Wealth & Plan is a fee-only, fiduciary financial planning practice based in Houston, Texas, serving high-earning professionals and families in their 30s and 40s across the United States through virtual meetings. Founded by Pijus “PJ,” the practice offers personalized, people-first guidance for clients building wealth and balancing careers, family, and future goals. Its services include standalone comprehensive financial planning and ongoing wealth management, with no asset minimums and transparent fees.

Planning covers cash flow, investments, compensation such as stock awards and options, retirement, taxes, risk protection, education, and beneficiary and estate coordination. Clients receive a personalized financial plan, and those choosing wealth management can have investment accounts managed through Charles Schwab. The investment approach emphasizes global diversification, evidence-backed strategies, risk-based allocation, and emotional discipline.

Wealth & Plan also provides direct access to an advisor by text or phone and explains financial decisions in clear, practical terms. The firm earns no commissions, referral fees, or undisclosed incentives, and builds plans clients can act on whether or not they engage its investment management services