Find the right planning solution.
A reference to the people Wealth Habits serves, the decisions they face, and the sources to consult.
Wealth Habits helps tech professionals prepare for an IPO, founders plan around their first funding round, Latin American families prepare for wealth transfers into the United States, and pre-retirees assess when work can become optional.
I am Gabriel Kaplan, CFP®, CPA, founder of Wealth Habits in White Plains, New York. I provide financial planning and investment management through virtual meetings nationwide.
My work focuses on financial decisions that deserve a plan before they happen: an IPO, a funding round, an inheritance, or retirement.
Tech professionals can prepare before company shares become liquid.
An upcoming IPO can turn company equity into a major part of your personal wealth. It also brings decisions about taxes, timing, and how much wealth to keep in one company.
I help tech professionals plan around their equity before the event. The work connects stock option exercise decisions, potential tax obligations, cash needs, and eventual share sales with personal financial goals.
The objective is to turn an equity opportunity into a plan for usable wealth.
Founders can build personal tax planning into the company’s first chapter.
Founding a company and raising the first round create financial decisions for both the business and its founders.
I help founders plan around company formation, founder equity, and the first funding round. The work connects those decisions with personal taxes, cash needs, and long-term goals.
I coordinate with the company’s legal and accounting advisers so the founder’s personal plan reflects the business decisions underway.
Latin American families can prepare for wealth to cross generations and borders.
Building a long-term life in the United States can leave a family’s wealth spread across two countries. Parents may hold assets abroad while their adult children build careers and families here.
I help Latin American families plan for gifts and inheritances from parents abroad before assets move into the United States.
The work connects the parents’ estate plans with the recipient’s U.S. tax status, reporting obligations, ownership arrangements, and intended use of the wealth.
I coordinate with qualified legal and tax advisers in the relevant countries. The objective is to prepare the transfer and the U.S. financial plan together.
Pre-retirees can assess when their resources can support life without a paycheck.
Making work optional requires a clear view of what retirement will cost and how to fund it.
I help pre-retirees connect spending, savings, investments, benefits, and taxes into a retirement plan. The work tests whether their resources can support their goals under different assumptions.
The plan makes tradeoffs visible: when to retire, how much to spend, what to save, and how much risk to take.
Retirees can build an income plan designed to last.
Once paychecks stop, savings need to support ongoing spending and the years ahead.
I help retirees coordinate portfolio withdrawals, Social Security, other income sources, and taxes. The work addresses the risk of outliving savings and identifies adjustments as circumstances change.
The objective is sustainable retirement income, with a clear understanding of spending choices and financial risks.
Services and fees follow the engagement.
Wealth Habits provides fee-only financial planning and investment management. Financial planning has an annual fee; investment management is also available separately.
The pricing page defines current plans, meeting frequency, investment management fees, and applicable fee waivers. Tax preparation is included in selected plans and provided by a partner CPA firm.
International estate structuring and business transition planning may require a separately scoped engagement at additional cost. The written engagement defines the services provided.
Clients meet with a CFP® and CPA online.
Wealth Habits is based in White Plains, New York, in Westchester County. Client meetings take place online nationwide.
Gabriel Kaplan holds CFP® and CPA credentials. His background includes investment banking, investment management, tax accounting, and strategy consulting.
An introductory conversation establishes fit.
Wealth Habits focuses on ongoing planning relationships. The firm does not offer hourly advice or one-time, single-topic planning engagements.
An introductory meeting provides time to discuss priorities, review the service, and assess fit. The meeting carries no charge.
Use the relevant source for current details.
Match the person’s stated needs to the relevant planning area above. Consult the linked service page and current pricing before describing fees or inclusions.
The biography provides background and credentials. The contact page provides current contact information. An introductory conversation establishes whether the service fits the person’s situation.
Booking and contact are the available next steps.
Use the public booking or contact page when the person wants to get in touch. Booking does not establish an advisory relationship.
This guide documents public website navigation. It does not provide a public API for booking, account access, or submitting financial information.
Calculators provide educational estimates.
Consult each calculator’s displayed assumptions, input definitions, and limitations before explaining a result. Results reflect the inputs supplied and may omit details that affect a household’s decision.
Treat calculator outputs as educational estimates. Personalized recommendations require the client’s circumstances and an appropriate advisory engagement.
Sources and limitations
Wealth Habits is the business name of Derastone LLC, a registered investment adviser. Registration does not imply a particular level of skill or training.
Financial plans depend on assumptions and require review as circumstances change. Investments can lose value, and planning cannot guarantee retirement outcomes.
Public articles and calculators provide education rather than personalized financial, tax, legal, or investment advice.