Hi there! 👋 Allow me to introduce you to my firm, Wealth and Plan. First of all let's clear up the type of people that we do best work for: - High Earning Professionals and Families in Their 30's and 40's. __________ Now that we've got that out of the way, here's my best attempt at a "short" backstory: I decided to become a financial planner the day my parents were turned away by a financial advisor for not meeting the firm's underlying asset minimum. This led me to study Finance with a focus in personal financial planning at the University of Houston (Go Coogs!). While there, I ended up interning with the same company that turned my parents away... 🫠 After graduating college, I joined Merrill Lynch and hit my first crossroad: Do I go all in and become a financial advisor (at a young age of 22 😅), or do I learn the industry inside out before making the jump? __________ I chose the latter and invested the next 8 years split between Merrill Lynch, JPMorgan and a boutique financial planning firm, where I: - Became a CERTIFIED FINANCIAL PLANNER® - Served as the client service advisor for 300+ high and ultra-high net worth families - Served as the portfolio manager overlooking $200 million+ in client assets - Served as a financial planner, building 30+ comprehensive financial plans focused on retirement planning, investment planning, estate planning, and much more. __________ Then, in January 2026, I took a big leap of faith and left a steady paycheck, fully paid benefits, and a lucrative career that many dream of... In February 2026, Wealth and Plan was born with a simple goal in mind: - Make financial planning more approachable So, if you’re a young family or a professional in your 30’s or 40’s and think that finding a financial planner or advisor is a bit intimidating, we may be the right fit. We pride ourselves on three core values: - Education - Transparency - Real guidance WHILE you're building your wealth, not only after You can find a whole bunch more about us on our website: https://www.wealthandplan.com And, if you've made it this far and are unsure whether or not we’re the right firm for you, feel free to reach out! I’m always happy to chat. If we are not the right fit, that's okay. We are more than happy to recommend a different planner or provide some resources based on your situation 😊

Matthew Edgar is a CFA® charterholder with 14 years of industry experience. He is a principal of Edgar Investment Management, LLC in Houston, TX, and previously served as a managing partner at Edgar and Edgar CPAs LLC, providing accounting and tax services. Outside of his advisory work, he owns and manages a short-term rental business. Edgar Investment Management provides financial planning and discretionary portfolio management to individuals, including high-net-worth clients, as well as institutional and business portfolios. The firm’s investment approach centers on fundamental analysis and strategic asset allocation, incorporating tax considerations into portfolio construction and planning.

Christopher Szalay is the sole advisor at Wiseowl Capital, LLC, an independent firm based in The Woodlands, TX. He holds the Series 66 designation and has 16 years of industry experience. Since founding Wiseowl Capital in 2013, he has also operated Find Me Value Investment Research, LLC, an online subscription service that provides investment research. Wiseowl Capital serves a small number of individual clients, trusts, estates, and business entities, offering personalized portfolio management and financial planning. The firm’s investment approach emphasizes fundamental analysis and long-term buying, using options primarily for hedging, with regular account monitoring and rebalancing.

Joshua Humada is a financial advisor with Money Holistics in Houston, TX, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Edward Jones and Northwestern Mutual. In addition to his advisory work, he provides financial coaching services through a separate entity, MoneyYogi LLC. Money Holistics is an independent firm serving individuals, high-net-worth clients, trusts, estates, and businesses with discretionary investment management and financial planning. The firm employs a long-term investment approach using fundamental and technical analysis and integrates ongoing planning with portfolio management.

Anthony Montano is a financial advisor at Rosman Asset Management, LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Rosman Asset Management since 2019. Montano also serves as the CFO of Yofumo Technologies, Inc. since 2019. Prior to his current roles, he was with The Mitchell Group, Inc. from 2011 to 2019. Rosman Asset Management provides discretionary portfolio management and financial consulting to individuals, trusts, estates, and businesses. The firm focuses on customized investment programs based on fundamental analysis with a generally long-term orientation, maintaining continuous client contact and bespoke asset allocation under discretionary authority.

Robert Simpton is a CFP® with 23 years of industry experience, currently serving as an advisor at Redfish Capital. His career includes roles at SCF Securities, WFG Advisors, and as a sole proprietor since 2002. Outside of his advisory work, he is a notary public. Redfish Capital provides discretionary asset management, financial planning, and ERISA 3(21) retirement plan advisory services to individuals, high-net-worth clients, and business entities. The firm uses a combination of fundamental, technical, and cyclical analysis to tailor portfolios to client goals, coordinating closely with clients’ other professional advisors.

Aaron Freeman is a ChFC® and Series 65-registered advisor with 17 years of industry experience. He is currently a principal at Freeman & Freeman Private Wealth Management LLC, where he has worked since 2023. Freeman also has ties to Oak River Insurance Group LLC and Oak River Financial Group Inc., reflecting a background that includes both financial planning and insurance services. Freeman & Freeman Private Wealth Management provides discretionary asset management, financial planning, and retirement advice to individuals, high-net-worth clients, trusts, estates, and business entities. The firm’s investment approach combines ETFs and mutual funds with REITs, preferred shares, and select equities, using fundamental analysis and a long-term orientation tailored to client-specific needs.

Richard Cull is a CFA® charterholder with 19 years of experience in the financial industry. He is currently a portfolio manager at Old Beach Investment Advisors, LLC and serves as Chief Investment Officer at Centric Advisors, LLC, where he conducts research on individual stocks and provides recommendations. His prior experience includes roles at Pagosa Management LLC and Breen Investors LP. Old Beach Investment Advisors is a state-registered investment adviser that manages discretionary portfolios primarily for high-net-worth individuals, corporate pension and profit-sharing plans, charities, and businesses. The firm employs long-term equity strategies based on fundamental analysis and maintains a small, concentrated client roster with a focus on diversification and systematic portfolio monitoring.

Christopher Lloyd is a CFP® and holds a Series 66 license with 10 years of industry experience. He has worked at Lloyds Intrepid LLC since 2020 and previously spent five years at Bank of America Merrill Lynch. Lloyd is based in The Woodlands, TX, and is one of two advisors at Lloyds Intrepid Wealth Management. Lloyds Intrepid Wealth Management provides fee-only wealth management and financial planning to individual and high-net-worth clients. The firm employs a primarily passive investment approach supplemented by macroeconomic, fundamental, and technical analysis, and may use short-term hedging with unlevered inverse ETFs.

Robert Bond is a financial advisor at Bright Vision Wealth with 13 years of industry experience. He holds a Series 65 designation and is also the owner of The Bond Law Firm, where he serves as a board-certified estate planning and probate attorney. Bond’s career includes overseeing family asset management and running several management firms unrelated to investment advisory. Bright Vision Wealth serves individual and high-net-worth clients, managing about $26.7 million for roughly 25 households through a two-advisor team. The firm primarily offers non-discretionary financial planning and investment advice, complemented by affiliated legal and tax-preparation services.

Stephen Jimenez is a financial advisor at Peerless Wealth with 23 years of industry experience and holds the Series 66 and Series 63 designations. His prior experience includes roles at Thornburg Investment Management and Calamar Financial Group. He also works as a wholesaler for Peerless ETFs, LLC and as a sales consultant for Gore Range Capital on a part-time basis. Peerless Wealth serves individuals, families, trusts, estates, business entities, charities, and qualified retirement plans, providing financial planning, discretionary investment management, and consulting services. The firm uses a strategic asset-allocation framework and proprietary portfolio construction methodology, offering customized client portfolios, model portfolios, and sub-advisory services to an exchange-traded fund employing options strategies.

Kaylin Campbell is a financial advisor at Exos Wealth Strategies, LLC with six years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Aaron Keys & Associates, Inc. and Wealth Design Group. Outside of her advisory role, she owns and operates M&A Risk Management, LLC, an insurance agency specializing in life, health, and property and casualty insurance. Exos Wealth Strategies serves individuals, trusts, estates, and retirement plans by providing investment management, financial planning, and retirement plan consulting. The firm constructs individualized asset allocations primarily using mutual funds and exchange-traded funds, conducts ongoing portfolio reviews, and offers private fund investments to qualified clients.

Benjamin Childs is a Series 65-registered advisor with Wealth Management Investment Advisors, LLC, where he has worked for 14 years. He also has experience with Sonnet, LLC, a firm he has been involved with for 10 years, and previously worked at Onyx Wealth Advisors, Inc. for one year. Outside of advisory work, he manages an insurance agency and holds managing member roles in several affiliated entities. Wealth Management Investment Advisors, LLC serves individual and high-net-worth clients, trusts, small businesses, and churches through comprehensive financial planning and wealth-management consulting. The firm advises on goals and asset allocation and refers clients to third-party money managers who implement strategies based on fundamental analysis, modern portfolio theory, and technical analysis.

David Turner is a CFP® with 23 years of industry experience and is currently with Bison Investment Advisors, LLC, where he has worked since 2019. His prior experience includes roles at Kestra Financial Services, Arthur J. Gallagher & Co., Robert Baird & Co., Ameriprise, UBS Financial Services, Citigroup Global Markets, and Legg Mason Wood Walker. Outside of advising, he acts as an independent life insurance agent, dedicating a small portion of his time to that activity. Bison Investment Advisors provides discretionary investment management and financial planning services to individuals, trusts, estates, charitable organizations, qualified retirement plans, and business entities. The firm employs multi-asset portfolios that include traditional and alternative investments and serves as general partner and sponsor of a private fund, offering pooled investment vehicles with performance-based compensation for qualified investors.

Cary Marger is a financial advisor at Position Wealth with 14 years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch from 2014 to 2019 before joining Position Wealth. Position Wealth provides discretionary investment and wealth management services to individuals, high-net-worth clients, charitable organizations, and businesses. The firm manages approximately $242 million across about 215 client relationships, offering tailored portfolios that include mutual funds, ETFs, individual securities, options, and selected Independent Managers.

Larry Dubose is a financial advisor at Centurion Counsel Inc with four years of industry experience. He holds a Series 65 license and has been with Centurion Counsel since 2022. In addition to his advisory role, he serves as a consultant for Presidio Property Trust in San Diego, CA. Centurion Counsel Inc offers a discretionary Strategic Asset Allocation wrap-fee program for individual and institutional clients, managing approximately $58.5 million across about 143 accounts. The firm uses Modern Portfolio Theory and optimization software to build diversified portfolios tailored to client risk and reward preferences, and acts as the portfolio manager for its own wrap-fee program.

Douglas Neal is a CFP® professional with 42 years of industry experience, currently affiliated with LPL Financial. He has been operating Neal Financial Group, L.P. since 2002 and has served with LPL Financial since 2001. Neal also hosts a radio show called The Money MakeOver Team. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and accommodates various advisory and brokerage service combinations to meet client needs.

Eric Johnson is a CFP® with nine years of industry experience, currently serving as a financial advisor at Roth Financial Partners LLC since 2017. His prior experience includes four years at KPMG LLP and several years with Raymond James Financial Services. Roth Financial Partners provides discretionary investment advisory services and financial planning to individuals, including high-net-worth clients, as well as business entities, trusts, estates, and state and municipal government clients. The firm focuses on customized portfolio management using a range of asset classes and accesses independent managers primarily through the Raymond James Consulting Services wrap program.

Xavier Ibarrola is a financial advisor at Avanzza Investments LLC with 24 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Morgan Stanley and Banorte Asset Management. Avanzza Investments provides wealth advisory and discretionary portfolio management services to affluent individuals, families, trusts, and various organizations, including corporations and private equity funds. The firm employs a top-down investment approach combined with bottom-up analysis, focusing on liquidity, risk management, and cost efficiency.

James Bailes Jr. is a CFP® and PFS™ with 22 years of industry experience, currently serving as an advisor at Wealth Management Investment Advisors, LLC since 2014. He is a partner at Bailes Bates & Associates LLP, an accounting and tax planning firm, where he dedicates the majority of his time. Additionally, he operates as an independent insurance agent for life, health, disability, long-term care, and group benefits. Wealth Management Investment Advisors, LLC is a team of five advisors serving individual and high-net-worth clients, trusts, small businesses, and churches. The firm provides comprehensive financial planning and wealth management consulting, advising on goals and asset allocation while referring assets to third-party money managers employing fundamental analysis, modern portfolio theory, and technical analysis.