Financial Planning

Helping You Solve Complex Financial Questions

We play the role of “personal CFO,” helping you make crucial decisions about investing and planning for future growth. Wealth Habits is a boutique firm that specializes in equity compensation. We provide fully customized financial plans and investment solutions that integrate your equity compensation.

Value & Benefits of Hiring a Financial Planner

Proactive Organization

Bring order to your financial life by assisting you in getting your financial house in order and anticipate your life transitions.



Help you follow through on financial commitments by working with you to prioritize your goals, showing you the steps you need to take, and reviewing your progress.



Bring you insights from the outside to help you avoid emotionally driven decisions in important money matters.


Customize our services to your needs, thinking long-term to build an individualized service that is right for you.


We provide you with the necessary resources to facilitate your decisions, explaining the options and risks associated with each choice.


We work collaboratively with you to achieve your goals and offer complete transparency around our own costs and compensation.

Getting Started is Easy

30 Min Conversation

Complete a Basic Questionnaire

Evaluate Potential Value Add

Our initial consultation process is specifically designed to determine if we can help.

Planning Areas

No matter where you are in life, we can provide guidance, tools, and services to help you prepare for retirement on your terms. We can manage your portfolio while helping you grow your investing confidence. Investment Coaching. Ongoing Management. Custom Financial Plan. Real-Time Goal Tracking.

We can help you develop a plan to exercise, hold, and sell stock that considers potential income tax, sale proceeds, and after-tax savings. Your plan will account for your goals and objectives, overall investment profile, and net worth to strike a suitable balance between selling or holding shares

Tax planning can be a complicated, time-consuming process. But it doesn’t have to be that way. We typically help our clients with strategies to minimize your income tax liability. For instance, deferring income, maximizing deductions and selecting tax-advantaged investments.

We'll help you create, implement, and maintain an investment strategy that best meets your lifetime financial goals. We will ensure your portfolio matches your tolerance and risk while protecting against taxes and inflation.

We help you organize and provide an overview of estate needs and, if needed, provide references for qualified attorneys to make sure the client’s needs are covered.

Identify ways to create a banking structure that helps clients hit their spending and savings targets and stay accountable to their goals each month.

Planning for an expense like college can be overwhelming. We'll help integrate your college funding goals into your overall financial plan, so that you can stay balanced in all areas of your financial life.

Insurance needs can change frequently and drastically as time goes by. We'll be there to ensure that you have the right plans in place to reduce your stress and exposure to unexpected events.

Have you made any employee benefit elections this year? Are your benefits incorporated into your financial planning? We help you choose which benefits based on your comprehensive financial plan.

Financial Planning Process

Introductory Call

Learn about your personal situation, explain our services, and disclose fully how we will be paid

Introductory Call

Sign the Agreements

Agree on the scope of work, timeline, and fees. Sign the following documents:

  • Financial Planning Agreement
  • Investment Advisory Contract.
Sign the Agreements

Discovery Meeting

Learn some background information about your past experiences with money and get a big picture view of what you hope to accomplish moving forward

Discovery Meeting

Document Gathering and Data Integration

Gather all the necessary documents and critical information, integrate data with various platforms,  and calendarize future meetings

Document Gathering and Data Integration

Budgeting & Spending Plan

We cover the following subjects: spending and savings goals, emergency fund target, debt optimization, student loans, risk tolerance, credit score, and account structure
Budgeting & Spending Plan

Tax Planning

We review your federal and state tax returns to determine if there are any strategies we can utilize to decrease your tax burden and figure out what your long-term tax rates are for the financial plan

Tax Planning

Investment Planning and/or Review

We’ll create a centralized strategy for your investments that carefully considers all of your goals, risk factors, and return expectations

Investment Planning and/or Review

Retirement Analysis & Planning

We calculate the ideal savings for your retirement and develop a realistic plan to achieve a financially successful retirement

Retirement Analysis & Planning

Other Financial Planning Areas

Analysis and recommendations of optimal insurance, college savings plan (determination of annual savings, lump sums, and the ideal investment approach for each child), employee benefits review

Other Financial Planning Areas

Year-End Checkup

Practice some good financial hygiene to set yourself up for a more productive year, especially at tax time.

Year-End Checkup

Most Popular Services


Financial Planning Made Simple

$ 3,750
Starts at
  • Fee Depending on Complexity [1]
  • Retirement Planning
  • Investment Review
  • Tax Planning [2]
  • Mobile App
  • CPA/CFP® On-Demand


Optimize Your Strategy

$ 925
Starts at
  • Calculate Tax Impact of Stock Comp.
  • Model & Test Various Scenarios
  • Professional Help From a CPA/CFP®
  • Multi-Year Tax Planning
  • Highly Technical Tax Optimization
  • Build the Framework for Your Strategy
  • Evaluate Options & Select a Path Forward


Analytical Review of Your Portfolio

$ 1,275
Starts at
  • Portfolio Review
  • Aggregate Performance Review
  • Relative Performance vs. Benchmark
  • Analysis of Portfolio Risks
  • Investment Alignment with Goals
  • Wealth Habits Recommendations
  • Rebalance Tool
  1. Set-up fee may be reduced under certain circumstances (e.g. medical residents, fellows, etc.)
  2. Wealth Habits is able to work with your preferred tax accounting firm for tax preparation
  3. Attorney fees not included. We will work with your attorney and if you don’t have one, we can suggest a few options.
  4. Limited tax preparation is included (one W-2, Schedule C, and 2 x 1099s per person) through an external CPA firm
  5. One-time engagements are also available but depends on our capacity – pricing depends on scope of project.

Getting Started is Easy


With the right information we can answer this question. For example, I will need to know your retirement goals and the assets you have to support those goals.

Yes, I signed the fiduciary oath (click to see it):

  • Put the client’s best interests first
  • Act with prudence; that is, with skill, care diligence and good judgment of a professional
  • Do not mislead clients; provide conspicuous, full and fair disclosure of all important facts
  • Avoid conflicts of interest; and fully disclose and fairly manage, in the client’s favor, unavoidable conflicts.

How to tell if your financial advisor looks out for you? Ask him/her to sign this document!

I can’t make any promises but if you contact me a couple of months before the December 31st, we can probably find and implement a plan to reduce your tax liability.

This depends on a couple of variables: do you have dependents? do you have a mortgage? are you the sole breadwinner? etc… My job is to evaluate your financial state and figure out what gaps you have to determine your insurance needs. Since I don’t sell you insurance, my recommendations will be less biased than an insurance agent so keep that in mind.

You probably have a couple of options. The real question is what option makes most sense in light of your entire financial picture? How much can you pay without risking your retirement? We can work together to get those answers.

Like everything complex, it depends… First we need to know your goals and translate them into financial numbers. Once that is determined, we will review your risk tolerance and a few other things. After that, we create a portfolio that strives to maximize returns while minimizing potential losses.

Every fourth quarter, your company’s benefits department notifies you that it’s time to make your annual insurance benefit elections. There are a variety of plans out there with varying employee contributions required.

These increasingly complex plans can leave you unsure of how to navigate through your options. How do you know you are making the best decisions for you and your family?

What does disability insurance cover? Do I have enough? This really depends on your financial situation. We can help you answer this question

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