Discovery and Data Gathering
We gather the inputs that drive decisions and help you get organized.
Financial Planning
Financial Planning for Business Owners
Clarify priorities, organize, plan, and implement changes aligned with your long-term goals.
The financial planning process answers common questions from owners
When does work become optional?
How much can we spend and still stay on track?
How do we protect the family if something happens to me?
Are we saving in the right places, and in the right order?
How do we plan to retire next year?
Should I convert funds to a Roth IRA?
J.E. Simmons and Company Financial Planning Capabilities
Retirement Planning and Projections
Understanding when work becomes optional and what it takes to get there.
Major Life and Business Transitions
Guidance around practice changes, real estate purchases, sabbaticals, or transitions.
Cash Flow and Lifestyle Planning
Seeing where your money goes today and how it should support your life going forward.
Tax Aware Planning
Coordinating savings, investments, and income decisions with your broader tax strategy.
Risk Management and Insurance Review
Putting the right protections in place without unnecessary coverage.
Education and Family Planning
Planning for college, dependents, and long term family priorities.
Our Financial Planning Process
Analysis and Planning
We pull everything together to help you build a financial plan for the future.
Implementation
We help implement the action items that result from the plan.
Ongoing Monitoring
We update and review the plan as life evolves.
Frequently asked questions
What does financial planning include?
Financial planning looks at your entire financial picture, including income, spending, savings, taxes, investments, insurance, and long term goals. The goal is to help you make informed decisions that work together rather than in isolation.
How is financial planning different from investment management?
Investment management focuses on how your money is invested. Financial planning focuses on the decisions that guide those investments, such as retirement timing, spending levels, tax strategy, and major life or business changes. Planning sets the direction, and investments support the plan.
How often is my financial plan updated?
Your plan is reviewed at least annually and updated as needed when your life, business, income, or goals change. Many clients also revisit planning decisions during quarterly check ins as part of our integrated process.
Do you coordinate financial planning with taxes and investments?
Yes. Financial planning is integrated with both tax strategy and investment management. This coordination helps ensure decisions around saving, spending, and investing align with your tax situation and long term objectives.
Is financial planning only for retirement?
No. Retirement is an important component, but planning also covers cash flow, insurance decisions, education planning, business changes, real estate purchases, and other major financial decisions throughout your life.
Who benefits most from financial planning?
Business owners, practice owners, and high income professionals often benefit the most due to complex income, taxes, and competing priorities. Financial planning helps bring clarity and structure to those complexities.
How do I get started?
The first step is a conversation. We start by understanding your goals, your current situation, and the decisions you are facing, then determine whether our planning approach is a good fit.
Do I need to live in Dallas to work with you?
No. We work with clients nationwide. Many clients visit Dallas once per year for a full plan review as needed, and we meet virtually for ongoing check ins and monitoring calls.
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