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.

Schedule a consultationServices and fees
  • CPA/PFS
  • CFP®
  • Fiduciary
  • No commissions
Ryan Firth, CPA/PFS, CFP®, founder of Mercer Street
Ryan Firth, CPA/PFS, CFP®
Founder

Published fees

Financial plan
$5,000
Flat fee for a personalized plan.
Implementation
$450/hr
Putting the plan into action with you.
Ad hoc planning
$600/hr
2-hour ($1,200) minimum.
Asset minimum
None
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 →02

Professionals with international lives

Cross-border planning for non-U.S. persons living in the U.S. and Americans with ties abroad.

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College-bound families

Funding education without derailing retirement, coordinated with your tax picture.

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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
How engagements work →

Insights

Recent writing

All articles →

As quoted in

  • Cointelegraph
  • BestMoney.com
  • TheTaxAdviser.com
  • TheStreet.com
  • Houston Chronicle
  • GOBankingRates.com
  • MyMoneyChronicles.com
  • ETF.com
  • Medium.com
  • Fortune.com
See all 32 media mentions →

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.

Schedule a consultationSee services and fees