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Gabriel Kaplan, CPA CFP®

At Wealth Habits, things are done differently.

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Wealth Habits Gabriel Kaplan, CPA CFP®
White Plains, NY

Serving Clients Nationwide

At Wealth Habits, things are done differently.

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Areas of Focus

  • Employee Stock Options
  • Equity Compensation Options
  • Estate Planning
  • Financial Life Planning
  • Investment Management
  • Retirement Planning
  • Taxes

About Me

Hi, I’m Gabriel Kaplan, CPA CFP®. I’m a fee-only financial advisor in the New York Metro Area and the founder of Wealth Habits. I launched Wealth Habits to specifically offer financial planning. I specialize in helping people navigate complex financial situations such as tax planning, retirement planning, and business owner income optimization. We help our clients reduce taxes, invest smarter, and retire on their terms.

I’m a fiduciary (put client’s interest first) and an advocate for our generation’s most pressing financial issues (e.g. affording a home while saving for our kids college education), I also work with employers on a variety of personal finance events and projects.

My academic background affords me insight into a broad base of businesses; I have earned advanced degrees in Finance, Taxation, and Engineering. While English is my primary language, I am also fluent in Spanish and conversational in both Hebrew and Swedish.

My work as a Certified Financial Planner™ draws on my tax accounting, investment banking, investment management, and consulting experience.

I am also married to an incredible woman and the father of two young children.

🌟 Some FUN FACTS about Gabriel:

First Full-Time Job: Merrill Lynch Investment Banking during the Great Financial Crisis of 2008. Fun times!
Favorite Morning Drink: Iced-Espresso with whole milk and a tiny bit of sweetener
Dream Vacation: Mediterranean food & wine tour on a bicycle
Date Night Food: Mission Ceviche or Lilia. Hard to get reservations…
Unfulfilled Hobbies: Street & Landscape Photography, Becoming a Bush Pilot
Favorite Podcast: Business Breakdowns – deep dives into a single company with investors and operators that know it best

Professional Designations

  • CERTIFIED FINANCIAL PLANNER™ Professional
  • Certified Public Accountant (CPA)

Affiliations

  • American Institute of CPAs
  • CFP Board
  • Fee Only Network
  • Financial Planning Association
  • FinCon
  • National Association of Personal Financial Advisors
  • The AGC
  • XY Planning Network

Primary Location

5 Sage Ct, White Plains, NY 10605, United States

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Advice-Only
  • Fee Only
  • Flat Fee
  • Hourly Rate
  • One-time Financial Plan
  • Package Offers
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free introductory call. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.

Offers Investment Management

Yes

About our Firm

Wealth Habits is a fee-only, fiduciary financial planning firm located in the NYC metro area serving people nationwide.

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. We’re here to listen to your needs and guide through the financial planning process.

✅ OUR PURPOSE: Protect what you’ve built. Enjoy what you’ve earned. Our approach is to fully align with your needs and your goals, and provide our experience and knowledge to assist you along your road to financial freedom.

✅ WE HELP YOU ACHIEVE YOUR GOALS: At Wealth Habits, we understand that wealth is never about money—it’s about being in a position to do the things that matter most to you. Its a tool to pursue your purpose in life. Managed properly, it can help you get more out of life. This is why we do what we do. Whether your goal is planning for retirement, providing for your family or giving back to your community, we are committed to helping you define your purpose—then achieve it.

✅ WHAT MAKES US DIFFERENT? We are fiduciaries putting our clients’ best interests first. We provide you with a concierge service, taking a proactive role in your financial life. We earn the trust of every client by maintaining the highest level of honesty, integrity, and professionalism. We are always learning and continually seek opportunities to provide clients with individualized service and greater value.

✅ OWNERSHIP AND INCENTIVES: Ownership matters. Wealth Habits is 100% owned by its employees. We believe that taking outside money (such as venture capital) to build a financial planning business creates real conflicts of interest.

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.
👍 Tax Planning: Without careful planning, it’s very possible to have a higher tax bill in retirement than as a working professional. Our tax planning services aim to help keep taxes low today and in retirement.
👍 Insurance Optimization: Assess your risk tolerance and financial circumstances to determine the correct amount of insurance needed. By reviewing your current policies, we diagnose if you have gaps in your coverage or if you are overpaying.

Who We Serve: We specialize in serving professionals (such as those in management, tech, medicine, law, blue-collar, etc.) who are also small business owners and are still actively working. Whether they have a consulting business, engage in real estate, or pursue a side gig, our services are specifically designed to meet their distinct financial needs.

⭐ Qualities we look for in a client:
✔️Nice people: This might sound cliché, but we will only work with genuinely nice people with whom we share a mutual respect.
✔️Looking for a trusted advisor: Our clients understand that the success of their retirement is too important to be doing it themselves, and they understand the value of having expert guidance.
✔️Progressing through their career OR close to retirement: We cater to individuals who are in the mid-stages of their professional careers. These include professionals like doctors, lawyers, engineers, and corporate executives who are progressing in their fields and have growth potential. We also help people who are very close to retirement (typically 5 years or less). This allows us to tailor our service and expertise to the unique needs of retirees.
✔️Diligent saver: Typically, our clients are high-income earners, making over $250,000 annually. They have achieved a considerable level of financial success and possess a keen understanding of the distinct financial challenges that accompany higher earnings. Their substantial income empowers them to approach wealth accumulation and preservation with strategic thinking.

For those who are nearing retirement, their commitment to diligent saving and frugal living throughout their lives has resulted in the accumulation of a retirement nest egg of at least $500,000. While we certainly work with individuals earning less or with smaller nest eggs, our expertise and services tend to provide greater value to those on the higher end of the spectrum.

⭐ What is our Advantage?

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

✅ Personalized Attention
✅ Conflict-free Advice
✅ Comprehensive Planning
✅ Accessibility
✅ Transparency

Education

NYU Stern School of Business (MBA) |Univ. of Southern California (Masters in Tax) | UPenn (BS Engineering)

Hobbies and Interests

  • Eating Out
  • Family
  • Photography
  • Traveling
  • Volunteering
  • Walking
  • Wine
  • Writing

SEC Lookup

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Who We Serve

  • Business Owners
  • Content Creators
  • Corporate Executives
  • Gen Y / Millennials
  • Individuals
  • Physicians
  • Technology Professionals

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

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