Financial Planning for Tech Professionals, Creatives, and Small Business Owners

Gabriel Kaplan CFP® CPA
Founder, Wealth Habits

WHAT IS WEALTH HABITS?

Wealth Habits is a fee-only, fiduciary financial planning firm focused on serving people nationwide. The firm was founded by Gabriel Kaplan, CFP® CPA

WHO DO WE SERVE?

Type of Client

Pre-IPO Tech Companies

  • Founders

  • Executive Team

  • Directors

  • Tech Professionals

Professionals

  • Management

  • Technology

  • Medicine

  • Law

Business Owners

  • Real Estate

  • Technology

  • Creative Industries

  • Consulting / Law

Latin American Family Business Owners

  • Family owns a business outside of the US

  • Eventual transfer of wealth to children who are US residents or citizens

Where We Provide Value

These clients are typically navigating the complexities of stock compensation (like options, RSUs) as they approach a liquidity event. They benefit from guidance on tax optimization, planning for eventual cash inflow, and strategic investment of proceeds from IPO or acquisition. Services could include:

  • Stock option planning and exercise strategies

  • Minimizing tax liabilities related to stock sales

  • Investment strategies post-IPO or exit

Professionals often have high incomes but need help aligning their financial goals with their career growth. They benefit from personalized financial planning that addresses:

  • Tax-efficient wealth building and estate planning

  • Retirement planning tailored to their profession

  • Managing complex compensation packages (e.g., bonuses, stock options)

These clients value strategic planning to manage cash flow, business expansion, or a potential sale. Areas of focus include:

  • Tax-efficient income distribution and wealth accumulation

  • Retirement planning integrated with business interests

  • Succession planning and exit strategies

For families with businesses or wealth abroad, transitioning that wealth to the U.S. in a tax-efficient manner is critical. This involves:

  • Cross-border tax planning

  • Structuring wealth transfers to minimize U.S. tax exposure

  • Estate planning to ensure a smooth and tax-efficient transfer of wealth to U.S.-resident children

WHO HAS WORKED WITH US?

We've assisted tech company employees with equity and benefits management, provided comprehensive financial planning services to hospital staff, and offered strategic financial guidance to small business owners.

OUR SERVICES

FINANCIAL PLANNING

Work directly with Gabriel Kaplan to create a comprehensive financial plan that covers budgeting, retirement, investments, insurance, taxes, home buying, and more. We combine goal-based life planning with advanced tax strategies, especially for clients with equity compensation. Whether you're a founder or employee, we'll help turn a liquidity event, like an IPO, into a step toward financial independence.

INVESTMENT MANAGEMENT

We focus on building globally diversified portfolios tailored to your financial goals through strategic asset allocation. This approach involves setting and adjusting targets across a wide range of asset classes, utilizing a mix of domestic and international low-cost index funds.

TAXES & ACCOUNTING

As a small business owner or freelancer, outsourcing your accounting and tax tasks lets you focus on growing your business. Our service, tailored for solopreneurs and small businesses, covers bookkeeping, tax preparation, and monthly reporting, including both business and personal tax returns. We partner with an experienced accounting firm to provide these services.

WHAT DO OUR CLIENTS WANT?

While every client's financial situation is unique, my experience has shown that everyone seeks three fundamental things:

  1. Simplicity. Our client wants clear, understandable financial strategies without jargon, convoluted processes, and straightforward advice. This helps them make better decisions with confidence.

  2. Action. Clients look for proactive steps and practical solutions that move their financial plans forward. They value a dynamic approach where plans are not only made but are also implemented efficiently, ensuring progress towards their financial goals.

  3. Oversight. Clients want someone to keep a steady eye on their finances, ensuring everything is on track and adjusting when necessary. They value having a reliable partner who watches over their investments and keeps them informed, making sure their financial plan evolves just right with their life’s changes.


Interested in Working Together?

Get started in 5 easy steps

STEP #1

DISCOVERY

We’ll sit down together, talk through your life story and define your future goals. This is also a time where we can answer any questions you may have about our firm and how we approach our clients’ financial lives.

STEP #2

DATA INPUT

The output of the plan is only as strong as the input. In this phase, we’ll diligently organize your financial data in a central location. This makes it easy to plan for your future and also analyze various silos of your finances, including insurance, taxes or estate planning.

STEP #3

PRESENTATION

During this phase, we’ll share with you our recommendations and future projections based on your current financial portrait. We’ll walk you through a base case scenario. If you're on track to reach your goals—and what shortcomings may need to be addressed.

STEP #4

IMPLEMENTATION

Using your financial plan as our guiding framework, we’ll put our recommendations into action. In some cases, implementation will be carried out by a third party, such as attorneys, accountants, loan officers and insurance specialists if your plan relates to these areas.

STEP #5

REVIEW

As your financial partner, we’ll be here for you if and when your situation changes. Financial planning is an ongoing process, and we’ll update our tactics as your life evolves or when new goals are established.

READY TO GET STARTED?