About Us
The Financial Team Your Practice Deserves
We empower dental professionals in Hawaii and California with expert bookkeeping, strategic tax planning, and data-driven business consulting, all under one roof.
Our Mission
From Financial Stress to Financial Strength
10Fold Financial was born from a simple observation: too many talented dental professionals were being held back by their finances. We saw practice owners stressed by disorganized books, uncertain about their tax situation, and lacking the clear data needed to make confident business decisions.
They were paying for services, but they weren’t getting value.
We founded our firm to change that. Our mission is to handle all of your financial needs with a higher standard of care and expertise. We are here to take the entire burden of bookkeeping and tax preparation off your plate, giving you peace of mind and more time to focus on your patients. We believe that when your finances are handled with precision and strategic insight, they become your greatest asset for building a stronger practice.
Saman Ghaffari Garkani
Co-Founder & Lead Accountant
Trusted by dentists and specialists alike
Our Approach
Why Our Approach is Different
Our background in business and data analysis isn’t just for high-level consulting; it’s infused into everything we do. It’s the advantage that makes our core services more valuable to your practice.
Bookkeeping with Purpose
For us, bookkeeping is more than just data entry—it’s about building the foundation for intelligence. We structure your books from day one to provide crystal-clear reporting, ensuring your financial data is not only accurate but also easy to understand and ready for strategic analysis.
Tax Planning, Not Just Preparation
Anyone can file a tax return. Our goal is to optimize your outcome. We use our business acumen to look at your practice holistically, identifying opportunities for savings and developing year-round strategies to minimize your tax liability legally and effectively. We don’t just report the numbers; we strategize around them.
Consulting for Real Growth
When your bookkeeping is flawless and your tax strategy is optimized, you have the perfect platform for growth. Our consulting services leverage this solid foundation, providing the data-driven insights and expert guidance you need to increase profitability, manage cash flow, and build long-term value.
As Intuit Certified QuickBooks ProAdvisors, we exclusively utilize QuickBooks Online, the industry-leading cloud platform, to manage your financials. This ensures your data is protected by bank-level security, while our certified expertise guarantees the platform is optimized for your convenience and provides you with 24/7 secure access from any device.
Meet the Partners
Your Dedicated Financial Partners
Saman G. Garkani, MBA
Co-Founder | Financial Strategist
Saman Ghaffari Garkani
With over 20 years of experience in operations management, payroll, bookkeeping, and cash flow analysis, Saman provides dental practices with a level of reliable financial support that is second to none. His practical expertise is backed by a powerful academic foundation, including a Bachelor’s in Industrial Engineering and an MBA from San Jose State University, which blend analytical precision with insightful business strategy.
While his experience spans diverse industries from startups to non-profits, his focus is exclusively on dentistry — a field he is personally connected to with two dentists in his family. This unique perspective allows him to understand the nuances of running a practice smoothly.
As a Certified QuickBooks ProAdvisor, Saman doesn’t just deliver clean, audit-ready financials; he turns them into a tool for growth. He is passionate about streamlining systems and providing the clarity clients need to improve profitability and build a more successful practice.
Lona Bosi, MBA, EA
Co-Founder | Business Tax Strategist
Lona Bosi
As an Enrolled Agent (EA) — a credential issued directly by the IRS — Lona is a federally authorized tax practitioner with elite expertise in all areas of taxation. She is the expert in building the immaculate financial foundation every successful dental practice needs.
With 23 years of experience, Lona’s deep knowledge of accounting systems, business entity setup, and dental-specific tax strategy is unparalleled. She combines this practical expertise with a Bachelor’s in Accounting and an MBA from San Jose State University, ensuring every client’s financial operations are precise, compliant, and perfectly optimized.
Furthermore, as a licensed realtor, Lona offers a unique perspective on the major real estate decisions that practice owners face, from leasing office space to purchasing a building. This rare combination of tax, accounting, and real estate knowledge makes her an invaluable asset for dentists navigating complex financial landscapes.
Who We Serve
Does Your Accountant Understand Dentistry?
We are proud to focus exclusively on the dental industry. This singular focus allows us to provide an unparalleled level of specialized knowledge and service that general accounting firms simply cannot match. We understand the specific financial workflows, challenges, and opportunities that are unique to your profession.
Our Clients Include:
- General & Family Dental Practices
- Specialty Offices (Orthodontists, Oral Surgeons, etc.)
- Associate Dentists & Independent Contractors
Our Service Areas:
- We are proud to offer our full suite of remote bookkeeping, tax preparation, and business consulting services to dental professionals throughout the states of Hawaii and California.
Are you ready?
Let's Bring Clarity to Your Finances
Whether you need reliable bookkeeping, strategic tax help, or a high-level financial partner, it all starts with a conversation. Schedule your free, no-obligation consultation today to discover how we can help your practice thrive.