Julia Lilly
Advice-only planning for families and individuals seeking unbiased guidance on investments, taxes, equity compensation, education savings and retirement.
Ryerson Financial · Houston, Texas
Julia Lilly is a fee-only financial advisor at Ryerson Financial in Houston, Texas, who holds the CFP and MBA credentials. Julia charges a one-time planning fee and hourly fees (one-time plans from $4,000 and $250 an hour) and focuses on tax planning and flat-fee planning.
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Specialties
Who they serve
- High earners
- Pre-retirees
About
Julia Lilly is the founder of Ryerson Financial, an advice-only planning practice. She works with families and individuals who have had trouble finding unbiased financial advice, and she wants to make planning easier for them to reach.
Many of Julia's clients earn more than $200,000 a year and want their financial priorities to fit into a larger plan. Some want to understand their own money mindset or give their investment strategy a tune-up. Others are weighing how to save for their children's education, checking whether the right pieces are in place for retirement, or trying to make sense of equity compensation.
She also helps with tax strategy, with estate and insurance planning for clients who have little in place, and with finding a simple way to start tracking monthly and annual spending.
Facts
| Firm | Ryerson Financial |
|---|---|
| Based in | Houston, Texas |
| Fee model | One-time planning fee · Hourly |
| Fees (firm's website) | One-time plans from $4,000 · $250 an hour |
| Fees (Advice-Only Network profile) | One-time plans $4,000 · $300 an hour |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Credentials | CFP · MBA |
| SEC registration | Investment adviser representative in CO, TX · CRD 5361405 |
| Exams passed | Series 66 (2008) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | ryersonfinancial.com |
| Profile |
How Julia's firm compares
- A one-time plan starts at $4,000, above the Texas median of $1,575 for fee-only firms that publish prices.
- The hourly rate is $250, in line with the Texas median of $250 for fee-only firms that publish prices.
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Questions about Julia
Is Julia Lilly a fee-only financial advisor?
Yes. Julia Lilly is listed in the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Julia's firm.
How does Julia charge for financial advice?
Julia charges a one-time planning fee and hourly fees.
How much does Julia charge?
According to Ryerson Financial's website, checked October 28, 2026: one-time plans from $4,000; $250 an hour.
Does Julia work with clients virtually?
Yes. Ryerson Financial says on its website that it works with clients remotely.
Where is Julia Lilly based?
Julia Lilly is based in Houston, Texas.
What does Julia specialize in?
Julia's specialties include tax planning and flat-fee planning. Julia works with high earners and pre-retirees.
What credentials does Julia Lilly hold?
Julia Lilly holds the CFP and MBA credentials.
Is Julia Lilly registered with the SEC?
Yes. Julia Lilly is registered as an investment adviser representative in CO and TX (CRD 5361405), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Julia Lilly?
Through Julia's website, ryersonfinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Houston
Other advisors in Texas who focus on tax planning
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Advice-Only Network listing : advice-only practices, no product sales
- Ryerson Financial website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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