTGAGESCOLLEGE FUNDING ? FINANCIAL SEMINARS ? SMALL BUSINESS SOLUTIONSMike Raitt is a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through, WRP Investments, Inc., member FINRA & SIPC.Securities and advisory activities supervised from 4407 Belmont Ave., Youngstown, OH 44505, (330) 759-2023.The Almega Group of Companies is not a CPA firm and is not affiliated with WRP Investments, Inc. From: Mike Raitt To: [member name and email removed] Sent: Wed, November 23, 2011 2:38:38 PM Subject: RE: Conditions Kiss my a** [member name removed]. You are completely clueless. I really don?t care if you walk away from this loan. Actually, my whole staff including me would love it if you do. But, that will be your decision and I will not be the cause of you not closing this loan. Mike Raitt, CPAPresidentThe Almega Group of Companies2301 Ohio Drive, Ste 138Plano, TX 75093972-964-5100 x223972-964-5161 Corp fax972-692-8555 Private [email protected] ...?Quality of Life? financial solutions from beginning to end.FINANCIAL PLANNING ? INVESTMENTS ? INSURANCE ? ANNUITIES ? MORTGAGESCOLLEGE FUNDING ? FINANCIAL SEMINARS ? SMALL BUSINESS SOLUTIONSMike Raitt is a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through, WRP Investments, Inc., member FINRA & SIPC.Securities and advisory activities supervised from 4407 Belmont Ave., Youngstown, OH 44505, (330) 759-2023.The Almega Group of Companies is not a CPA firm and is not affiliated with WRP Investments, Inc. From: [member name and email removed] Sent: Wednesday, November 23, 2011 2:19 PM To: Mike Raitt Subject: Re: Conditions The fact that you are still struggling with your employees' payroll explains a few things . . . From: Mike Raitt To: name and email address withheld Cc: Meagan Zidell Sent: Wed, November 23, 2011 1:41:29 PM Subject: RE: Conditions [member name removed]?. Quit bugging me about this. I?ve already received 1 or 2 other emails about this from you and I will respond here shortly after I?ve had a chance to tie up some other things in my office like payroll for my employees who want to go home a little early today. The day is not over and you will have you answer by the end of the day. Mike Raitt, CPAPresidentThe Almega Group of Companies2301 Ohio Drive, Ste 138Plano, TX 75093972-964-5100 x223972-964-5161 Corp fax972-692-8555 Private [email protected] ...?Quality of Life? financial solutions from beginning to end.FINANCIAL PLANNING ? INVESTMENTS ? INSURANCE ? ANNUITIES ? MORTGAGESCOLLEGE FUNDING ? FINANCIAL SEMINARS ? SMALL BUSINESS SOLUTIONSMike Raitt is a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through, WRP Investments, Inc., member FINRA & SIPC.Securities and advisory activities supervised from 4407 Belmont Ave., Youngstown, OH 44505, (330) 759-2023.The Almega Group of Companies is not a CPA firm and is not affiliated with WRP Investments, Inc. From: name and email address withheld Sent: Wednesday, November 23, 2011 1:39 PM To: Mike Raitt Cc: Meagan Zidell Subject: Conditions We have a condition, too. WE NEED TO KNOW IN WRITING HOW MUCH MORE MONEY WE NEED TO PAY OUT IN WHATEVER FORM INCLUDING BUT NOT LIMITED TO - CASH AT CLOSING, PAY-OUTS TO CREDIT CARDS, PROPERTY TAXES, CURRENT MORTGAGE, ETC. This is your field of expertise and it should be pretty easy for you to figure this out. If you are not able to give us an estimate plus or minus a thousand dollars by the close of business Central time today, then we will call it off. Let us not waste any more of one another's time. We'll start over with a different broker/lender after the holidays if we cannot get a satisfactory answer from you by close of business today.