Independent · Fee-only · Fiduciary · Houston, TX
Integrity Financial Planning is a fee-only fiduciary firm in Houston. A CFA charterholder and a CPA/PFS, CFP® professional work together on your planning, your Personal Index Portfolio, and the taxes in between.
Investment management
1.0%/yr
On the first $1 million; 0.85% above that.
Financial planning
Included
Part of the investment management fee. No separate planning charge.
Introductory meeting
Free
No obligation, by video or in person.
Commissions
None
Fee-only. Paid only by our clients.
What we do
Comprehensive planning available to every client, built around measurable results: retirement income you can count on, a lower lifetime tax bill, and recommendations tracked to completion.
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Low-cost indexing and your personal values in one portfolio of individual stocks and ETFs, managed by a CFA, with optional active tax management for taxable accounts.
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Entity and exit structure, QSBS, retirement plan design, and depreciation decisions made years before a sale, led by a CPA/PFS who works alongside your CPA.
Learn more →Why Integrity
Most firms give you either a planner or a portfolio manager. At Integrity you get both: Todd Smurl, CFA has spent 30 years managing portfolios for banks and wealth-management firms, and Ryan Firth, CPA/PFS, CFP®, RLP® brings tax and financial planning. Neither of us sells products or takes commissions, so the only thing we are paid to do is give you good advice. We do tax planning, not tax preparation: we are not a CPA firm and we coordinate with your tax preparer rather than replacing them.
We are members of the Institute for the Fiduciary Standard and publish our fees on this site.
Insights
The 2025 tax law made 100% bonus depreciation permanent for property acquired after January 19, 2025. What that means for cost segregation, and why the recapture math still decides whether a study pays.
How Section 1202 QSBS can exclude up to $15 million of gain on a C-corporation sale, what the 2025 tax law changed (tiered 3-, 4-, and 5-year exclusions, $75 million asset cap), and why the clock must start years before an exit.
Discover how mid-sized businesses use Section 831(b) Captive Insurance to deduct uninsured risks, save on taxes, and build a resilient safety net.
Start with a free introductory meeting. Schedule one online or contact us and we'll discuss your situation, what you need, and whether we're a fit. There is no obligation.
Yes, at all times. We are a fee-only registered investment adviser and a member of the Institute for the Fiduciary Standard. We are compensated only by our clients and accept no commissions or product incentives.
Fee-only means the only money we earn comes from our clients, as advisory fees or planning fees. Fee-based advisors also earn commissions on products. We are fee-only.
Personal Index Portfolios are billed at 1.0% per year on the first $1 million, 0.85% on assets over $1 million up to $10 million, and a negotiable rate above $10 million. Financial planning is included as part of the investment management fee; there is no separate planning charge. Full details are on the fees page.
A free introductory meeting, no obligation. Financial planning is included as part of the investment management fee, so there is no separate planning charge.
