About Us

Integrity Financial Planning provides financial planning and personal index portfolios for individuals, families and business owners.

As an independent, fee-only fiduciary, we offer transparency and the experience to guide you in your financial journey.

As a virtual firm, we do not meet clients in a traditional office space. We work from our home offices and engage with clients in secure, on-line environments using video conferencing and secure file sharing.

Houston is home for us, but as long as you have a device that can connect to the internet, we are not bound by geography.

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

Todd Smurl

For the past 25 years I have been at the forefront of change in the wealth management industry, embracing new investment themes, tax management strategies, and technology. I love innovation that challenges the status quo to the benefit of clients.

Career Highlights

As an executive at Compass Wealth (now part of PNC Bank), I developed one of the first multimanager managed account platforms in the country (SmartPath^tm), combining asset management strategies and client personalization in a single account.

For over ten years I have provided management consulting services to dozens of wealth management firms around the country including firms that are now part of US Bank, Truist Financial, and City National Bank - an RBC Company, implementing systems and procedures to drive greater adoption of personalized portfolios.

In late 2020, at the height of the pandemic, advances in innovative technologies, particularly trading software, fractional share accounting systems, and the collapse of trading costs, led me to believe the time was right for widespread adoption of Direct Indexing – the application of personalized portfolios on baskets of stocks designed to track an index such as the S&P 500.

Integrity Financial Planning

These industry developments led directly to the creation of Integrity Financial Planning, LLC, an RIA dedicated to providing personalized portfolios and financial planning services for individuals, families and their wealth transfer entities.

Education/Credentials

I received a BBA in Business Administration from the University of Central Arkansas and went on to graduate with an MBA from the University of Arkansas, Little Rock. I hold the CFA designation and am a member of the CFA Society Houston.

Personal

I wasn’t born in Texas, but as the saying goes, I got here as fast as I could. My daughter is in Austin starting her career in technology and my son is in Houston working toward a degree in Construction Management. I’m an avid reader of non-fiction including histories, biographies, and anthropology. When I have the time I enjoy recreational tennis.

Ryan Firth Photo

Ryan Firth

CPA/PFS, CFP®, RLP®, CCFC, GFP (USA)

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.

Education/Credentials

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

Personal

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.