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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.

Accountability

Accountability

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.

Objectivity

Objectivity

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

Individualized

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

Education

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

Collaboration

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

Free Retirement Plan Evaluation

No Cost & No Obligation Retirement Plan Consultation

Schedule a short intro call

Virtual 1-Hour Team Meeting

Findings & Recommendations 1-Hour Meeting

Our initial short intro call is specifically designed to determine if we can help.

Give it some thought!

Upon completion of this process, we will simply ask you to think about it. We are looking for long-term relationships, not quick deals. We will be happy to help you find another professional with the right expertise if we aren’t the right fit. We never push you into saying “yes” or try to hard-sell you.

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'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.

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.

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.

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

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

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

Pricing

INTEGRATED
FINANCIAL PLANNING

REDUCE TAXES · INVEST SMARTER · OPTIMIZE INCOME
$ 300
Month
  • Retirement Planning
  • Investment Reviews
  • Tax Planning
  • Mobile App
  • CPA/CFP® On-Demand
Popular

HOURLY ON-DEMAND
FINANCIAL PLANNING

LIMITED SCOPE PROJECTS · OPEN ENDED QUESTIONS
$ 250
Hour
  • Potential projects may include:
  • Pre-College Planning
  • Financial Goals
  • ISOs Strategy Review
  • Insurance Planning

Specialized Services

STOCK COMPENSATION

Optimize Your Strategy

$ 625
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
  •  
  •  

INVESTMENT REVIEW

Analytical Review of Your Portfolio

$ 875
Starts at
  • Portfolio Review
  • Aggregate Performance Review
  • Relative Performance vs. Benchmark
  • Analysis of Portfolio Risks
  • Investment Alignment with Goals
  • Wealth Habits Recommendations
  • Rebalance Tool
  •  
  •  

One-time engagements are also available but depends on our capacity – pricing depends on scope of project.

Getting Started is Easy

FAQ

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!

The best results come from long-term relationships, but trust takes time to build. Initially, we are happy to work with you on a limited basis, but we expect our relationship to grow.
There are three really important things about our firm that separate us from others: We are retirement We are retirement specialists with a simple goal of making sure you don’t run out of money. 2. We limit the number of new clients we take on to deliver massive value and personalized service. 3. We invest in industry-leading technology to simplify our clients’ lives and make retirement easy.
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