Fiduciary | Fee-Only | Human
Financial Planning for High-Earners in Their 30s and 40s.
Personalized financial guidance for professionals navigating careers, family, and what’s next.
Our Custodian:
Our Custodian
OUR CUSTODIAN
Our Areas of Expertise.
We believe in a comprehensive approach that includes…
Our Areas of Expertise.
We believe in a comprehensive approach that includes…
Cash Flow Planning
We analyze your income, savings rate, and spending patterns to ensure every dollar is allocated with purpose and aligned to your financial plan.
02Investment Planning
We construct and manage a diversified portfolio through strategic asset allocation and asset location, optimizing for long-term growth and tax efficiency.
03Compensation Planning
We develop strategies around RSUs, PSUs, ESPPs, deferred compensation, and stock options, addressing concentration risk, taxation, and distribution timing.
04Retirement Planning
We build retirement projections with stress-testing, distribution modeling, and withdrawal sequencing to determine your retirement readiness.
05Tax Planning
We implement proactive strategies annually, including Roth conversions, tax loss harvesting, and asset location to minimize your lifetime tax liability.
06Risk Planning
We review your coverage across life, disability, and liability to identify gaps and ensure your protection strategy matches the wealth you are building.
Yup, there’s quite a few financial planners out there. You may be wondering
What Makes Us Different?
No asset minimums.
Fee-only (no hidden commissions).
Up-to-date technology.
Direct text and call access to reach your advisor quickly
Specialized in helping wealth accumulators in their 30s and 40s.
High quality service for everyone. No questions asked.
Accountability partner via regular ongoing check-ins.
….but most importantly…
We put your best interests first.
Hi there! My name is Pijus, but you can call me PJ.
I created Wealth & Plan to serve young professionals that value education, transparency, and real guidance WHILE you’re building your wealth, not only after.
Our Pricing
Full Transparency. No surprises.
Ongoing Financial Planning
Ongoing Financial Planning
BILLED ANNUALLY OR MONTHLY
BILLED ANNUALLY OR MONTHLY
You'll learn how your money works, why decisions matter, and how it all fits together.
You'll learn how your money works, why decisions matter, and how it all fits together.
$2,000/year*
$2,000/year*
Ongoing Planning Essentials:
Ongoing Planning Essentials:
✓ Personalized Financial Plan
✓ Real-Time Net Worth Statement
✓ Quarterly Check-Ins
✓ Unlimited Access In Between
✓ Personalized Financial Plan
✓ Real-Time Net Worth Statement
✓ Quarterly Check-Ins
✓ Unlimited Access In Between
* Pricing may be adjusted based on the complexity of the plan, which we will always discuss upfront. Max annual fee is $6,000.
* Pricing may be adjusted based on the complexity of the plan, which we will always discuss upfront. Max annual fee is $6,000.
Wealth Management
BILLED MONTHLY
Evidence-based investment philosophy so you don't have to stress over every news headline.
Wealth Management
Schedule Below
Annual Fee Based On Assets Under Management:
BILLED MONTHLY
Evidence-based investment philosophy so you don't have to stress over every news headline.
We never earn commissions or other undisclosed fees.
Schedule Below
Annual Fee Based On Assets Under Management:
We never earn commissions or other undisclosed fees.
We understand that you’re busy. That’s kind of the point.
We understand that you’re busy. That’s kind of the point.
Every step in our process was created with you in mind. Learn how we put it to work.
Every step in our process was created with you in mind. Learn how we put it to work.
Every step in our process was created with you in mind. Learn how we put it to work.
Common Questions.
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Fee-only means we're paid directly by you and only you. We don't earn commissions, referral fees, or incentives for recommending any product or investment. That means our advice is never influenced by what pays us more. You'll always know exactly what you're paying and why.
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Both! We offer standalone comprehensive financial planning as well as ongoing wealth management for clients who want us to manage their investment accounts too. Your financial plan is built to be actionable whether or not you choose to implement with us, but if you do, we handle the day-to-day investment management through our custodian, Charles Schwab.
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Yes! Wealth & Plan is a fully virtual practice, so we can work with you wherever you are in the U.S. We meet over video call at a time that works around your schedule. That said, if you're local to the Houston area, we're always happy to meet in person!
Wealth and Learn
Featured Article
Wealth Transfer Planning 101: What High Earners Need to Know
Client Testimonials
What Our Clients Are Saying
These testimonials were provided by current or former clients of Wealth and Plan. No compensation was provided in exchange for these testimonials, and no known conflicts of interest exist. The reviews displayed are not representative of the experience of all clients. To read all reviews for Wealth and Plan, visit our profile on Wealthtender.