Deborah FoxCPA

CPA · tax planning & preparation

Your tax return looks back. The savings are beneath the surface.

Deb Fox is a CPA who teaches as she works: proactive tax planning, business entity selection, IRS help and retirement planning for individuals and small business owners, explained until every number makes sense.

Book a free 30-minute consult Call (619) 549-2717
  • Paperless since 2016
  • IRS & state e-file
  • Or hire Deb for one specific question
Portrait of Deborah Fox, CPA, smiling

“Numbers have an important story to tell. They rely upon you to give them a voice.”

Stephen Few, quoted by Deb

Credentials & affiliations

CPA (Texas)
Certificate earned in 1997
ARM
Associate in Risk Management
QuickBooks ProAdvisor
Online certification, 2016
BA in Accounting
University of Texas
  • National Association of Tax Professionals (NATP)
  • Intuit QuickBooks Online Certified ProAdvisor badge

What sits beneath the surface

“On the surface, this may sound easy.”

Increase income, spend less, save more. Beneath the surface, the how can feel hard, especially at these five depths. Choose one to see where Deb helps.

Just starting out and unsure what the IRS and your state expect?

Registrations, estimated payments, deductible start-up costs and the records you need to keep from day one. Deb walks you through the compliance basics before they become penalties.

Handled by: Business Consulting · Tax Preparation & Planning

Ask Deb about this

Services

Hire Deb for the whole year, or for one question.

“Yes, I can e-file your IRS and state income tax returns or you can just hire me to help you with a specific topic or concern.”

The full picture

Returns prepared, e-filed, and planned ahead

Individual and small business returns for the IRS and your state, with planning conversations before year-end so next spring holds fewer surprises.

Book a free consult

One specific topic

A focused answer to the question on your mind

Choosing an entity, reading an IRS notice, a financial health check on your business, or a retirement question. Hire Deb for just that.

Call (619) 549-2717

  • Tax Preparation & Planning

    Federal and state returns prepared and e-filed, with year-round planning so fewer surprises reach April.

  • Business Entity Selection

    Sole proprietor, LLC, S corporation or C corporation: the structure you choose shapes your tax bill and your paperwork.

  • IRS Representation

    Help answering IRS and state notices, and someone in your corner if a letter turns into an examination.

  • Business Consulting

    A clear look at how your business runs, with practical next steps to streamline and grow.

  • Financial Analysis

    Turning your numbers into a story you can read, so you can see where profit is made and lost.

  • Management Advisory Services

    Budgets, cash flow and the planning decisions that sit between bookkeeping and big moves.

  • Retirement Planning

    Tax-aware planning for the years ahead, so saving today and spending later both make sense.

  • See every service in detail
Deborah Fox, CPA

Mission: educate, empower, elevate, & protect

Meet Deb

A CPA, a financial literacy advocate, and a teacher at heart.

“I teach to empower others to navigate uncertain financial seas, to reduce worry, increase confidence, and to save money.”

Deb’s focus is income tax, built on three things: education, strategy and proactive tax planning. Her years in risk management, studying how much risk a city could carry and building self-insurance programs, still shape how she reads your finances: what could go wrong, and how to be ready for it.

  1. 1997

    Earns her CPA certificate in Texas, after a BA in Accounting from the University of Texas.

  2. Early career

    City of Houston Risk Management, then more than ten years in commercial property and casualty insurance; earns the ARM designation.

  3. 2013

    Begins helping individuals and small business owners directly, and starts Deb Fox Financial Wellness to teach money skills.

  4. 2016

    Takes the practice paperless and earns QuickBooks ProAdvisor Online certification.

Read Deb’s full profile

How it works

No office visit. No stack of paper. Just answers.

  1. A free 30-minute conversation

    Call or request an appointment. Tell Deb what is on your mind and hear how she would approach it, at no cost.

  2. Paperless from there

    Share documents through the secure client portal instead of email. Returns are prepared with Intuit tax software and e-filed with the IRS and your state.

  3. Plan the next chapter

    Leave with more than a filed return: a clear explanation of your numbers and the moves worth making before next year-end.

Ready for step one? Request an appointment or call (619) 549-2717.

In clients’ words

“She doesn’t just tell you… she teaches you.”

Five clients, quoted exactly as they appear on Deb’s Deb Fox Financial Wellness testimonials page.

  • Deb Fox, has been filing my income taxes for the last two years. Deb Fox, pointed out ways I can reduce my taxes and boost my income in legitimate creative ways. She has always been available to answer my questions and very resourceful. Deb Fox, is professional and was timely in preparing my income taxes.

    Chris S.; Carlsbad, CA

  • Deb Fox is someone I would highly recommend to any small business owner or individual looking for financial or tax advice. As a CPA she is incredibly thorough and detailed and leaves no stone unturned. She helped my business not only with financial advice and tax preparation for this year but also helped me to plan for the future with invaluable strategies moving forward. As a small business owner there are some things that you should definitely look to others for their expertise on and tax preparation is one of them. Deb’s many years in risk management and insurance were also incredibly useful and I would recommend her without hesitation. As a bonus, aside from being so smart in her field, she is also a lot of fun to work with!

    James S., San Diego, CA

  • Deb’s “financial health checkup” has been instrumental in helping me grow my graphic design business. After taking great care to understand my field, Deb put together a clear and thorough list of actionable steps to streamline my workflow, expand marketing and increase revenue. What I ultimately came away with was not just a list of good ideas. I also gained a valuable understanding that has put me in better control of my finances. I highly recommend Deb. Not only are you getting a knowledgable and professional financial planner, but a talented and patient teacher as well.

    Raw Substance Design, San Diego, CA

  • I would recommend Deb Fox for any individual who may be in need of of financial wellness guidance and counseling. Deb operates with her heart and has 20 plus years in the financial arena. She has the highest level of integrity and professionalism and she has assisted me in the areas of tax planning, tax filing as well as with retirement planning. With Deb’s easy to understand approach and clear communication skills I have learned how to take better care of my money. She doesn’t just tell you how to take care of your finances, she teaches you how to take care of your finances. Skills that you will take with you forever. Whether you work with her one time or a lifetime, I am confident that you will benefit from her services.

    Dave F., San Diego, CA

  • Deb Fox has been instrumental in helping me organize my business plan by creating an Excel spreadsheet. Numbers are definitely Deb’s strength, not mine. Once the spreadsheet was complete, it was very easy to read tab by tab. I am so pleased and it is just what I needed! Thank you Debbie!!

    Kathy B.; New Braunfels, TX

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Free from Deb

Come to your tax appointment ready.

Deb’s Tax Appointment Checklist lists what to gather before you meet, so the time goes to planning instead of paperwork.

  • Personal information
  • Income records
  • Expense & deduction records
Download the checklist (Word document, opens in a new tab)

Word document · free, no sign-up

Quick answers

Questions people ask Deb first

Still wondering about something? The first 30 minutes are free.

Is the first consultation really free?

Yes. Deb offers a free 30-minute consultation, by phone or online, so you can explain what is going on and hear how she would approach it before you commit to anything.

Can I hire Deb for just one question or topic?

Yes. She can prepare and e-file your IRS and state income tax returns, or you can hire her to help with one specific topic or concern, such as choosing a business entity or answering an IRS letter.

Do I need to visit an office?

No. Deb has run a paperless practice since 2016. Documents are exchanged through a secure client portal and returns are e-filed, so there is no need to travel to an office.

What is the difference between tax preparation and tax planning?

Preparation reports what already happened last year. Planning looks ahead, before year-end, to timing, deductions, credits and entity choices that can lower the next bill. Deb focuses on both, with an emphasis on proactive planning.

Can Deb help if I received a letter from the IRS?

Yes. IRS representation is one of her services. Send a copy of the notice through the client portal rather than by email, and she will explain what it means and how to respond.

What credentials does Deborah Fox hold?

Deb earned her CPA certificate in Texas in 1997, holds a BA in Accounting from the University of Texas and the Associate in Risk Management (ARM) designation, and has been a certified QuickBooks Online ProAdvisor since September 2016.

Is there something Deb can help you with?

Let’s give your numbers a voice.

Start with a free 30-minute consultation. Call, or request a time that suits you and Deb will confirm.

Call Deb (619) 549-2717 Talk it through by phone Book online Free 30-minute consult Request an appointment →

Prefer email? deb.fox@deborahfoxcpa.com. Please don’t email tax documents; use the secure client portal instead.