Important disclosures

Effective date: June 28, 2026

Advertising by a registered investment adviser

Equitycompensation.com is educational content published by Wealth Habits, a registered investment adviser. This website is advertising. Registration as an investment adviser does not imply any level of skill or training, and it does not mean the SEC, any state regulator, or any other government agency has approved this website, Wealth Habits, or the services described here.

Educational content only

The content on this website is general and educational. It is not personalized financial, tax, legal, accounting, or investment advice. It does not account for your full facts, tax return, grant documents, employer plan, state residency, risk tolerance, investment objectives, cash-flow needs, or legal obligations.

Do not treat website content as a recommendation to buy, sell, hold, exercise, hedge, donate, or transfer any security, or to adopt any tax, legal, investment, estate, or financial planning strategy. Confirm current rules and your specific facts with a qualified professional before you act.

No advisory relationship

Reading this site, using a tool, joining a community, submitting a form, sending a message, or booking an introductory call does not create an advisory relationship. Advisory services are offered only to clients who enter into a written agreement with Wealth Habits.

Form ADV and firm disclosures

Wealth Habits provides its Form ADV brochure and related disclosures to prospective clients before any advisory agreement is signed. You can request a copy through our contact page. You can also search for investment adviser firms and public disclosure information at adviserinfo.sec.gov.

Investment risk

Investing involves risk, including the possible loss of principal. Equity compensation can create concentrated single-stock exposure, liquidity risk, tax timing risk, blackout-period constraints, and employer-specific risk. Past performance does not guarantee future results. No content here should be read as a promise, projection, or guarantee of any result.

Tax and legal matters

Tax and legal rules change and depend heavily on facts. Website content may become outdated, and simplified examples may omit details that matter to your return, plan documents, residency, or transaction. Wealth Habits does not provide legal advice through this website. Tax planning discussions, if any, are not a substitute for advice from your CPA, tax preparer, or attorney.

Examples, case studies, and calculators

Examples, case studies, calculators, estimates, and illustrations are educational. They may use hypothetical, composite, or simplified facts unless stated otherwise. They are not guarantees, projections, testimonials, or individualized recommendations. Actual results will vary.

No testimonials or endorsements

Unless a page clearly says otherwise and includes the required disclosures, statements on this website should not be treated as client testimonials, endorsements, third-party ratings, or performance advertising. Links to outside resources, tools, communities, or platforms do not mean Wealth Habits endorses every statement, service, or person connected with them.

Community discussions

If you join a community linked from this site, community posts and replies are educational discussions, not advisory services from Wealth Habits. Other members' comments are their own. Do not treat community content as advice for your situation, and do not post private account numbers, Social Security numbers, tax returns, passwords, or other sensitive information.

Fees and conflicts

Wealth Habits is fee-only. It does not sell financial products or receive commissions for selling insurance, securities, or investment products. Advisory fees, services, conflicts, and limitations are described in writing before a client signs an advisory agreement.

This site may invite some visitors to schedule an introductory call. That call may lead to a paid advisory relationship if both sides decide there is a fit and the required client documents are completed.

Third-party resources

This site may link to third-party websites, articles, tools, booking pages, newsletters, and community platforms. Those third parties are responsible for their own content, terms, privacy practices, and security. We include links because they may be useful, not because we control them.

Questions

Questions about these disclosures can be sent through our contact page. You can also visit the firm website for more information.