Simmons & Associates, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee‑only investment advisory and financial planning services to individual (non‑high‑net‑worth) clients, small businesses and trusts. Services described in the brochure include tax planning and preparation, retirement and education planning, portfolio analysis, asset allocation, insurance review, estate planning and small‑business planning, offered either as standalone engagements or bundled under a retainer.
The firm’s stated investment approach emphasizes diversified, buy‑and‑hold portfolios implemented primarily with no‑load mutual funds and a written investment policy statement; it does not accept discretionary authority to manage client accounts. The adviser assists clients in executing recommended trades through the client’s chosen broker and performs periodic account and plan reviews with written recommendations at least annually.
Distinctive aspects compared with peers include operating as a solo practitioner while offering both fixed‑fee retainers/quotes and hourly engagements, and incorporating direct tax preparation and planning into its advisory services—features that are uncommon among firms without active registered advisors. The firm does not advise private funds, does not accept custody or provide regular performance reporting, and the principal’s long industry background and academic finance role are cited as informing the firm’s service model (the principal previously held a CFP designation that was not renewed).
Client services
Expertise
Fee options
$150 to $250 per hour
Fee-only: Retainers from $1,500 to $10,000 per year; renewal fees approximately 50% to 100% of first year fees
Main office
Broomfield CO
Advisors at this office
1
Most active in
Colorado · Texas
Also doing business as
Financial Planning Advisory · Simmons & Associates, LLC · Simmons Financial Planning
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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