For Individuals & Families
You have built something worth protecting. SIM TAX brings Big Four rigor to your personal tax strategy — with the discretion, depth, and year-round attention your situation deserves.
The Credential
Barbara Chrzanowska, EA, PMP spent her career at PwC, EY, BDO, and RSM preparing complex returns and leading advisory engagements for high-net-worth individuals, investors, and private families across the Southwest.
At SIM TAX, that institutional depth — the knowledge of what large firms know, and where they leave value on the table — is applied directly to every client engagement.
The Difference
Large firms rotate associates and bill by the hour for every call. At SIM TAX, you work directly with your advisor — someone who knows your income sources, your investments, your family structure, and your long-term goals.
We plan proactively, stay engaged throughout the year, and treat every financial decision as an opportunity to improve your tax position — not just document it.
Privacy & discretion
Your information stays yours
Direct advisor access
No rotating associates
Proactive planning
Before decisions, not after
Full-picture view
Personal + investments + estate
What We Do
Complex wealth requires more than a standard return. We handle every layer of your tax situation with the precision it deserves.
Complex individual returns handled with institutional precision — multi-state income, investment portfolios, alternative assets, and pass-through entities all under one roof.
2026: the SALT deduction cap is $40,400, phasing down above roughly $505,000 of MAGI. For Texas-based owners with income sourced to SALT states, a pass-through entity tax election remains the primary workaround — and it has to be elected, not claimed after the fact.
Cost segregation, 1031 exchanges, passive activity rules, and capital gains timing — we ensure every investment decision carries the most tax-efficient outcome possible.
U.S. and foreign income compliance, FBAR and FATCA reporting, treaty planning, and residency strategy for dual nationals, expats, and foreign investors in the U.S.
ISOs, RSUs, NQSOs, and deferred compensation require careful planning around vesting schedules, exercise windows, and AMT exposure. We build a strategy around your equity — not around the deadline.
2026 AMT exemption: $90,100 single and $140,200 joint, phasing out above $500,000 and $1,000,000. Supplemental wages are withheld at 22% up to $1 million and 37% above it — a gap worth modeling before a large vest.
We coordinate with your estate attorney, trustees, and financial advisors to protect your legacy and minimize generational tax exposure — including family office tax coordination for families with complex multi-entity structures.
The federal estate and gift exemption is $15,000,000 per person for 2026 and now permanent (indexed), so the sunset-driven urgency of 2024–25 is gone — the planning question has shifted from "use it before it halves" to basis, control, and state-level exposure. Annual gift exclusion: $19,000.
Proactive quarterly reviews, estimated tax management, and planning conversations before year-end — so you are never surprised at filing time and every major financial decision is made with tax consequences in mind.
Dates that matter now: Q3 estimates and extended S-Corp and partnership returns are due September 15, 2026; extended individual returns October 15, 2026; Q4 estimates January 15, 2027.
The new tax-advantaged accounts for children opened for contributions on July 4, 2026. We help families evaluate whether to fund one, how it interacts with existing 529 and custodial arrangements, and what employer contributions mean for owners who want to offer them.
The IRS issued proposed regulations on employer contributions (August 11, 2026) and eligible investments (August 20, 2026). The rules are still settling — decisions made now should be revisited as the regulations finalize.
Distribution sequencing, Roth conversion windows, qualified charitable distributions, and coordination between retirement income and Social Security — planned across years rather than filed one year at a time.
Taxpayers 65 and older have an additional $6,000 deduction for 2025 through 2028. The 2026 QCD limit is $111,000 per person.
Who We Serve
Our individual clients share one thing in common — their financial picture demands more than a standard tax practice can deliver.
Multi-state income, investment portfolios, equity compensation, and alternative assets — your return requires more than a standard approach. We bring the depth and discretion your situation demands.
From a single rental property to a multi-asset portfolio, we apply the full toolkit — cost segregation, depreciation strategy, passive loss rules, and 1031 exchanges — to keep more of what your properties earn.
Living or investing across borders creates reporting obligations most advisors underestimate. Barbara's Big Four and national-firm experience includes deep international tax work — FBAR, FATCA, treaty planning, and foreign income coordination.
Families with complex wealth structures — trusts, multiple entities, generational transfers — need a tax advisor who coordinates across the full picture. We work alongside your estate attorney and advisors so every layer is aligned.
How We Work
Every engagement starts with understanding your full picture — and stays engaged throughout the year, not just at filing time.
We start with a complimentary strategy session — no templates, no generic intake forms. We review your full financial picture: income sources, investments, family structure, and current exposure.
We build a documented plan around your specific situation and goals — not a filing checklist. You receive clear recommendations, projected savings, and a calendar of actions to take throughout the year.
Your returns are prepared with the same rigor Barbara applied at PwC, EY, BDO, and RSM. Every position is documented. Every number is verified. Every deadline is met.
Tax planning is not a once-a-year exercise. We stay engaged with quarterly check-ins, proactive outreach before major financial events, and availability when decisions need to be made.
Your first consultation is free and confidential. We'll review your situation, identify what's been missed, and outline a plan — no obligation.
