Resources # Resources Guides, strategies, and calculators, and where to go next. ## Start here Insights ### [Wealth Habits Insights](https://insights.wealthhabits.com/) Notes on taxes, equity compensation, and financial planning, published on our Beehiiv newsletter site. Visit Insights → Newsletter ### [Subscribe to the newsletter](https://wealthhabits.com/newsletter) Get new Insights posts sent to your inbox when there is something worth reading. Subscribe → ## In-Depth Guides Entire sites we built around one topic, with plain-English answers you can search. Retirement ### [RetirementFAQs.com](https://retirementfaqs.com/) Plain-English answers to hundreds of retirement questions: Social Security, Medicare, withdrawals, and the taxes around them. retirementfaqs.com Visit the site → Equity comp ### [EquityCompensation.com](https://equitycompensation.com/) Deep-dive guides to ISOs, NSOs, RSUs, and ESPPs, plus a federal tax estimator built for equity compensation. equitycompensation.com Visit the site → ## Plan for retirement Prepare for the move from earning a paycheck to spending from savings. Retirement ### [Retirement readiness starts with a spending plan](https://wealthhabits.com/resources/retirement-readiness/) Gather the spending, income, health coverage, and investment facts needed to compare retirement dates. Read the readiness checklist → Retirement ### [Turn the wealth you’ve built into retirement income](https://wealthhabits.com/resources/retirement-income-plan/) Explore how benefits, investments and other income can work together to fund retirement. Explore retirement income → ## Wealth Strategies Specific moves and rule changes, explained with the numbers. Investing ### [Model portfolios: matching risk to time horizon](https://wealthhabits.com/resources/model-portfolios) Seven educational model portfolios built from low-cost funds. What each one holds, how the mix shifts with your time horizon, and what each costs. August 2026 Explore the models → Strategy ### [Trump Accounts: what parents need to know](https://wealthhabits.com/resources/trump-accounts) The $1,000 federal seed, who qualifies, the $5,000 cap, the tax catch, and how it compares to 529s and Roth IRAs. July 2026 Read the guide → Coming soon ### More strategies on the way - Equity compensation: a plain-English guide - How the fee-only model works - Cross-border wealth: what to plan for first ## Calculators Interactive tools that run on your numbers, not averages. Calculator ### [Westchester County Home Purchase Calculator](https://wealthhabits.com/home-purchase-calculator-westchester/) Monthly payment, itemized cash needed at close under Westchester rules, and a rent-vs-buy view. Email yourself any scenario and reopen it with one click. Open the calculator → Calculator ### [NYC Home Purchase Calculator](https://wealthhabits.com/home-purchase-calculator-nyc/) NYC's tiered mansion tax on the full price, the mortgage recording tax by loan size, and co-op vs. condo closing costs — with a warning when your price sits just above a tax tier. Open the calculator → Calculator ### [Massachusetts Home Purchase Calculator](https://wealthhabits.com/home-purchase-calculator-massachusetts/) No mansion tax, no mortgage recording tax — what Massachusetts closings actually cost, including the Vineyard and Nantucket Land Bank fee and its first-time-buyer exemption. Open the calculator → Calculator ### [Roth Conversion Calculator](https://wealthhabits.com/roth-conversion-calculator/) A multi-year conversion planner: fills your target bracket each year, projects both paths to age 95 with RMDs, Social Security taxation, and Medicare surcharges, and shows when converting pulls ahead. Open the calculator → Calculator ### [Federal Tax Estimator](https://equitycompensation.com/tools/federal-tax-estimator) Estimate your federal taxes with equity compensation in the picture: RSU vesting, option exercises, and the AMT. Open the estimator → --- Source: [https://wealthhabits.com/resources/](https://wealthhabits.com/resources/) 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.