Ryan Firth


Mercer Street Company

Founder & President

Ryan Firth


Mercer Street Company

Founder & President

We're unlike any other #FeeOnly #Fiduciary #FinancialPlanner you’ll ever encounter; we're not your traditional "financial advisor" or "wealth manager." We can work with you wherever you're at in life, however, we find that our services tend to cater to business owners, young professionals and growing families in the wealth building phase of their lives. Unlike most wealth management firms, we do not have account minimum requirements. - Ryan Firth, CPA/PFS, CCFC

Mercer Street, which was founded by Ryan Firth, is an independent financial planning and investment advisory firm located in Houston, TX, serving clients locally and across the country. Services are offered on an hourly basis.

Mercer Street was born from the personal experiences of its founder, Ryan. In the course of two years, Ryan got married, welcomed a new addition to the family, bought his first home, and formed a company. Mercer Street assists professionals and small businesses in managing their financial concerns, because we understand that life can get complicated pretty quickly. We're here to help you address the financial complexities in your life; we call it "planning for life."​

For better or worse, the rate of technological change is growing exponentially. At Mercer Street, we try to keep up with the latest innovations in financial technology (“fintech”) and apply them to our business practices so that we can serve our clients more efficiently, effectively, and at a competitive price. Although technology is an integral component of serving our clients and managing our practice, we do understand that human interactions are the most important aspect of any service business.

Hi, I'm Ryan. I've spent nearly two decades working as a financial consultant to businesses in various industries--a majority of that time has been in the financial services industry. I now draw upon those professional and personal experiences to help clients address their unique financial concerns.

I was born in Texas, but I've lived in many places during my life. I started my career at Ernst & Young LLP and most recently I was a contract consultant at Sirius Solutions LLLP. I decided to transition to financial planning because I enjoy helping people, as well as all things personal finance-related. The other reason I started Mercer Street Personal Financial Services is because I believe there's an underserved market out there looking for sound, objective advice from a qualified professional who isn't looking to sell you a financial product or will only work with you based on how much money you have to invest. (That was my experience when I was looking for a financial advisor to help me with my personal finances, anyway). A founding principle of the AICPA Statement on Standards in Personal Financial Planning Services and the CPA Code of Professional Conduct is “always acting in the best interest of the client,” an exceptionally important factor in selecting a financial planner.

Here are my designations and associations: American Institute of Certified Public Accountants (AICPA) Personal Financial Specialist (PFS), Certified College Financial Consultant (CCFC). Certificant of AICPA's Blockchain Fundamentals for Accounting and Finance Professionals, Member in good standing of the AICPA's Personal Financial Planning (PFP) Section, Texas Society of CPAs (TXCPA), and active member and volunteer with Houston CPA Society's CPAs Helping Schools Committee and PFP Committee. I received the Houston CPA Society's Rookie of the Year award in 2018 for my contributions to the society. I am also a member of Garrett Planning Network and the Financial Planning Association. I am a volunteer with the Foundation for Financial Planning to provide pro bono financial planning services to individuals and families battling cancer.

I am an Associate Director at the Houston Blockchain Alliance.

Here's my educational background: B.S. in Business Administration with an area of emphasis in Finance and M.S. in Accounting, University of Colorado - Boulder

We provide Personal Financial Services (such as financial planning and investment advice), Business Consulting, and Tax Services. We specialize in working with clients who are involved in blockchain technology such as cryptocurrencies.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive, Holistic Financial Planning
  • Cash Flow and Debt Management Planning
  • Tax Planning
  • College Education Planning
  • Investment Advice
  • Virtual Currencies (a.k.a., Cryptocurrencies)
  • Hourly Planning
  • Business Consulting

Ideal Clients

  • Professionals Accumulating Wealth
  • Business Owners
  • Growing Families
  • Sudden Money Situations
  • Novice Investors
  • Tech Savvy, Early Adopters
  • Do-It-Yourselfers (DIY)

Working Together

  • You Speak 80% of the Time During Our Meetings and We Deeply Listen 100% of the Time
  • You're the Chief Executive Officer (CEO) and We're Like Your Personal Chief Financial Officer (CFO)
  • Complimentary Initial Consultation
  • Clearly Defined Fees and No Product Sales
  • Virtual or In-Person Meetings, whichever you prefer

Professional Designations & Affiliations

  • CPA - Certified Public Accountant
    Ryan Firth is a Certified Public Accountant (Learn More)

    Certified Public Accountants are licensed by the state and authorized by the state to practice public or private accounting. CPA licensing requirements are state specific, but typically include a bachelors degree with additional accounting coursework, successful completion of the Uniform CPA Exam, work experience, successful completion of an approved ethics course, and ongoing continuing education.

  • CPA/PFS - Personal Financial Specialist
    Ryan Firth is a Personal Financial Specialist (PFS)

    The Personal Financial Specialist (PFS) credential is granted solely to CPAs (Certified Public Accountants) with considerable personal financial planning education and experience. All areas of personal financial planning—including estate, retirement, investments and insurance—have tax implications, and the PFS professional has the experience, ethics, and expertise to get the job done right.

  • Garrett Planning Network - GPN
    Ryan Firth is a member of the Garrett Planning Network. Click here to learn more.

    Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.

Contact Ryan Firth

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Office Locations:

  • 6750 West Loop S., Suite 725
    Bellaire, TX 77401

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