Skip to content
J.E. Simmons & Co.

What we do

Four services, one relationship

Planning is the front door. Tax work and portfolio management come as part of a plan rather than on their own, because without one we don't know enough about your situation to do either well.

Book an intro callSee what it costs
  1. 01Personal Financial PlanningFlat retainer, quarterly
  2. 02Tax Planning and PreparationBilled per return
  3. 03Portfolio ManagementPercentage of assets managed
  4. 04Business ConsultingPart of the planning relationship

Service 01

Personal Financial Planning

Flat retainer, invoiced quarterly

Every relationship starts here. Clarify priorities, organize, plan, and implement changes aligned with your long-term goals.

Questions this answers

  • 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?

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.

From our Insights

Healthcare in Retirement – Retiring Early and Bridging the Gap to MedicareShould a Trust Be Part of Your Estate Plan?College Savings Options: A Practical Overview

Service 02

Tax Planning and Preparation

Billed per return

For planning clients. We prepare and file both the individual and the entity returns.

Questions this answers

  • How do I minimize tax from a practice sale?
  • What additional deductions can I take?
  • Should I convert my IRA into a Roth IRA?
  • Am I saving money in the right accounts?
  • Is my entity type the best fit from a tax perspective?
  • How can I take advantage of the new tax law changes?

Proactive Tax Planning

We evaluate income, deductions, and timing decisions throughout the year to reduce unnecessary taxes before returns are filed.

Business Owner Tax Strategy

Guidance on entity structure, owner compensation, and income planning tailored to practice owners and closely held businesses.

Ongoing Tax Projections

Regular estimates and scenario analysis so you understand your tax exposure before year end, not after.

Integration with Financial Planning

Tax decisions are coordinated with retirement planning, investments, and major life or business changes.

Coordination with Investment Strategy

Aligning tax planning with portfolio decisions, retirement contributions, and capital gains management.

Tax Preparation and Filing

Accurate preparation and filing of individual and business returns, built on the strategy developed throughout the year.

From our Insights

The Two Tax Torpedoes High-Earning Owners Must Watch Out ForMaximize Your S-Corp Health Insurance Deduction: A Step-by-Step GuideMaximize Your Tax Savings: My Favorite Year-End Planning Strategies

Free guide

Where does your money live?

Five environments hold everything you own, and each one is taxed differently. A seven-page guide with a worksheet to map your own.

Get the guide

Service 03

Portfolio Management

A percentage of assets under management

For planning clients. Investing personal accounts plus company retirement plans with custody at Charles Schwab.

Questions this answers

  • Where do I put the proceeds from a sale?
  • Is my portfolio too risky for me?
  • Am I paying too much in fees?
  • Am I too concentrated in these stocks?
  • Are taxes eating away at my returns over time?
  • Where do I put my excess cash?

Customized Portfolio Design

We tailor investments to your goals, risk tolerance, and time horizon.

Tax-Smart Implementation

Your portfolio is built for tax efficiency, including asset location and capital gains planning.

Company Retirement Plan Management

We implement retirement plans for businesses to provide tax savings and employee benefits.

Ongoing Monitoring and Rebalancing

We keep your portfolio aligned with your targets, adjusting as markets shift.

Integration with Tax Strategy

Every investment decision connects to your quarterly tax plan, income timing, and deductions.

Custody at Charles Schwab

Your accounts are held securely at Schwab, giving you full transparency and independent reporting.

From our Insights

401k Plans: Understanding the Basics and Explaining the Benefits to Your EmployeesAn Overview of Investing in Private Equity, Credit, and Real EstateQCDs: Maximize Charitable Giving and Tax Efficiency

Service 04

Business Consulting

Part of the planning relationship

The business is usually the largest asset and the source of the income. We treat it that way rather than as a separate conversation.

Questions this answers

  • How do I sell my business?
  • How does my business compare to others? Am I making enough money?
  • How do I pay myself as an owner?
  • How do I provide a bonus program for my staff?
  • When should I hire another associate, partner, or executive?
  • How do I fix my financials so the numbers are accurate?

Transition and Exit Consulting

Guidance around ownership transitions, internal buyouts, external sales, and long-term exit planning.

Compensation Strategy

Evaluating entity choice, owner pay, distributions, and tax efficiency as the business evolves.

Accounting and Payroll Consulting

Support evaluating accounting systems, payroll structure, and financial reporting.

Cash Flow and Profitability Analysis

Understanding where money is earned, where it leaks, and how changes affect owner income.

Growth and Capacity Decisions

Helping owners evaluate hiring, expansion, equipment purchases, and overhead before committing.

From our Insights

How to Value a Business Before You SellThe Number One Thing Business Owners Forget to Check Before Selling

Working together

You do not have to move your tax work to us.

Many owners keep the accountant who already knows their business and bring us in for planning, strategy, and coordination. We do not have to manage the accounting or prepare the return.

When we do handle the tax work, it is because having it on the same team removes handoffs, not because it is required.

What it costs

Fees are published, by stage.

Planning fees are set by where you are, not by what you have. Tax preparation and portfolio management are quoted separately, and the first ninety days are a mutual evaluation period.

See the process and the fee schedule

Questions

Frequently asked questions

Questions about the process, the schedule, and what things cost are answered on Our Process and Fees.

Working together

Do I have to live in Dallas to work with you?
No. While we are based in Dallas, we can meet virtually with owners across the country.

Planning

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. Business owners also revisit planning decisions during quarterly check-in calls as part of our integrated process.

Tax

How is tax planning different from tax preparation?
Tax preparation reports what already happened. Tax planning focuses on decisions made throughout the year that influence what you ultimately owe. Planning comes first, filing comes last.
Do you only work on taxes during filing season?
No. Tax planning is ongoing. We work with clients throughout the year to review income, cash flow, and planning opportunities so there are no surprises at filing time. We stay up to date on federal and Texas state law changes. We also extend that expertise for the states that our clients operate in.
Do you handle both personal and business tax returns?
Yes. We prepare individual returns as well as business, trust, partnership, and S corporation returns and coordinate them as part of one integrated strategy.

Portfolio

Can I keep my current investments?
Yes. We'll review your current holdings as part of your overall plan and, where appropriate, incorporate them into your portfolio. We may also recommend adjustments for tax efficiency, diversification, or better alignment with your goals. We don't force transitions but will recommend changes we believe to be in your best interest.
What types of retirement plans do you manage?
We design and manage 401(k)s, cash balance plans, SEP and SIMPLE IRAs — coordinating them with your income, business structure, and tax strategy. We also handle investment selection and administrator management, so you can focus on running your business.

Business consulting

How is this different from working with a CPA or bookkeeper?
CPAs and bookkeepers focus on reporting and compliance. Our role is to help you evaluate decisions before they are made and understand how those decisions affect taxes, cash flow, and your personal financial goals.
Can you help improve accounting and payroll clarity without replacing our current providers?
Yes. We do not replace your bookkeeper or payroll provider. We help evaluate systems, structure, and reporting so the information you receive is accurate, consistent, and useful for decision making.
Is business consulting project-based or ongoing?
It can be either. Some clients engage us around specific decisions or transitions, while others work with us on an ongoing basis as a strategic advisor as their business evolves.

Ready to get started?

Start with a conversation.

The purpose of this 15 minute call (free) is to see if you need an advisor for your practice or firm. No preparation is required.

Fee-only and fiduciary. We are paid by our clients, not by product sponsors. No commissions and no product sales. Client assets are held in custody at Charles Schwab.

Not ready to talk? Subscribe to Insights instead: tax and planning education for business owners, 1 to 2 times per month.