Andre Shammas is a trusted accountant and budgeting expert based in El Cajon, California. Born in Malaga, Spain, Andre moved to the U.S. in the 1990s with his family, navigating the challenges of a new culture, language, and financial system.
His experiences as an immigrant inspired his passion for helping others manage their budgets, maximize their resources, and achieve financial security. After earning a Bachelor’s degree in Accounting from San Diego State University and working as a state auditor, Andre founded Shammas Bureau, where he offers personalized budgeting and tax solutions to small businesses, families, and individuals. When he’s not helping clients, Andre enjoys BBQing with his family, exploring San Diego, and sharing his journey to inspire others.
What’s one lesson your immigrant experience taught you that you apply to your work?
Adaptability. Moving to a new country as a teenager was tough. Everything was unfamiliar—the language, the culture, even the financial systems. But that experience taught me to be flexible and to approach challenges with curiosity rather than fear. In my work, I apply the same principle. Every client’s situation is unique, and the ability to adapt solutions to fit their specific needs is what makes budgeting and tax planning effective. I always remind myself: no one approach works for everyone.
How do you approach budgeting for small business owners differently from individuals?
Small business owners face unique challenges—they’re not just managing personal expenses; they’re also overseeing payroll, overhead, and cash flow. For them, budgeting is about balancing immediate needs with long-term goals, all while accounting for market fluctuations and unexpected costs. With individuals, the focus is often more on stability, setting achievable goals, and building savings. In both cases, though, my goal is the same: create a clear, practical plan that supports sustainable growth and reduces financial stress.
What’s one piece of advice you give clients struggling to stay on budget?
Start small and focus on consistency. A lot of people think they need to overhaul everything at once to see results, but that can be overwhelming and unsustainable. I tell my clients to pick one area—like cutting back on unnecessary subscriptions or setting aside a specific percentage of their income for savings—and stick to it. Small, steady changes build habits, and those habits lead to lasting results. Budgeting isn’t about perfection; it’s about progress.
What role does community play in your approach to work?
Community is everything. When my family first arrived in the U.S., we relied heavily on the support of others who had been through similar experiences. That sense of connection shaped me, and it’s something I bring to my work. I view my relationships with clients as partnerships. It’s not just about providing a service; it’s about working together toward a common goal. I also believe in giving back, whether through volunteering or helping clients who are just starting out.
What’s one misconception people have about budgeting?
Many people think budgeting is restrictive—that it’s all about what you can’t do or buy. I see budgeting as empowering. It’s a tool that helps you prioritize what really matters to you, whether that’s saving for a home, growing your business, or taking a family vacation. A good budget doesn’t limit you; it gives you the freedom to achieve your goals without the stress of financial uncertainty.
How do you help clients manage financial uncertainty, especially in volatile times?
The first step is creating a solid foundation. That means building an emergency fund, understanding cash flow, and identifying areas where expenses can be trimmed without sacrificing quality of life. I also encourage clients to think long-term, even when things feel unpredictable. Financial uncertainty can be scary, but having a plan—even a flexible one—helps you stay grounded. I remind my clients that the goal isn’t to predict the future; it’s to be prepared for it.
What keeps you motivated to help others with their budgets and taxes?
For me, it’s personal. I know what it’s like to feel overwhelmed by financial challenges and unsure of where to start. Helping others find clarity, confidence, and control over their finances is incredibly rewarding. Seeing a client go from stressed to empowered, knowing that I’ve helped make that possible, is what drives me every day. It’s not just about numbers; it’s about improving lives.
What’s one habit you’ve developed that helps you stay productive?
I’m a big believer in setting daily priorities. Every morning, I write down the top three things I need to accomplish that day, whether it’s meeting with a client, reviewing a complex tax situation, or simply following up on emails. This helps me stay focused and ensures that I’m always moving forward, even on the busiest days. It’s a simple habit, but it’s made a big difference in how I manage my time.
What do you enjoy most about your work?
The variety. No two days are the same, and every client brings a unique story and set of challenges. I love the problem-solving aspect of what I do—digging into the details, finding solutions, and helping people feel more confident about their financial future. And of course, the relationships I build with my clients are the most rewarding part. Knowing that they trust me with something as important as their budget or taxes means a lot.
How do you spend your downtime?
When I’m not working, I’m with my family. Whether we’re having a BBQ in the backyard or exploring a new area in San Diego, I cherish those moments. Cooking, especially grilling, is one of my favorite ways to unwind—it’s creative, relaxing, and always brings people together. It reminds me of what’s most important in life: connection and community.
Key Takeaways:
Andre Shammas views budgeting as an empowering tool for achieving life goals.
His immigrant background instilled a sense of adaptability and community that defines his work.
Andre prioritizes small, consistent steps to help clients build lasting financial stability.
