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How Financial Planning Can Help You

Hi there, I’m Gabe Kaplan, the founder of Wealth Habits. I’m a financial advisor focused on serving a specific niche of people and their families.

As a client of Wealth Habits, you won't just be getting expert financial advice; you'll be gaining a trusted partner, someone who genuinely cares about your success and is dedicated to making your money work for you. My commitment to you is to provide personalized, comprehensive financial planning and advice that helps you focus on living a fulfilling life, without having to constantly worry about your finances.

Ultimately, my goal is to help you use your wealth to live a great life, enabling you to dedicate your time and energy to what you love most. Let's work together to make the most of your financial potential and turn your wealth into a stepping stone towards achieving your life's ambitions.

Find out more about me and Wealth Habits:

  • Who we serve

  • About Wealth Habits

  • About Gabriel Kaplan, CFP® CPA


Depending on your needs, financial planning can help you by:

  1. Setting and prioritizing financial goals.

  2. Creating budgets and managing cash flow effectively.

  3. Optimize wealth building through strategic saving and investing.

  4. Mitigating risks and providing financial security.

  5. Planning for retirement and ensuring a comfortable lifestyle.

  6. Optimizing tax efficiency and minimizing liabilities.

  7. Facilitating effective wealth transfer to future generations.

  8. Incorporating estate planning to preserve and distribute assets.

  9. Providing a structured approach to financial decision-making.

  10. Developing a clear understanding of your current financial situation.

  11. Identifying and addressing any financial gaps or areas of improvement.

  12. Prioritizing spending and aligning it with personal values and long-term goals.

  13. Managing debt effectively and developing strategies for debt repayment.

  14. Creating a safety net for emergencies and unexpected expenses.

  15. Optimizing Social Security benefits and maximizing retirement income.

  16. Navigating life transitions, such as marriage, divorce, or career changes.

  17. Managing the financial implications of starting or expanding a business.

  18. Gaining access to professional expertise and specialized knowledge.

  19. Increasing financial literacy and empowering individuals to make informed financial decisions.

  20. Offering peace of mind and a sense of financial control.


We provide comprehensive financial planning and investment management. We collaboratively work with you to integrate and simplify the management of your financial life.

Check out our services and also samples of our work


At Wealth Habits, things are done differently.

Our firm stands apart from banks, insurance agencies, or giant wealth management firms. We don't have any proprietary products that can cloud our recommendations. As fiduciaries, we are obligated by law to prioritize your best interests, ensuring transparency, fairness, and accountability in all our interactions.

What we offer is professional advice:

Investment Management

Our investment portfolios are carefully designed to help investors reduce risk, improve returns, and create a reliable income stream.

Retirement Planning

We help you develop a specific asset allocation and distribution strategy to help ensure your assets live as long as you do. In other words, we help turn your nest egg into a reliable income stream.

Stock Option Planning

We provide expert advice and advanced tax planning assistance to reduce your tax burden and avoid surprise tax bills.

Retirement Income Solutions

You’ve saved for retirement for years. Now that retirement is approaching, we can help you turn your retirement savings into retirement income.

Education Planning

If paying for education – yours, a child’s, or a loved one’s – is among your financial goals, we can help you evaluate your options and make informed decisions about educational expenses.

Estate Planning And Trusts

We collaborate with a team of independent attorneys who draft custom trust and estate planning documents to help ensure your wishes are fully integrated with your financial plan.

Insurance Optimization

It takes time and effort to build wealth, but it is easy to lose it. Even the most carefully laid financial plans can be shattered by accidents, lawsuits, medical crises, and other unexpected events. Life, property, and long-term care insurance are essential. Unfortunately, many people set up insurance policies early in life and then fail to revisit them as their personal situations and needs change.

Social Security Optimization

We help you determine the best time to collect Social Security and optimize your Social Security claiming strategy.


We see the need for a paradigm shift in the financial world. Unlike larger financial firms, our focus is not diluted by managing thousands of advisors or meeting corporate targets. We don't have to answer to corporate or shareholder demands.

Our focus is centered exclusively on our clients. Our small-scale approach allows us to cater to each client's unique needs, understanding their financial goals and working diligently to help them achieve these. Our only boss is you, our client.

Our independent status allows us to provide unbiased advice that is solely based on your financial needs, goals, and risk tolerance.

We believe this dedicated, client-centric approach is the future of wealth management, where every decision made is in the best interest of the client. With us, it's always about you.


As a small fiduciary financial planning firm, we're dedicated to addressing these issues by providing personalized, conflict-free advice tailored to each client:

  1. Personalized Attention: They can give clients the personal attention that larger firms often can't. They typically have fewer clients, which means they can devote more time to each one.

  2. Conflict-free Advice: As fiduciaries, they are obligated to put their clients' interests first. This means they provide advice that is in the best interest of the client, not what will earn them the highest commission.

  3. Comprehensive Planning: They often provide holistic financial planning, considering all aspects of a client's financial life, not just investments.

  4. Accessibility: They tend to be more accessible to a wide range of clients, not just those with high net worth, offering services to people who might otherwise be overlooked by large firms.

  5. Transparency: Many small fiduciary planners operate on a fee-only basis, meaning they don't earn commissions from selling financial products. This structure can be more transparent and may reduce potential conflicts of interest.


Finding the right advisor can significantly impact your financial journey. At Wealth Habits, we focus on simplifying complex matters and making challenging tasks achievable. We are more than just financial planners or investment advisors; we are dedicated to assisting you in navigating the financial landscape with unwavering support.

Want To Meet With An Advisor?

Let us help you plan your future, share more knowledge, and answer any questions.

Here's why we believe we are the right choice

1. Crafting Your Financial Blueprint

Your dreams, goals, and aspirations are uniquely yours, and so should be your financial strategy. We are equipped with an arsenal of strategic planning tools and a spectrum of investment options. We design, not dictate, your financial blueprint, ensuring it reflects your unique life journey and aims to realize your envisioned future.

2. Optimizing Your Most Precious Resource - Time

Having wealth doesn't only mean having money, it means having the freedom to use your time however you want. Our goal is not just to make you richer, but to give you more time. By taking care of your finances, we enable you to follow your interests, make special memories with your family and friends, and truly enjoy life rather than just getting by.

3. Simplifying Complexity

We are here to help you navigate the complex financial world. We believe that complexity shouldn't stop you from pursuing your dreams. Our aim is to make things easier for you today, so that you can confidently move forward into the future, turning your financial fears into financial freedoms.

4. Nurturing a Garden of Ideas

We know that great ideas can sprout anywhere and that no one has a monopoly on innovation. We value fresh perspectives is a potential seed for the next financial breakthrough, sparking new ways to optimize your wealth growth.

5. Turning Experience into Excellence

We have years of experience and a proven track record of successful wealth strategies. This has made us skilled financial professionals. Our clients trust us because we are honest, dedicated, and consistently deliver results. We don't just handle wealth, we create customized financial plans that improve our clients' lives.

Start your financial journey with Wealth Habits today. Let us inspire and guide you towards a prosperous and fulfilling financial future. See for yourself how our commitment to your unique goals can turn your dreams into reality.


Finding the right path for your future can be daunting, but Wealth Habits will work with you to make sure that we create the best plan for your finances and your goals. We start by exploring your financial situation; we then create a customized plan to help you stay the course and reach your goals. We finish by maintaining the plans we’ve set in place and helping you continue to make the best decisions for your future.

See our financial planning process