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Financial Planning Solutions using the MOSSOM™ Process. Learn More Here.
The MOSSOM™ Process is the proceedure we use to help our clients identify, quantify, optimize, and strategize the best possible track to achieve their dreams.

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Texas Educators

An educator is preparing the next generation to take our place. This giver-focused career can overwhelm and cause a lack of self attention to one’s own financial future.

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Clergy

Clergy are in a unique tax status; they are considered an employee of a church but in other ways, self-employed. Their retirement savings and distribution rules differ…

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Business Owners

According to US Government records, over 99 percent of America’s 28.7 million firms are small businesses. The vast majority (88 percent) of employer firms have fewer than…

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Employees

If you are one of the over 150 million people employed in the USA, you have some things that you should prepare for. Most businesses no longer provide pension plans for their…

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Our Team

Kevin Moss

Investment Advisor

Joyce Moss

Medicare Specialist

Optivise Advisory Services

Back Office & Support

Future Financial Representative

Our Six-Step Process Can Help You Achieve Your Goals

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Services
Financial Planning
  • Retirement Plans
  • Tax Plans
  • 401(k) Planning
  • 403(b) Planning
  • Estate Plans
  • Profit Sharing Plans
Medicare Planning
There are hundreds of choices available for people 65 and older and for those that otherwise qualify for Medicare. We take a consultative approach and determine what features and benefits are most important to you and then present you with providers that fulfill those needs. That way you can make an informed decision.
 
Insurance
  • Disability Income
  • Life
  • Long-term Care
Tax Planning
  • Estate
  • Income Tax Planning
  • Capital Gains Tax Planning
Latest Posts

How does the “Big Beautiful Bill” affect tax strategy and estate planning?

Congress recently passed the President’s “Big Beautiful Bill,” a comprehensive tax law that introduces significant changes for individuals, business owners, and investors. While many taxpayers will benefit from reduced taxes and ...
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Drivers of Equity Returns Likely to Shift Going Forward

Predicting stock market returns is famously difficult, with so many variables – many beyond anyone’s control – combining in unpredictable ways to humble even the most knowledgeable experts at times. Bonds, ...
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Week Summary 9/23/22 – All Eyes on Me… (Jerome Powell)

The Federal Reserve met yesterday and raised the overnight Fed Funds target rate by 75bps to 3.00% – 3.25%, matching the market consensus. That part was no surprise… but the forecast ...
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Starting to feel like DeJa Vu?

Quick warning – there are a lot of charts in this blog. I think they are well worth looking at though. I have seen a few articles comparing the rally since ...
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Top Ten

Top Ten Things Everyone Should Plan On The list I have prepared is based upon my life experience and not meant to be the “be all end all” of life’s decisions. ...
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Financial Plans, Insurance, Tax Planning By |

Holistic Approach Makes a Difference

In the tax preparation process, we will often find missed opportunities. Most people look to their investment adviser for returns on their money. This is an important quality, but sometimes tax ...
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