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About Us

"Your Trusted Partner for Comprehensive Financial Planning and Personal Index Portfolios"

Our mission is to provide our clients with personalized, objective, and comprehensive financial planning and wealth management services that help them achieve their financial goals while adhering to the highest ethical standards.

With over 50 years of combined experience in the financial services industry, our team holds an array of certifications, including Certified Financial Planner (CFP), Chartered Financial Analyst (CFA), and Certified Public Accountant (CPA) designations. We specialize in retirement planning, investment management, tax and estate planning, tailoring our services to meet each client’s unique needs.

We are a fee-only financial planning firm, which means we are compensated solely by our clients, not by commissions or incentives from product sales. This model ensures transparency, objectivity, and alignment of interests, allowing us to provide unbiased advice that is focused solely on helping our clients achieve their financial goals.

As fiduciaries, we are legally bound to always act in the best interests of our clients. This commitment sets us apart from other financial advisors who may prioritize their own interests or those of their employers. We uphold the fiduciary standard by avoiding conflicts of interest, providing unbiased advice, and continuously monitoring our client’s financial plans to ensure they remain on track to achieve their goals.

Integrity Financial Planning is independent, free from any outside influence or pressure from investment companies or insurance providers. This independence allows us to provide our clients with a customized approach to financial planning, selecting the best solutions and strategies based on their needs and objectives.

We bring a wealth of knowledge and expertise to every client relationship. With backgrounds in financial planning, investment management, and tax planning, we are well-equipped to help you navigate the complexities of your financial life.

Our Commitment To You

We are a proud member of the Institute for The Fiduciary Standard. Our business is built around providing services, not selling products. We do not accept commissions for products you purchase as a result of your financial plan or investment portfolio. When you hire us to help manage your financial future, we become your partner. Our role is to create and manage your financial plan, keeping you informed each step of the way.

Meet Our Team

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Todd Smurl


Hi there! I'm Todd, portfolio manager and founder of Integrity Financial Planning. With 30 years of experience in financial services, I'm passionate about helping successful professionals, business owners, and high-net-worth families achieve their financial goals.  

I've held various positions with successful companies throughout my career, including Senior Wealth Advisor at Goldman Sachs Personal Financial Management, Chief Investment Officer at Compass Bank (Now part of PNC Financial), and Senior Portfolio Manager at The Private Bank at Bank of America. These roles have allowed me to hone my skills and expertise in portfolio management, ultimately leading me to create Integrity Financial Planning.  

As the founder of Integrity Financial Planning, I aim to provide comprehensive financial planning services and personal index portfolios tailored to each client's unique needs. I believe a personalized approach is the key to financial success, and I'm committed to helping my clients make informed decisions about their financial future.  

I hold a B.A. from the University of Central Arkansas and an MBA from the University of Arkansas at Little Rock. I'm also a proud member of the CFA Institute and the CFA Society of Houston.  

When I'm not immersed in finance, you can find me on the tennis court or hitting the slopes for some snow skiing. I believe that a well-rounded life allows me to connect with my clients personally, making the financial planning process an enjoyable and collaborative experience.  

If you're looking for a financial advisor who genuinely cares about your financial well-being, I'd be thrilled to help you navigate your financial journey. Contact me today, and let's work towards a brighter financial future together! 

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Ryan Firth


If you're like most of us, you probably find yourself being pulled in many different directions; there are so many competing forces for your time and energy. My job at Integrity Financial Planning is to help you to filter out the noise to identify what's most important and meaningful to you so that you can live your most fulfilled life. We then help you align your finances with your life goals through the financial planning process.

Career Highlights

I am curious about blockchain technology, and the constantly expanding cryptocurrency market. I have been following the growth in this segment since 2015; I enjoy sharing what I know with clients and learning from them. I have served as an Associate Director of the Houston Blockchain Alliance, and I have completed certification in the AICPA’s Blockchain Fundamentals for Accounting and Finance Professionals course.

My passion for personal finance also allows me the opportunity to volunteer with the Foundation for Financial Planning to provide pro bono services to individuals and families battling cancer. I am proud to have received the Houston CPA Society’s Rookie of the Year award in 2018 and TXCPA Houston’s Member in Industry award in 2021 for contributions to the Society, as well as being a member of TXCPA Houston’s Board of Directors from 2020 until 2022.

In 2001, I started my career in public accounting at Ernst & Young in New York City and London, working in the firm's Financial Services Office industry segment.

Integrity Financial Planning

I joined Integrity Financial Planning because I believe it is a unique firm that stands out from all other investment advisory firms. Very few firms can offer the breadth of services that Integrity can: namely, life-centered financial planning with cutting-edge personal portfolio construction that is tailored for folks from all walks of life.


I hold a BS in Business Administration – Finance, and an MS in Accounting, from the University of Colorado - Boulder.

I am also an active member of the following organizations:

  • AICPA Personal Financial Planning Section
  • Fee-Only Network
  • Garrett Planning Network
  • Global Financial Planning Institute
  • Kinder Institute of Life Planning
  • PlannerDAO
  • TXCPA Houston


I entered college as a psychology major with the intention of going to medical school, but switched majors once I took one week of organic chemistry. So I have a deep admiration for all the schooling, training, and personal sacrifices doctors have been through to get to where they are now. Even though I will never get to practice medicine, I do get the opportunity to draw upon the field of psychology in the work that I do for clients, which is kinda cool.

I live in Houston with my family. In what little free time I have between working and raising three young children with my wife, I enjoy the discovery of genealogy, the strategy of chess, and the statistics of roto-style fantasy baseball.