Pijus Bulvinas, CFP®
Financial Planner for High-Earners in Their 30s and 40s | Fee-Only | Fiduciary
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Serving Clients Nationwide
Financial Planner for High-Earners in Their 30s and 40s | Fee-Only | Fiduciary
Areas of Focus
- Cash Flow
- Compensation Planning
- Financial Planning
- Investment Management
- Multi-Generational Wealth
- Retirement Income Planning
- Retiring Early (F.I.R.E)
- Tax-Efficient Planning
About Pijus Bulvinas, CFP®
Hello! I'm PJ, founder and lead planner at Wealth and Plan. I'm a CFP® professional with ten years experience in the financial planning industry, including time at Merrill Lynch and JPMorgan.We specialize in helping high-earning professionals and families in their 30s and 40s, especially those who want real guidance WHILE they're building their wealth, not only after.
Here's what sets us apart: Before starting Wealth and Plan, I served over 100 high and ultra-high net worth families, helping oversee $200 million+ in client assets at prior firms. Now I bring that same experience to an independent, fee-only firm built for people who are still in the building years.
If you have questions such as:
Am I saving enough, and in the right places?
What should I be doing with my bonus or company stock?
Am I getting the most out of my workplace benefits?
How do we balance the kids' future with our own goals?
How can I keep more of what I earn at tax time?
Then we may be a good fit.
The easiest first step is to schedule an intro call to get to know each other. If we're not the right fit, I'm happy to point you toward someone who is.
I look forward to meeting you!
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
-
Fee Only Network
- National Association of Personal Financial Advisors
- XY Planning Network
- National Association of Personal Financial Advisors
Primary Location
18643 Courteous Way Cypress, TX 77433
Video
Meeting Options
- Video Conference
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Percentage of Assets Managed
- Subscription
What to expect in the first meeting
Click the 'Book Intro Call' button above to watch a brief video to learn more about what to expect when working with us - from day one, and onward. Then schedule an introductory call using the scheduler to find a time that works best for you. I look forward to speaking with you!Offers Investment Management
Yes
About Wealth and Plan
Wealth and Plan is an independent, fee-only financial planning firm based in Houston, Texas, serving professionals and families in their 30s and 40s across the United States, with no asset minimums.Who We Serve
We work with high-earning professionals who value education, transparency, and real financial guidance while they're building their wealth — not only after. Clients can work with us wherever they are in the U.S., since Wealth & Plan operates as a fully virtual practice and meets with clients over video call at a time that works around their schedule.
Our Services
We offer two services: wealth management and ongoing financial planning. Some clients prefer to engage us in both, others choose one or the other.
Your financial plan is built to be actionable whether or not you choose to implement it with us. For investment management services, we handle day-to-day operations through our custodian, Charles Schwab.
Our work includes developing strategies around RSUs, PSUs, ESPPs, deferred compensation, and stock options; building retirement projections with stress-testing, distribution modeling, and withdrawal sequencing; implementing proactive annual strategies such as Roth conversions, tax loss harvesting, and asset location; and reviewing coverage across life, disability, and liability insurance.
Transparent Pricing
Pricing may be adjusted based on the complexity of the plan, which we always discuss upfront.
✅ Ongoing Financial Planning - annual fee ranges from $2,000 to $5,000. We also have monthly billing options if preferred, which range from $200/mo to $500/mo (for a 12-month engagement).
✅ Wealth Management - fees are tiered based on assets managed. Complete fee schedule is posted on the front page of our website.
We're fee-only, meaning we're paid directly by you and only you — we never earn commissions, referral fees, or incentives for recommending any product or investment, so our advice is never influenced by what pays us more.
Education
University of Houston, C.T. Bauer College of Business, Bachelor of Business Administration (B.B.A.), Finance
Hobbies and Interests
- Exercising
- Family
- Gardening
- Painting
- Sports
- Traveling
- Woodworking
SEC Lookup
View DisclosureWho We Serve
- Business Owners
- Corporate Executives
- Couples
- Dual Income Family
- Educators
- Engineers
- Families
- Financial Independence Retire Early (FIRE)
- Gen X
- Gen Y / Millennials
- High Net Worth
- Individuals
- Mid-Career Professionals
- Parents
- Pre-Retirees
- Technology Professionals
- Travel Lovers
- Young Families
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