Planning + investment management # Financial planning for retirement and the life you want. Plan for retirement, turn savings into income, and make investment decisions with your financial goals in view. I bring CFP® and CPA expertise to the decisions behind your plan. [Book an intro meeting](https://wealthhabits.com/meeting) [See pricing](https://wealthhabits.com/pricing) The standard we hold/**Fee-only fiduciary**/**CFP® + CPA** A 100% virtual practice serving households across the U.S. Fee-only, with a CFP® and CPA under one roof. Gabriel Kaplan with his family A short introduction to Wealth Habits. ## Who we serve Six kinds of financial lives, each with its own tax picture. Find the one that sounds like yours. Equity & RSUs ### [Tech Professionals](https://wealthhabits.com/clients/tech-professionals) Equity that could change your life, or hand you a tax bill you never budgeted for. We plan the timing and the taxes on both. Learn more → Cash flow & taxes ### [Self-Employed Professionals](https://wealthhabits.com/clients/self-employed) Smooth out uneven income, cut what you overpay in taxes, and build a retirement plan that fits working for yourself. Learn more → Cross-border ### [Latin American Cross-Border Families](https://wealthhabits.com/clients/latin-american-cross-border-families) You studied here and stayed. Your family's business and wealth are still back home. When gifts and inheritance cross the border, we structure them around the U.S. tax rules before they arrive. Learn more → Business & exit ### [Entrepreneurs & Business Owners](https://wealthhabits.com/clients/entrepreneurs-business-owners) Most of your net worth is locked in the business. We plan the taxes, the retirement plan, and the eventual sale so it becomes wealth you actually own. Learn more → High income ### [Medical & Legal Professionals](https://wealthhabits.com/clients/medical-legal-professionals) High income, a late start after training, and real liability. We build the plan around all three. Learn more → Irregular income ### [Creative Professionals](https://wealthhabits.com/clients/creative-professionals) Income that swings by project and season. We turn it into taxes set aside, savings that hold through the slow months, and a plan that does not wait for a steady paycheck. Learn more → ## What you get Nine planning areas, one working plan. Investments, taxes, and estate decisions get made together, in one cohesive way with action items ranked by priority, kept current as your life changes. [](https://wealthhabits.com/services) ## What working together actually looks like The plan, one document 01 Before anything A complimentary intro meeting. Thirty minutes is usually enough to tell whether we fit. 02 Weeks 1 to 2 Discovery. We gather the full picture: accounts, equity, tax returns, and the goals behind them. 03 Weeks 3 to 6 The plan. Investments, taxes, and estate decisions in one document, with action items ranked by what matters first. 04 The first quarter Implementation. Accounts consolidated, the portfolio built, the first tax moves scheduled. 05 Every year after Your meeting schedule and ongoing support follow your selected engagement. Compare services and meeting frequency on the pricing page. [Review pricing](https://wealthhabits.com/pricing) ## Based in New York. Working with clients nationwide. I am Gabriel Kaplan, CFP®, CPA. Wealth Habits is based in White Plains, New York, with virtual client meetings across Westchester County and nationwide. [Explore financial planning and wealth management in White Plains](https://wealthhabits.com/white-plains-financial-advisor/). Where we work together Office Client cities ## Let's build your Wealth Habits Thirty minutes is usually enough to tell whether we fit. No charge, no pressure, and if we are not the right firm for you, we will say so. [Book an intro meeting](https://wealthhabits.com/meeting) --- Source: [https://wealthhabits.com/](https://wealthhabits.com/) Wealth Habits is a fee-only, fiduciary financial planning and investment management firm. We are compensated only by our clients, never by commissions, and we are held to a fiduciary standard to act in your best interest at all times. Derastone LLC dba Wealth Habits is a registered investment adviser. Review our Form CRS and Form ADV at adviserinfo.sec.gov.