In 1981, Rick Goldberg began his career as an accountant. It wasn’t until 1988, that he became a partner at Cashuk & Wiseman after a brief tenure as a Chief Financial Officer for a mortgage banking company. His time at the mortgage company prepared him for his current expertise in certified financial audits for the mortgage banker (broker) industry and homeowners’ associations. He also holds practice in a full range of accounting services including tax planning, tax preparation, and consulting for individuals and small to mid-sized businesses. When he is not at the office doing what he loves, he enjoys speaking at industry conferences across the country.

Rick is a proud alumni of the University of San Diego where he received his Accounting degree. He has been a member of the California Society of CPAs since 1985 and the American Institute of CPAs since 1994.

Rick Goldberg is licensed in several states throughout the country including California, Arizona, Nevada, Oregon, Washington, Louisiana, Idaho, North Carolina, Utah, Tennessee and Massachusetts.

What’s your favorite part of the job?

Contrary to what most people would believe, working with numbers is not what gives me the most satisfaction, its problem solving and tax savings. The ability to uncover potential areas of concern and make strategic recommendations to my clients is what really gives me the greatest satisfaction. Being part of a culture that embodies these same common principals is invaluable.

I strive to get to know each and every one of my clients on a personal level. This not only enables me to gain friendships, but also helps me think “outside the box” with problem solving and tax strategies. I just love it when my clients say — “Rick, you don’t act like an accountant!”

What do you do when you’re not working?

I’m passionate about family and travel when it’s not tax season. I make it a point to spend as much time as I can traveling with my wife Cathy, our daughters Nicole and Alexandra, our sons Kevin and Anthony, and our daughter-in-law, Lauren. My passions include golf, fishing, hiking, music, theatre, and cooking. You name it — we fit it in between April 15th and January 1st. In addition to our passion for life, serving our homeless community here in San Diego is a family affair —  “To he who much is given…. much is expected.”

What’s something about you that not many people know?

Although becoming a CPA has always been my lifelong mission, I can assure you that my family did not share the same enthusiasm. In 1978, after winning the NCAA Championship in tennis (men’s doubles), my family expected that I would pursue a professional tennis career. You can imagine that I’ve taken some “net shots” from them over the years for my decision, however, as clients of mine now, they would likely say that they wouldn’t have it any other way.  All’s well that ends well!


Wes Salem opened his first business after graduating with an Accounting degree from San Diego State University in 1990. Having owned his own business has given him first-hand knowledge of the advantages and challenges that come with such endeavors. In the last 25 years, he has run multiple businesses and used his experience to assist hundreds of clients in making their business dream a reality.

In 1994, he began his accounting career with a San Diego firm and later joined Cashuk, Wiseman, Goldberg, & Birnbaum in 1999 as a staff accountant. It was only three years later that he became a full partner in 2002.

In addition to strategic tax planning, his expertise is in small business and the retail industry. Wes finds passion in assisting clients in understanding every aspect of their business, including insurance, financing and accounting needs.

He has been a member of the California Society of CPAs since 2000.

What is your favorite part of the job?

My favorite part is meeting people and helping them navigate through their tax and financial needs.

What do you like to do when you’re not working?

I enjoy spending quality time with my family.

What’s something about you that not many people know?

I always find a solution for any issues with clients and I take it personal.


Loli Cremat has over 30 years of vast experience in accounting, tax, and auditing in private and public sectors. Her background consists of internal auditing at a large universal bank, and over 20 years in public accounting including audit, review, compilation, and tax return preparation.

Her experience with different industries such as mortgage, escrow, non-profit organizations, retirement plans, software development and various others, has made her an incredibly valuable source of information for the firm and our clients.

Loli earned her Bachelor of Business Administration with a concentration in Accounting degree from the Philippines in 1990. Shortly after graduating, she earned her CPA certification in 1991, and her California CPA certification in 2003.

She is a current member of the California Society of Certified Public Accountants, and is well respected among her peers.


Michael began his accounting career in 1998 in the hotel industry.  He switched to the manufacturing industry in 2000, and received his CPA License in 2003, from the State of Ohio.  In 2004, Michael moved to San Diego where he joined CWGB&S, LLP, as a Senior Auditor/Tax professional and was promoted shortly after to Audit/Tax Manager. Prior to becoming a partner at CWGB&S, LLP, Michael successfully built his own practice in Encinitas where he helped his clients in a variety of industries and individual tax planning. During that time, he was given the “Best of 2015” award from Thumbtack in the accounting category and received numerous positive reviews.

With over 20 years of experience under his belt, Michael is dedicated to enhance and improve your tax and accounting matters. He has extensive experience on certified financial audits for escrow companies, non-profit organizations, service, mortgage companies and manufacturing. His areas of concentration include income tax planning and compliance of individuals, partnerships, and corporations. Michael has worked with companies of all sizes.

He earned his Bachelor of Business Administration in 1995 from Trisakti University in Jakarta, Indonesia and his MBA from Cleveland State University in 1998. Michael is a proud member of the California Society of CPAs and Ohio Society of CPAs.

What is your favorite part of the job?

I like helping my clients pay less taxes and love to be a part of their lives.

What do you like to do when you’re not working?

Family is my first priority in life, I spend the majority of my free time with them. I also picked up long distance running recently and really enjoy getting out there.

What’s something about you that not many people know?

Having trained and finished a marathon from a couch potato in 3 years, made me realize that everything is possible with proper planning and training.