The U.S.–Canada Cross-Border Financial Planning Guide for 2026–2027
Moving between the U.S. and Canada? A 2026–2027 guide to tax residency, departure tax, RRSPs, TFSAs, Roth IRAs, FBAR, estate planning and insurance.
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®. Bring the questions and decisions in front of you, whether they're about your taxes, investments, business or estate, and we'll work through them together. We publish exactly what it costs.
- CPA/PFS
- CFP®
- Fiduciary
- No commissions
Founder
Published fees
- Fit meeting
- Free
- 20 minutes by video or phone.
- Hourly rate
- $600/hr
- Planning, tax and investment advice. Tracked by the minute.
- Minimum
- 2 hours
- $1,200 per engagement.
- 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 we can help with
- Answers to financial questions and decisions as they come up
- Clarifying what you want your money to do, and aligning your finances with it
- Tax planning, including finding savings in your return
- Portfolio second opinions and retirement projections
- 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
Insights
Recent writing
Do Employers Have to Report Overtime on the 2026 W-2? What Houston Business Owners Should Do Before Year-End
Starting with 2026 W-2s, employers must report qualified overtime in box 12, code TT, with no penalty relief. What to check before the Feb. 1 deadline.
What Are the 2027 Tax Brackets? What the New IRS Numbers Mean for Your Year-End Plan
The IRS released the 2027 tax brackets: the 24% bracket now runs to $416,650 for couples. Here's what changed and how to use it before December 31, 2026.
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®
Planning, tax and investment advice is $600 per hour with a 2-hour minimum, and the 20-minute fit meeting is free. No asset minimums or commissions.