Our story
We Built This Because We Needed It Too
DIY Wealth Planning was born from a simple frustration: financial guidance that was either too expensive, too complicated, overly biased, or designed to sell you something. We decided to change that.
Our mission
Wealth-building shouldn't require a Wall Street connection
Middle-income families are the backbone of this country — and the most underserved when it comes to real financial guidance. We exist to close that gap. Our educational tools give you the same frameworks used by high-net-worth investors, translated into plain language and built around your actual life.
Transparency first
We tell you what's free, what may involve fees, and who provides what. Clear, upfront communication — no surprises.
Education over advice
We teach you to fish. Our goal is for you to need us less over time — not more.
Families over portfolios
Your financial plan has to fit your real life — your kids, your job, your goals. We start there.
Who's behind this
A real person. A real background. A real reason.
Miguel Núñez
Founder | Lead Financial Coach
Miguel Núñez spent 25 years in corporate finance and trading before recognizing a gap that bothered him: the families who needed financial guidance most were the ones least likely to get it. The advice was either locked behind expensive advisory fees, buried in jargon, or quietly designed to sell a product.
He left to build DIY Wealth Planning — a free, self-directed platform that gives middle-income families access to the same planning frameworks used by high-net-worth investors. Free educational tools. Optional professional support. Just tools, clarity, and a path forward.
DIY Wealth Planning provides self-directed financial education and tools. See our service disclosures for information about service providers and available support. The tools and resources here are genuinely free — and if you ever want a human conversation, Miguel and the team are available, with no obligation.
Our approach
Plain language. Real clarity. No jargon.
We don't believe in complexity for its own sake. Every coaching session is built around your specific numbers, your specific goals, and the clearest possible path between the two. We use the same low-cost index fund strategies recommended by the world's best investors — and we explain exactly why they work.
Start with your real numbers
We look at income, expenses, debt, and savings before recommending anything. No generic advice.
Build a written plan
Every client leaves with a written Investment Policy Statement — a personal rulebook for your money.
Stay accountable
Regular check-ins keep you on track. Life changes — your plan should too.
The stock market is a device for transferring money from the impatient to the patient.
Who we are
Coaches who've been where you are
Miguel Núñez
Founder & Lead Financial Coach
Miguel spent 25 years in corporate finance and trading before realizing the families who needed help most were the ones getting it least. He left to build DIY Wealth Planning and coaches individuals and families through the platform's frameworks.
Priya Nair
Retirement Planning Coach
Priya specializes in helping dual-income families maximize their retirement accounts and navigate the transition from saving to investing. She believes every family deserves a clear retirement roadmap.
Jordan Castillo
Debt & Wealth Strategy Coach
Jordan paid off $94,000 in student loans in four years while building a six-figure investment portfolio. Now he coaches others through the same process — with the same no-nonsense approach.
What we cover
Every major wealth-building topic — in plain English
From your first budget to your last paycheck in retirement, DIY Wealth Planning covers the full arc of a financial life. No topic is off-limits. No question is too basic.
Retirement income planning
Income-gap methodology — not just portfolio size. We help you model the gap between what you'll need and what Social Security, pensions, and savings will actually provide.
Social Security strategy
Claiming at 62, 67, or 70 is one of the highest-leverage decisions you'll make. We help you calculate the break-even and understand the trade-offs.
Medicare IRMAA planning
Income-based Medicare surcharges can add thousands per year to your retirement costs. We help you understand the brackets and the tax diversification moves that reduce exposure.
Budgeting and cash flow
The Three-Bucket Budget (50/30/20) gives you a simple, repeatable framework for managing money without turning budgeting into a second job.
Debt payoff strategy
Avalanche vs. snowball — we model both and help you find the extra payment that changes your timeline.
Life insurance architecture
Human Life Value methodology determines how much coverage you actually need — and how to split it between permanent base and term protection.
Ready to see where you stand?
Take the free assessment — 5 minutes to get a personalized snapshot of your financial picture — then book a free consultation if you want to talk it through with a professional.
Free educational assessment · No obligation to purchase