Full-Service CPA Firm Offering Audit, Tax & Advisory Services

Established in 1987, TWHC has a diverse clientele. In addition to traditional individual and small business tax services, TWHC has four specialty practices: Financial Institutions, Casinos & Gaming, Retirement Plans, and Not-For-Profits. Experience a high-quality service seldom found in other firms.

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Advisory Services

TWHC’s consultants can assist your organization in various ways. TWHC offers forensic services, compliance reviews, risk assessments; IT network penetration and vulnerability assessments; and offers BSA audits to financial institutions and money service businesses.

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Assurance Services

TWHC offers financial statement audits for Financial Institutions, Casinos & Gaming, Retirement Plans, and Not-For-Profit Organizations. We also offer review and compilation services to small businesses.

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Tax Services

Whether you are an Individual, Partnership, Corporation, or Not-For-Profit, TWHC can help you plan and position yourself in such a way as to maximize your tax posture.

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IT Services

Our proprietary tools reduce the total time required for audits while still ensuring a complete scope. Systems are tested for a broad range of vulnerabilities with hands-on service from our IT experts using customized methodologies.

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Internal Audit Services

TWHC’s team of auditors can assist you with co-sourcing or outsourcing your internal audit needs. For over thirty years, TWHC has either augmented internal audit departments or has acted as the internal audit department for various financial institutions.

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Business Management Services

Many of our small business clients find that it is far more cost-effective to have TWHC manage their bookkeeping than to hire a full-time bookkeeper.

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Our Services

Tax & Accounting Services

Regardless of client size or circumstance, each and every one of our clients receive specialized attention and service.

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Assurance Services

Our team develops specific audit plans for your institution and drafts programs tailored to your needs.

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Advisory Services

Our professionals work with you to deliver customized consulting solutions that meet your objectives.

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Our Firm

Turner, Warren, Hwang & Conrad AC (TWHC), based in Los Angeles, California, is a full-service CPA firm built on principles that ensure its clients receive value. TWHC was established in 1987, and its charter partners all worked together at a previous firm that was driven by similar principles.
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Our Industries

Financial Institutions
Schools
Media & Entertainment
Casinos & Gaming
Health Care Professionals
Professional Services
Government
Manufacturing, Retail & Distribution
Technology & Software Start-Ups

Testimonials

It took 20 years, but I finally found a financial advisor upon whom I can (and do) rely on without hesitation. This firm, and especially, Natalie Hull, is first-rate; creative, patient, intelligent, and professional. They’re a true pleasure to work with.
Diane Goldman
Law Office of Diane Goldman
Our family business of 50+ years is serviced by and entrusted to TWHC. Their service is excellent in that it is nothing short of efficient, professional, and not to mention, networked by a very friendly, helpful, and competent staff. Natalie, Veronica, and Val are such a pleasure to work with. We highly recommend them for your accounting needs.
Teresa M.
Follieros Italian Food & Pizza
TWHC has been my trusted partner for more than 10 years running, Val Creus and his staff are very knowledgeable, professional, and available when needed and I recommend them highly.
Martin Fleischer
Travis Credit Union
Over the years, I have recommended other individuals, small companies, and non-profit organizations to Natalie. My interaction with everyone at TWHC is a consummate professional and the depth of their expertise is clear from the very start of the conversation. A large firm could choose to bump us down on their list of priorities but Natalie and the TWHC team that works with me is incredibly responsive and knowledgeable about the ups and downs of my individual tax filing.
Toni Rose
MUFG Union Bank, N.A.
Outstanding service and first-class technical knowledge, all delivered at a reasonable price, are what characterize TWHC. I highly recommend them for your auditing, accounting, and tax needs.
Peter Putnam
Credit Union of Southern California
So happy to have found Natalie Hull with TWHC. She is incredibly professional and responsive. I’m so grateful to have her as an expert guide for both my business and personal accounting needs.
Victoria H.
Adelpha Psychiatric Group
It is always a pleasure working with you and your team, your knowledge of the Credit Union industry makes the audit go smoothly. We also, appreciate the updates on any tax law changes!
Tony Sawaya
Arrowhead Credit Union
TWHC, a company that consistently acts with the highest degree of professionalism and integrity has been instrumental in the transformation of our credit union into a high-performing organization.
Eddie Young
The Police Credit Union
This past year was my first tax season as an independent consultant and the TWHC team has been a dream. I’m confident that I’ve not only gotten a better return but have the confidence that they can answer any seemingly obscure question thrown their way...
Nicole Brooker
Nicole Brooker Strategy
It took 20 years, but I finally found a financial advisor upon whom I can (and do) rely on without hesitation. This firm, and especially, Natalie Hull, is first-rate; creative, patient, intelligent, and professional. They’re a true pleasure to work with.
Diane Goldman
Law Office of Diane Goldman
Our family business of 50+ years is serviced by and entrusted to TWHC. Their service is excellent in that it is nothing short of efficient, professional, and not to mention, networked by a very friendly, helpful, and competent staff. Natalie, Veronica, and Val are such a pleasure to work with. We highly recommend them for your accounting needs.
Teresa M.
Follieros Italian Food & Pizza
TWHC has been my trusted partner for more than 10 years running, Val Creus and his staff are very knowledgeable, professional, and available when needed and I recommend them highly.
Martin Fleischer
Travis Credit Union
Over the years, I have recommended other individuals, small companies, and non-profit organizations to Natalie. My interaction with everyone at TWHC is a consummate professional and the depth of their expertise is clear from the very start of the conversation. A large firm could choose to bump us down on their list of priorities but Natalie and the TWHC team that works with me is incredibly responsive and knowledgeable about the ups and downs of my individual tax filing.
Toni Rose
MUFG Union Bank, N.A.
Outstanding service and first-class technical knowledge, all delivered at a reasonable price, are what characterize TWHC. I highly recommend them for your auditing, accounting, and tax needs.
Peter Putnam
Credit Union of Southern California
So happy to have found Natalie Hull with TWHC. She is incredibly professional and responsive. I’m so grateful to have her as an expert guide for both my business and personal accounting needs.
Victoria H.
Adelpha Psychiatric Group
It is always a pleasure working with you and your team, your knowledge of the Credit Union industry makes the audit go smoothly. We also, appreciate the updates on any tax law changes!
Tony Sawaya
Arrowhead Credit Union
TWHC, a company that consistently acts with the highest degree of professionalism and integrity has been instrumental in the transformation of our credit union into a high-performing organization.
Eddie Young
The Police Credit Union
This past year was my first tax season as an independent consultant and the TWHC team has been a dream. I’m confident that I’ve not only gotten a better return but have the confidence that they can answer any seemingly obscure question thrown their way...
Nicole Brooker
Nicole Brooker Strategy

Our Blog

Could Bad Debts Lower Your 2026 Taxes?

Could Bad Debts Lower Your 2026 Taxes?

Sep 4, 2026 |

When customers or others don’t pay what they owe your business, you may be able to claim a bad debt deduction to help offset the financial loss. But it isn’t automatic. Businesses must satisfy specific federal tax rules and maintain adequate records to support the...

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