GUIDES AND TOOLS
I built these calculators and guides for the same decisions the newsletter covers. Each one is free to use. None of them is personal advice, because none of them knows your full situation.
NEW GUIDES BY EMAIL
I release new downloadable guides through the newsletter first. Subscribe to get each one when it comes out.
RETIREMENT · TAX
A multi-year conversion planner. It fills a target bracket each year and projects both paths to age 95 with RMDs, Social Security taxation, and Medicare surcharges.
EQUITY COMPENSATION · TAX
Estimate your federal tax with equity compensation in the picture: RSU vesting, option exercises, and the AMT.
REAL ESTATE
Monthly payment, itemized cash needed at closing, and a rent-versus-buy view. Versions for Westchester County, New York City, and Massachusetts.
GUIDE SITE · EQUITY COMPENSATION
Deep-dive guides to ISOs, NSOs, RSUs, and ESPPs, written in plain English.
GUIDE SITE · RETIREMENT
Plain-English answers to hundreds of retirement questions: Social Security, Medicare, withdrawals, and the taxes around them.
CHECKLIST · RETIREMENT
Gather the spending, income, health coverage, and investment facts you need to compare retirement dates.
GUIDE · RETIREMENT INCOME
How benefits, investments, and other income can work together to fund retirement.
THE WEALTH HABITS COMMUNITY
Ask how a tool works, compare notes with other readers, and discuss each new issue with me.
Derastone LLC dba Wealth Habits is a registered investment adviser. Review our Form CRS and Form ADV at adviserinfo.sec.gov.