Comprehensive
Financial Services

We offer the most outstanding value to our clients by offering a comprehensive service plan.
Our goal is to minimize fees while addressing all the needs of our clients.

Personal Planning

Like a diet that only lets you eat celery, a personal financial plan that only focuses on investments is unsustainable. We help you address the many aspects of creating a balanced, long-term plan for success, while ensuring that no key areas are starving for attention.

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Lifestyle Management — The biggest threats to the success of your financial plan are your outlook and behaviors. We’re a tough coach and we believe in discipline, determination and hard work.

Debt Planning — Debt doesn’t have to be the elephant in the room. Together, we will look at where you are and establish a long-term plan for reducing your debt.

Retirement Savings — We help you select and maximize the most efficient savings vehicles, in terms of your specific financial and personal considerations. With advanced software that allows for multi-scenario comparative analysis, we develop strategies to reach your goals and weather the storms.

Investment Management — We fine-tune your portfolio by setting goals based on your level of risk tolerance and overall investment strategy.

Distribution Planning — Plan for your retirement in confidence, knowing that you’re working toward being debt-free and fully prepared for this stage of your life.

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Business Planning

Specializing in the specific processes related to buying a practice, starting a new practice, developing a partnership and providing long-term financial management has been our proving ground. This is what sets us apart and sets you on a course for success.

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Buyer Representation — We provide sound expertise in negotiating your offer, evaluating the tax implications and assessing the key components involved in purchasing a practice.

Practice Startup — We assist you in creating a well-balanced, effective plan that encompasses the relevant aspects of establishing a new practice from build-out through the first 24 months.

Partnership Consulting — We have the knowledge to help you structure your partnership in an efficient, logical and financially feasible manner.

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Integrated Business Services

Our comprehensive accounting, tax and payroll services aren’t offered on a pick-and-choose basis. This is because these services are designed to work together. Offering one without the other would be like exercising only one side of your body.

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Accounting — Unlike other accountings firms, we do most of the legwork. We take as much off of your plate as possible, by coding your monthly transactions, issuing financial statements and ensuring your books meet regulatory and tax guidelines.

Tax Preparation & Planning — An ounce of prevention is worth a pound of cure. We help you meet your filing deadlines, minimize your overall tax burden and stay in compliance with current tax laws specifically related to dental professionals.

Payroll — There’s more to payroll than simply issuing checks. From taxes and withholding to benefits and returns, our turnkey, web-based payroll utilities offer the same advantages as national payroll services, at a much more reasonable price.

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Pension Services

A one-size-fits-all approach to retirement does not empower you to maximize your financial future. At MLW, our approach uses every detail of your business operations to customize contributions and help you achieve your retirement goals using tax-advantaged plans.

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Plan Document Preparation — We keep up to date with the legislative changes that will impact your plan so you don’t have to. We design custom documents based on what features will be the best fit for your business practices. We also conduct a review each year so that your plan grows with your business.

Compliance Testing — We are your system of checks and balances to help ensure your plan is operating within DOL and IRS regulations. When combined with our payroll services, we will work with you to ensure your plan is operationally healthy. We will also walk you through a list of action items each year to keep the task of sponsoring a plan simple and stress free.

Customized Contribution Calculations — We pride ourselves on maximizing the benefit of your retirement plan contributions while minimizing your costs. We have proven results of being able to offer a more cost-effective solution than our competitors. This is because we have a team of experts who recognize the importance of not taking a one-size-fits-all approach.

Government Filings — We will help keep you on schedule when it comes to plan deadlines. Our services include preparing and filing the required government forms. We also prepare required disclosures for your employees.

Cash Balance Plans — After fully-funding your traditional 401(k) plan we can help you further leverage your resources and maximize returns. We offer cash balance plans to increase your tax-advantaged savings and help you prepare for your future.

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“Working with Michael has taken all the stress and guesswork out of my personal finances. I still have to make the business work, but knowing that my taxes, income, insurance coverage, and investments are all being taken care of is massive.”

Timothy Rauch, DDS Hollister, CA

DISCLAIMER: The individual providing this testimonial is a current client of Moss, Luse & Womble, LLC and has not been compensated for it. There are no conflicts of interest on the part of our client resulting from our relationship with them.

“They consistently back up and prove why I recommended them in the first place. Making a recommendation to someone, you always want that recommendation to pan out, and when it goes well, as it always does with MLW, you get to share in that a bit.”

Timothy Nguyen, DMD Plano, TX

“MLW has not only helped us succeed with the guidance and support to start and grow a successful practice, but more importantly given us peace of mind. The biggest return on our investment has been the time returned to our personal lives as the firm has always matched up to our expectations..”

Shireen Irani, DDS Frisco, Texas

Ready to Redefine
Your Financial Success?

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Comprehensive
Financial Services

Personal Planning

Business Planning

Integrated Business Services

Pension Services

Ready to Redefine
Your Financial Success?

Newsletter

Subscribe for Exclusive Updates

ComprehensiveFinancial Services

Personal Planning

Business Planning

Integrated Business Services

Pension Services

Ready to Redefine Your Financial Success?

Newsletter

Subscribe for Exclusive Updates

Comprehensive
Financial Services

Ready to Redefine
Your Financial Success?