# Fee-Only Financial Advisor in Houston, Texas

Source: https://integrityfinancialplan.com/financial-advisor-houston
Last updated: 2026-09-28

Integrity Financial Planning is a fee-only, fiduciary financial advisor in Houston, TX. A CFA and a CPA/PFS, CFP® provide financial planning and Personal Index Portfolios with published fees and no commissions.


Integrity Financial Planning is an independent, fee-only registered investment adviser based in Houston. We meet clients across the Houston area and virtually across Texas, Louisiana, and beyond.

## Key takeaways

- Fee-only means we are paid only by clients; we accept no commissions or product incentives.
- Fees are 1.0% per year on the first $1 million invested, 0.85% from $1 million to $10 million, and financial planning is included as part of the investment management fee.
- We are registered with the Texas State Securities Board and the Louisiana Office of Financial Institutions (CRD 310974).

## Who this is for

- Houston-area families and professionals looking for a fiduciary who does not sell products
- People comparing "fee-only" versus "fee-based" advisors and wanting a straight answer
- Clients who want both a planner and a portfolio manager on the same small team

## Problems it solves

- Advisors whose compensation depends on what you buy
- Firms that publish no fees and require a call to learn them
- Planning and investing handled by different firms that do not talk

## What makes it different

Our fees are published on this site. We are compensated only by our clients, we act as fiduciaries at all times, and our two principals hold the CFA, CPA/PFS, CFP®, and RLP® designations between them.

## What we do

- [Financial planning](/services/financial-planning) for every client, developed by our team of financial professionals and included in the investment management fee.
- [Personal Index Portfolios](/services/personal-index-portfolios), a direct-indexing approach managed by a CFA charterholder, with optional active tax management for taxable accounts.
- [Tax planning for business owners](/services/tax-planning-for-business-owners): entity and exit structure, QSBS, retirement plan design, and depreciation decisions, coordinated with your CPA.

## Who we typically serve in Houston

[Retirees and pre-retirees](/who-we-serve/retirees-and-pre-retirees), [business owners](/who-we-serve/business-owners), [oil and gas professionals](/who-we-serve/oil-and-gas-professionals), [expats and cross-border families](/who-we-serve/expats-and-cross-border-families), and [values-based investors](/who-we-serve/values-based-investors).

## Our fees, in plain view

See the [fees page](/fees). Financial planning is included as part of the investment management fee, so there is no separate planning charge.

## Meet the team

[Todd Smurl, CFA](/about/todd-smurl) founded the firm after 30 years managing portfolios, including roles at Goldman Sachs Personal Financial Management, Compass Bank, and Bank of America's Private Bank. [Ryan Firth, CPA/PFS, CFP®, RLP®](/about/ryan-firth) leads planning and works closely with Houston CPAs.

[Schedule an introductory meeting](/schedule) or [contact us](/contact).

## Frequently asked questions

### What is the difference between fee-only and fee-based?

Fee-only advisors are paid solely by their clients. Fee-based advisors charge fees and can also earn commissions on products they sell. Integrity Financial Planning is fee-only.

### Are you a fiduciary?

Yes, at all times and for all advice. We are members of the Institute for the Fiduciary Standard and follow its Real Fiduciary™ practices.

### Do I need to live in Houston to work with you?

No. Most meetings are virtual. We are registered in Texas and Louisiana, and we can generally work with clients in other states and countries under de minimis rules; ask us about your location.

### Where can I verify your registration?

On the SEC's Investment Adviser Public Disclosure site under CRD 310974: [adviserinfo.sec.gov/firm/summary/310974](https://adviserinfo.sec.gov/firm/summary/310974).