What Happens to Your Opportunity Zone Deferred Gain on December 31, 2026?
Deferred a capital gain into a Qualified Opportunity Fund? The tax comes due on your 2026 return. What gets taxed, what survives, and how 2027 rules differ.
Hourly · Fee-only · Houston, TX
Financial and tax planning for families with complex lives
Mercer Street is an hourly, fee-only planning firm led by a CPA/PFS and CFP®. We coordinate your taxes, investments, business and estate decisions into one plan — and we publish exactly what it costs.
- CPA/PFS
- CFP®
- Fiduciary
- No commissions
Founder
Published fees
- Financial plan
- $5,000
- Flat fee for a personalized plan.
- Plan clients
- $450/hr
- Our best rate, for implementation and ongoing advice after a plan.
- Limited-scope advice
- $600/hr
- No plan required. 2-hour ($1,200) minimum.
- Asset minimum
- None
- Keep your accounts where they are.
Who we work with
Planning built for complicated situations
01
Business owners
Entity choice, owner compensation, cash reserves, and planning years ahead of a sale or liquidity event.
Learn more →02Professionals with international lives
Cross-border planning for non-U.S. persons living in the U.S. and Americans with ties abroad.
Learn more →03College-bound families
Funding education without derailing retirement, coordinated with your tax picture.
Learn more →Houston is home, but we work virtually with clients across the United States and abroad. See what an engagement looks like in three case studies →
Why Mercer Street
Why work with a CPA financial planner?
A founding principle of the AICPA Statement on Standards in Personal Financial Planning Services and the CPA Code of Professional Conduct is to "always act in the best interest of the client."
As a fee-only financial advisor in Houston, we are fiduciaries. We state our fees clearly and upfront, we do not accept commissions, and we do not sell products. Our pricing is set up to be fair, logical, and transparent, so our interests stay aligned with yours.
What a plan can cover
- Life planning: deciding where you want to go and aligning your finances with it
- Tax planning for the life and business decisions you make
- Investment and retirement income planning
- Estate and wealth-transfer planning
- Risk management for property damage, disability, and untimely death
- Employer and business benefit optimization
- Asset protection from creditors and litigants
- Identity protection and cybersecurity practices
- College planning
- Cross-border planning
- Answers to financial questions as they come up
Insights
Recent writing
The College Planning Guide for High-Income and High-Net-Worth Families (2026)
How high-income Houston families pay for college in 2026: 529 superfunding, Texas 529 plans, Coverdells, UTMAs, Roth IRAs, trusts, the new FAFSA rules, Parent PLUS caps and strategies for grandparents and business owners.
Should You Buy Equipment Before Year-End? 2026 Bonus Depreciation and Section 179 for Houston Business Owners
How 100% bonus depreciation and the $2.56 million Section 179 limit work in 2026, the placed-in-service deadline, vehicle rules, and when buying doesn't pay.
As quoted in
- CNBC.com
- Cointelegraph
- BestMoney.com
- TheTaxAdviser.com
- TheStreet.com
- Houston Chronicle
- GOBankingRates.com
- MyMoneyChronicles.com
- ETF.com
- Medium.com
Talk through your situation with a CPA and CFP®
A comprehensive plan is $5,000, with our best rate of $450 per hour afterward. Limited-scope advice without a plan is $600 per hour with a 2-hour minimum. No asset minimums or commissions.