Investment management with your financial plan in view.
Plan for retirement. Turn savings into income. Build wealth for the people and goals that matter to you. Your investment decisions should support the life you want to live.
Two short fit questions come before choosing a meeting time.
Start with what you want your money to do.
Retirement, income, growth, resilience, and family goals often overlap. Explore how financial planning and investment management work together for each.
Make work optionalPrepare for retirement
Understand what retirement could look like, when it may be possible, and what needs to change along the way.
Financial planning sets the direction.
Compare retirement dates, spending needs, savings, and Social Security choices. Evaluate the tradeoffs before deciding when to step away from work.
Investment management supports it.
Align the portfolio with your time horizon and future withdrawals. Review how much risk your retirement plan can support.
The work produces: A retirement projection, savings priorities, and a list of next steps.
Fund life after workTurn savings into retirement income
Connect the wealth you have built with the spending it needs to support.
Financial planning sets the direction.
Coordinate spending, Social Security, and withdrawals from your accounts. Review how changing expenses and market conditions could affect your income plan.
Investment management supports it.
Set aside money for near-term withdrawals while investing for later years. Review the balance between growth, cash needs, and investment risk.
The work produces: An income strategy, withdrawal priorities, and a portfolio connected to your spending needs.
Put your resources to workBuild wealth for the life ahead
Give saving and investing a purpose, whether you are building retirement assets, funding education, or planning a major purchase.
Financial planning sets the direction.
Prioritize competing goals across cash flow, debt, education, and business or career changes. Decide how much to save and where it belongs.
Investment management supports it.
Build a portfolio around each goal’s time horizon. Coordinate accounts and review concentrated positions, including employer stock.
The work produces: Savings priorities, a target investment mix, and an implementation plan.
Keep room for the unexpectedManage risks to your plan
Understand where a market decline, an income disruption, or an unexpected expense could put pressure on your finances.
Financial planning sets the direction.
Review cash reserves, debt, insurance needs, and major financial commitments. Identify gaps and decisions that need attention.
Investment management supports it.
Review diversification, concentrated holdings, and access to cash. Rebalance when the portfolio moves away from its intended mix.
The work produces: A review of financial risks, portfolio priorities, and actions to discuss with the relevant specialists.
Plan beyond your own needsProvide for family and causes
Connect the assets you have built with the people and organizations you want to support.
Financial planning sets the direction.
Review beneficiary designations, education goals, estate planning needs, and charitable giving. Coordinate estate planning decisions with your attorney.
Investment management supports it.
Consider the timing and funding of gifts alongside your own income needs. Review which assets may support each goal.
The work produces: A beneficiary review, funding priorities, and a coordination checklist. Your attorney prepares legal documents.
These examples describe an integrated planning and investment engagement. Your selected service defines the scope. Standalone investment management excludes the financial plan.
Explore the full service scope →Choose the scope of the engagement
An integrated engagement connects investment decisions with retirement, income, and other financial goals. Investment management on its own excludes the financial plan.
Explore financial planning services or compare the current plans and fees.
Investment management fees
Standalone investment management uses the standard schedule below. Each portion of your managed assets is charged at its own rate.
- First $2M 0.95%
- $2M to $10M 0.75%
- $10M to $25M 0.50%
- Over $25M 0.35%
Fees are blended and tiered: each band of assets is charged at its own rate, so the rate steps down as your assets grow. Billed monthly in arrears. The schedule applies only to passive, index-based ETF portfolios; it does not cover active management, individual securities, or customized non-model strategies.
Financial planning has a separate annual fee. Core waives the investment management fee on your first $1,000,000 of managed assets. Premier waives it on your first $2,000,000.
The waiver applies the standard schedule with those first dollars charged at $0. It does not create a different rate schedule.
Compare the financial planning plans and fees. Active management, individual securities, and custom strategies require a separate fee arrangement.
Consider risk alongside the plan
Investment choices should reflect cash needs, time horizon, and risk tolerance. Investments can lose value. No portfolio removes market risk.
Work together through virtual meetings
Wealth Habits is based in White Plains, New York. Client meetings take place online across Westchester County and nationwide.
Read about financial planning in White Plains or learn about Gabriel Kaplan.