S
S
SIMMONS
FAMILY WEALTH

Wealth managed with
intention and clarity.

You’ve built something meaningful. Thomas Simmons, CPA and Simmons Family Wealth help you protect it, grow it, and direct it toward what matters most — with the integrated perspective of a fiduciary, fee-based, independent wealth advisor backed by the resources of Cambridge Investment Research, one of the nation’s leading independent broker-dealers.

Begin a Conversation Our Approach
Fiduciary Wealth Management · Greenville, SC
Deeper
Relationships. Fewer clients.
Fiduciary
And independent
CPA
Credentialed advisor
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Our Philosophy

More than a portfolio manager.
Your entire financial life, coordinated.

Most advisors manage your investments. Thomas Simmons manages the whole picture — bringing investments, taxes, estate planning, and insurance together as one strategy. Every client receives Thomas's direct attention, and every relationship is built to last decades, not quarters.

01
Whole-Picture
Coordination

Investments, tax planning, estate planning, and insurance managed as one integrated strategy — not four separate conversations. Thomas coordinates all of it, ensuring nothing falls through the cracks.

02
Institutional
Partnerships

Thomas partners with a carefully selected group of institutional asset managers to bring institutional-grade portfolio management to your assets — maintaining regular communication with each team.

03
A Purposefully
Limited Practice

Not every prospective client is the right fit — and that is by design. The clients we accept receive something rare: a fiduciary advisor who genuinely knows their name, their family, and their full financial picture — supported by the compliance, technology, and custody infrastructure of Cambridge Investment Research.

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SIMMONS
FAMILY WEALTH
Fiduciary Wealth Management · Greenville, South Carolina
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A Purposeful Process

How we work together.

01
Discover

Every engagement begins with a deep conversation — not about your portfolio, but about your life. Thomas invests time understanding your goals, your family, your tax situation, and your full financial picture before a single recommendation is made.

02
Coordinate

Thomas builds your integrated financial strategy — connecting investments with tax planning, estate planning, and insurance into one cohesive plan. He engages institutional asset managers and professional partners, serving as the central point of communication across all of them.

03
Partner

The best client relationships last decades. Thomas monitors, adapts, and evolves your strategy as your life changes — whether that means a business sale, a retirement transition, or a generational wealth transfer. You are never starting over. You are always building forward.

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What We Offer

Comprehensive wealth
management, itemized.

01
Investment Management
Disciplined, tax-aware portfolio construction tailored to your goals, time horizon, and risk tolerance — overlaid with institutional asset management expertise.
02
Financial Planning
A comprehensive roadmap integrating cash flow, retirement projections, insurance, and estate considerations into one cohesive strategy for your family.
03
Tax-Aware Planning
A CPA credential means investment decisions and tax strategy are integrated from day one — reducing drag and improving after-tax outcomes.
04
Retirement Planning
A strategy that creates lasting income and lasting security — whether retirement is five years or twenty years away.
05
Retirement Income Planning
Turning decades of savings into dependable, tax-efficient income — withdrawal sequencing, Social Security timing, and distribution strategy designed to make your wealth last.
06
Estate & Legacy Planning
Coordinating with estate attorneys to ensure your wealth transfers according to your desires — protecting the people and causes you care about across generations.
07
Risk Management
A holistic review of the risks facing your wealth and your family — with practical insurance and protection strategies coordinated into your overall plan.
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Who We Serve

Two kinds of clients.
One kind of relationship.

Profile one
The Established Client

You've spent decades building wealth. The priority now is protecting it, distributing it wisely, and ensuring it endures — for your retirement, your family, and the legacy you intend to leave. You want a fiduciary advisor who coordinates every element of your financial life, not just a portfolio manager.

Near-retirees and current retirees navigating the transition from wealth accumulation to sustainable retirement income

Executives and professionals with complex compensation structures, equity positions, and concentrated stock

Families with estate planning needs — coordinating wills, trusts, beneficiary designations, and multigenerational wealth transfer

Widows, widowers, and divorcees managing wealth in transition and seeking a trusted, independent guide

Typically $1M – $10M investable assets
Profile two
The Future Cornerstone Client

You may not have $1 million in liquid investable assets today — but your trajectory makes you exactly the kind of client we want to grow with. You own a successful business that represents significant value, or you're an executive on a path that will generate substantial wealth in the years ahead. The complexity of your financial life demands sophisticated advice now, not later.

Business owners with valuable enterprises whose net worth is largely illiquid — needing exit planning, succession, and personal financial coordination

Rising executives on an accelerating path — managing equity compensation, deferred comp, and building a financial foundation that matches their momentum

Entrepreneurs approaching a liquidity event — selling a business, taking on investors, or transitioning ownership — who need a coordinated plan before the moment arrives

High-earning professionals in medicine, law, and business accumulating rapidly but lacking a cohesive, integrated financial strategy

The right fit matters more than the right number
Investment
Management

Coordinated with institutional asset management partners selected for your specific needs and goals

Tax
Planning

CPA-led tax strategy integrated directly into every investment and planning decision from day one

Estate
Planning

Coordinating with estate attorneys to ensure your plan, your assets, and your desires are fully aligned

Insurance
Coordination

Reviewing and coordinating coverage as an integrated component of your overall protection strategy

Thomas Simmons — the central point of coordination.

Every advisor, every asset manager, every estate attorney, and every insurance professional communicates through Thomas. One relationship. Complete coordination. Nothing falls through the cracks.

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Financial confidence doesn't come from avoiding decisions — it comes from understanding them.
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About the Firm

Independent. Accountable. Local.

Thomas N. Simmons, CPA - Founder and Wealth Advisor, Simmons Family Wealth, Greenville SC
Thomas N. Simmons
CPA · Founder & Wealth Advisor
864.412.1582 thomas@simmonsfamilywealth.com FINRA BrokerCheck

Simmons Family Wealth was founded on a simple conviction: that successful families and individuals in Greenville deserve the same quality of fiduciary wealth management available to the ultra-wealthy — from an advisor who lives and works in the same community.

Thomas began his career at one of the Southeast’s largest accounting and advisory firms before spending nearly a decade as a financial advisor and firm executive with a Greenville-based boutique wealth management firm, serving high-net-worth families across the Upstate. That foundation — professional tax practice combined with comprehensive wealth management — shapes how he serves clients today: investment management, tax planning, estate planning, and philanthropic strategy, coordinated as one integrated approach.

A Greer native and Greenville resident, Thomas is deeply rooted in the Upstate. He serves as Chairman of the Long-Range Planning Committee at Memorial United Methodist Church. He is also a board member of the Greenville Police Foundation and an active member of the Greenville Estate Planning Council.

Credentials
Certified Public Accountant (SC) · Series 7 & Series 66 · Life, Accident & Health Licensed
Education
Master of Professional Accountancy, Taxation — Clemson University · B.A. Finance & B.A. Accounting — Wofford College
Recognition
Greenville Business Magazine Best and Brightest 35 and Under · St. Francis Forum, Class 21 · Southern Conference Academic All-Conference, Wofford Football, 3-Year Letterman
Community
Chairman, Long-Range Planning Committee — Memorial United Methodist Church · Greenville Police Foundation, Board Member · Greenville Estate Planning Council
Institutional Backing

Behind Simmons Family Wealth stands the infrastructure of Cambridge Investment Research — one of the largest independent broker-dealers in the country, founded in 1981, with over 4,100 independent advisors and more than $2 billion in annual revenue. Cambridge has been recognized as a top-three firm in J.D. Power’s Independent Advisor Satisfaction Rankings and named InvestmentNews Broker-Dealer of the Year. The personal relationship of a boutique firm — backed by one of the most respected independent platforms in the industry.

CPA
Cambridge Investment Research
InvestmentNews Broker-Dealer of the Year
Greenville, SC
Fee-Based
Fiduciary
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Get Started

A confident future
starts here.

Thomas Simmons, CPA is a fiduciary, fee-based, independent wealth advisor serving families in Greenville, the Upstate, and beyond. If you're looking for a trusted financial advisor in Greenville who will always act in your best interest, we'd welcome a confidential introductory conversation.

Schedule a Conversation 864.412.1582