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
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
Our initial consultation process is specifically designed to determine if we can help.
Financial Planning Process
Learn about your personal situation, explain our services, and disclose fully how we will be paid
Sign the Agreements
Agree on the scope of work, timeline, and fees. Sign the following documents:
- Financial Planning Agreement
- Investment Advisory Contract.
Learn some background information about your past experiences with money and get a big picture view of what you hope to accomplish moving forward
Document Gathering and Data Integration
Gather all the necessary documents and critical information, integrate data with various platforms, and calendarize future meetings
Budgeting & Spending Plan
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
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
Retirement Analysis & Planning
We calculate the ideal savings for your retirement and develop a realistic plan to achieve a financially successful retirement
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
Practice some good financial hygiene to set yourself up for a more productive year, especially at tax time.
Most Popular Services
Financial Planning Made Simple
Fee Depending on Complexity 
Tax Planning 
Optimize Your Strategy
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
Aggregate Performance Review
Relative Performance vs. Benchmark
Analysis of Portfolio Risks
Investment Alignment with Goals
Wealth Habits Recommendations
- Set-up fee may be reduced under certain circumstances (e.g. medical residents, fellows, etc.)
- Wealth Habits is able to work with your preferred tax accounting firm for tax preparation
- Attorney fees not included. We will work with your attorney and if you don’t have one, we can suggest a few options.
- Limited tax preparation is included (one W-2, Schedule C, and 2 x 1099s per person) through an external CPA firm
- 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.
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