A fee-only financial advisor for high earners with complicated taxes.
Investments, taxes, and estate planning run as one plan by a CFP® and CPA, so the pieces stop working against each other. Built for equity compensation, business ownership, and cross-border wealth.
A 100% virtual practice serving households across the U.S. Fee-only, with a CFP® and CPA under one roof.
Nine planning areas. One plan. Select any to see it.
What is Wealth Habits
Wealth Habits is a fee-only, fiduciary financial planning and investment management firm founded by Gabriel Kaplan, CFP® and CPA. You work directly with one advisor who does both the planning and the tax thinking, so nothing gets lost between specialists.
Most clients arrive with something specific: stock options vesting, a retirement date to plan around, a business tied up with personal wealth, or family assets crossing a border. We plan the investments and the taxes together, and we are paid only by our clients.
Who we serve
Six kinds of financial lives, each with its own tax picture. Find the one that sounds like yours.
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 & taxesSelf-Employed Professionals
Smooth out uneven income, cut what you overpay in taxes, and build a retirement plan that fits working for yourself.
Learn more → Cross-borderLatin 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 & exitEntrepreneurs & 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 incomeMedical & Legal Professionals
High income, a late start after training, and real liability. We build the plan around all three.
Learn more → Irregular incomeCreative 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 we solve
Your financial needs are unique, and we offer a range of services to meet them.
We provide clients with strategies for managing stock options, RSUs, and IPOs. Our services include:
- Strategic tax optimization and planning for upcoming cash inflows
- Investment strategies to manage proceeds post-IPO or exit
- Personalized financial planning to align wealth goals with career growth
For those managing a business, we offer strategic support to optimize your share of the pie:
- Retirement planning that integrates with business interests
- Plan for transferring ownership, whether through family, employees, or sale
- Tax services for business owners encompass comprehensive strategies to minimize tax liabilities, enhance cash flow, and integrate business and personal tax planning, while ensuring compliance with local, state, and federal regulations
We help professionals and business owners optimize their finances and plan for long-term success, focusing on:
- Tax-efficient wealth accumulation and estate planning
- Retirement planning tailored to their profession or business
- Managing complex compensation packages, including bonuses and equity
We specialize in helping families with businesses or wealth abroad efficiently transition their assets to the U.S., ensuring compliance and minimizing tax exposure. Our expertise includes:
- Cross-border tax planning and wealth structuring
- Estate planning for smooth transfers to U.S.-resident heirs
- Tax-efficient income distribution and wealth accumulation
What working together actually looks like
A complimentary intro meeting.
Thirty minutes is usually enough to tell whether we fit.
Discovery.
We gather the full picture: accounts, equity, tax returns, and the goals behind them.
The plan.
Investments, taxes, and estate decisions in one document, with action items ranked by what matters first.
Implementation.
Accounts consolidated, the portfolio built, the first tax moves scheduled.
4 to 6 meetings, tax planning around real deadlines, rebalancing when the plan calls for it. The plan stays live, not in a drawer.
One service. Two transparent fees.
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.