At MLC FINANCIAL SERVICES, we can help you create a road-map for your retirement. All clients have unique needs and desires for their retirement. There is no “one size fits all” solution. We will take the time to listen, and then put together a financial plan that matches your specific needs.

Our Services

IRA Stretching

IRA Stretching

Stretch your IRA across generations! 

MLC Financial Services can assist you in establishing a plan to stretch your IRA funds across multiple generations to Children, Grandchildren and Great Grandchildren…or to the Charity of your choice.  Often times, when inheritance is left in a lump-sum fashion to kids, it is quickly squandered or lost to heavy taxation.  Imagine instead, providing a lifetime stream of income that can span generations, truly leaving a Legacy to your family.

Traditional IRA to a Roth Conversion

Traditional IRA to a Roth Conversion

Convert your Traditional IRA to a Roth, while you still can!

MLC Financial Services has a solution, and we’ve already helped many of our clients begin to convert their fully taxable IRA’s into tax-free Roth’s. This solution is not for everyone, but a professional can sit down and help determine if it makes sense for you. The earlier you get started, the better the results, so don’t hesitate another day.

Tax-Free Retirement

Tax-Free Retirement

Which would you like, Taxable or Tax-Free Retirement?

MLC Financial Services can help you establish a special program that will provide Tax FREE…that’s right….TAX FREE income to them in their retirement years.  This solution is not for everyone, but one of our  professionals can sit down with you to determine if it’s a good fit.  Even if you already have a 401k or IRA, these IRS approved programs can still work.  We would love to share with you the secret to turning TAXABLE into TAX FREE.

401K Rollover

401K Rollover

Questions on Rolling your 401K?

When you work with MLC Financial Services to roll over your 401K, 403B, 457, or Thrift Savings Plan, we will assist you with all of the necessary paperwork and help to simplify the process.  We help our clients with hundreds of rollovers each year, and we would appreciate the opportunity to assist you as well.

Find Out More

For your convenience, our most common customer questions are answered right here.

Not finding what you want? Reach out directly through our Contact Us page.



Mike Cox
Mike Cox

Mike Cox



Mike is a native West Texan and a proud graduate of Texas Tech University. He has been involved in the financial and investment industry for over 12 years in Lubbock and has assisted his clients in many aspects of their financial lives-especially by providing them with certainty, clarity, and peace of mind. His #1 goal is to continue to develop long-term client friendships that have been formed out of trust.

Mike has the ability to offer at risk investment strategies that offer higher return potential through his relationship as an investment advisor representative of Wealth Watch Advisors. He enjoys helping his clients preserve, protect, and enjoy their hard-earned assets by providing simple, yet comprehensive strategies that utilize Registered Investment Advisory Services, offered through Wealth Watch Advisors, LLC.  Mike also helps his clients with sound tax information and Elder law legal assistance. Because of the strategic partnerships with CPA’s and attorneys, he is confident in his ability to assist you with all of your estate planning and retirement needs.

Mike has been married to his college sweetheart, Kimberly, for over 25 years, has two children, Madelyn (17) and Halle (13) and has lived in Lubbock for over 22 years of his adult life. Mike enjoys being in the outdoors, playing the guitar, and spending time with his family.


It is our goal to assist you in creating a worry-free and secure retirement. We hope that you find these exclusive free reports informative and helpful.

Contact Us


Thanks, We’ll talk soon.
Fields marked with an * are required