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Hourly · Fee-only · Houston, TX
Financial and tax planning for families with complex lives
Mercer Street is an hourly, fee-only planning firm led by a CPA/PFS and CFP®. We coordinate your taxes, investments, business and estate decisions into one plan — and we publish exactly what it costs.
- CPA/PFS
- CFP®
- Fiduciary
- No commissions
Founder
Published fees
- Financial plan
- $5,000
- Implementation
- $450/hr
- Ad hoc planning
- $600/hr
- Asset minimum
- None
Flat fee for a personalized plan.
Putting the plan into action with you.
2-hour ($1,200) minimum.
Keep your accounts where they are.
Who we work with
Planning built for complicated situations
01
Business owners
Entity choice, owner compensation, cash reserves, and planning years ahead of a sale or liquidity event.
Learn more →02Professionals with international lives
Cross-border planning for non-U.S. persons living in the U.S. and Americans with ties abroad.
Learn more →03College-bound families
Funding education without derailing retirement, coordinated with your tax picture.
Learn more →Houston is home, but we work virtually with clients across the United States and abroad.
Why Mercer Street
Why work with a CPA financial planner?
A founding principle of the AICPA Statement on Standards in Personal Financial Planning Services and the CPA Code of Professional Conduct is to "always act in the best interest of the client."
As a fee-only financial advisor in Houston, we are fiduciaries. We state our fees clearly and upfront, we do not accept commissions, and we do not sell products. Our pricing is set up to be fair, logical, and transparent, so our interests stay aligned with yours.
What a plan can cover
- Life planning: deciding where you want to go and aligning your finances with it
- Tax planning for the life and business decisions you make
- Investment and retirement income planning
- Estate and wealth-transfer planning
- Risk management for property damage, disability, and untimely death
- Employer and business benefit optimization
- Asset protection from creditors and litigants
- Identity protection and cybersecurity practices
- College planning
- Cross-border planning
- Answers to financial questions as they come up
Insights
Recent writing
Your Child Already Has a Trump Account: What Houston Parents Should Do Next
Treasury just opened a Trump Account for nearly every child with an SSN. Here's how to claim it, get the $1,000 seed money, and whether to add your own savings.
Year-End Tax Planning Checklist for Houston Families and Business Owners (2026)
A practical 2026 year-end tax checklist for Houston families and business owners: income timing, 401(k) and Roth moves, RMDs and QCDs, charitable giving under the new rules, and more.
As quoted in
- Cointelegraph
- BestMoney.com
- TheTaxAdviser.com
- TheStreet.com
- MSN.com
- Houston Chronicle
- GOBankingRates.com
- MyMoneyChronicles.com
- ETF.com
- Medium.com
Talk through your situation with a CPA and CFP®
Comprehensive plans are $5,000, implementation is $450 per hour, and there are no asset minimums or commissions.