Michael A. Janky DBA MJ Wealth Planning

The firm provides financial planning, consulting, and educational services (newsletters and seminars) and refers clients to third‑party money managers for asset management. Its client types include individuals, high‑net‑worth individuals, trusts, estates, charitable organizations and business entities, and the firm reports that it does not directly manage client assets.

Advice is delivered one‑on‑one through written full or modular financial plans and consultations, drawing on fundamental and technical analysis and public research sources. When ongoing asset management is desired, the firm assists in identifying and recommending third‑party managers, acts as a communication conduit, and does not exercise trading or discretionary authority over client accounts managed by those third parties.

Noteworthy differences from many peers include operating in a licensed insurance capacity (selling life, annuities and disability products) and using hourly planning/consulting fees rather than primarily charging percentage‑of‑AUM advisory fees, while receiving solicitor fees from recommended third‑party managers. The firm also highlights multiple senior‑ and retirement‑planning credentials and discloses potential conflicts of interest tied to solicitor compensation, insurance commissions, and occasional travel or marketing reimbursements from product sponsors.