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Unlock Financial Advantages for Owners and Key Employees: The Power of Partnering with a Plan Advisor

By partnering with a plan advisor, you can streamline the management of your 401(k) plan, reduce stress, and focus on growing your business. A plan advisor provides specialized expertise, allowing you to offload complex tasks and ensure your employees enjoy a better retirement savings experience.

Everything outlined below is what any good plan advisor should do for you. But where we stand apart is our commitment to putting the business owner first. Unlike most advisors who focus heavily on employee benefits, we use a wealth management approach to dedicate significant time to identifying ways to maximize financial advantages for owners and key employees. The current system often favors employees unless you proactively work to shift the balance. Our goal is to help you navigate the rules and strategies that can tip the scales in favor of your business’s leadership, ensuring you get the most out of your 401(k) plan.

 

Here’s how a plan advisor can benefit you and your team:

Fiduciary Guidance: A plan advisor helps you navigate the complexities of fiduciary responsibilities, offering expert advice on selecting and monitoring investments while ensuring your plan complies with legal requirements. This guidance reduces your risk and provides peace of mind.

Investment Due Diligence: Conducting in-depth investment research can be overwhelming. A plan advisor simplifies this process, analyzing and recommending options that fit your plan’s goals and risk tolerance. Their expertise ensures a diversified investment lineup that benefits your employees.

 

Plan Design and Optimization: Your plan advisor works to optimize your 401(k) plan, aligning it with both your business objectives and employee needs. They help fine-tune features like contribution formulas and eligibility criteria to maximize participation and support retention.

Employee Education and Communication: A well-informed workforce is more likely to participate and succeed in your 401(k) plan. Your advisor will handle employee education by creating materials, hosting workshops, and offering personalized guidance, making it easier for your employees to make smart financial decisions.

Compliance Support: Staying compliant with ever-changing regulations is critical but can be time-consuming. Your advisor will manage compliance requirements such as disclosures, filings, and notices, helping you avoid penalties and keep your plan in good standing.

Benchmarking and Performance Monitoring: To ensure your plan remains competitive, your advisor regularly benchmarks its performance against industry standards. This process highlights opportunities for improvement and allows you to offer a 401(k) that truly benefits your employees.

Ongoing Plan Monitoring: Your plan advisor provides continuous monitoring and reporting, tracking key metrics like investment performance and employee engagement. This proactive approach allows you to stay informed while focusing on other priorities.

Partnering with a plan advisor provides you with the support and knowledge needed to manage your 401(k) plan effectively. By delegating complex tasks, you can reduce administrative burdens, improve outcomes, and offer a valuable retirement savings experience for your employees while focusing on maximizing benefits for you and your key team members.

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RUBIN WEALTH ADVISORS

Call Bob at (561) 288-1111
Email Bob at bob@rubinwa.com
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Matching Your Risk and Return: A Personalized Approach for Maximizing Your Financial Success
At Rubin Wealth Advisors, we believe that understanding your risk tolerance is the key to maximizing your financial potential. Traditional methods of categorizing risk with vague labels like conservative, moderate, or aggressive often lead to confusion. These terms can mean entirely different things to different people, which creates misalignment between your expectations and your investment strategy. That’s where problems can arise—and where opportunities can be missed.
 
We take a different approach. By using a precise, quantitative system to determine your Risk Number, we help you make informed decisions that directly benefit you. Your Risk Number is more than just a score; it’s a powerful tool that helps guide your financial strategy. If your Risk Number is 64, for example, both you and our team will know exactly what level of risk that involves and how it relates to potential returns. The guesswork is gone, replaced by clarity and confidence.
 
Here’s where it really benefits you: Understanding your Risk Number not only ensures that your portfolio is aligned with your comfort zone, but it also increases your chances of achieving a higher risk-adjusted rate of return over time. By matching your investments to your specific risk profile, you’re better positioned to optimize returns without taking on unnecessary risk—especially over a 3-5 year period, where market fluctuations can test even the most seasoned investor.
 
The process is simple and designed to serve your best interests. In just a few minutes, we’ll walk through a short conversation to determine your Risk Number. From there, we’ll craft an investment portfolio tailored specifically to you, ensuring that the level of risk is appropriate for your goals. This isn’t about avoiding risk entirely; it’s about taking on the right amount of risk so you can achieve the returns you need while remaining confident in your strategy.
 
By aligning your portfolio with your Risk Number, you gain the peace of mind to handle market volatility. You’ll know exactly how much downside risk is possible and what kind of upside you can expect. For example, a portfolio with a Risk Number of 64 might have a potential downside of -10% over six months but offers a possible 15% gain. This range helps you stay calm during downturns because you’ve already accounted for them, and it positions you to benefit when the market performs well.
 
We also stress-test your portfolio in various market conditions—such as economic downturns or inflation spikes—to ensure you’re always prepared. This proactive approach ensures your investments stay aligned with your risk tolerance, giving you the best chance for success regardless of what happens in the markets.
 
How does this benefit you? Managing risk properly allows you to maximize returns without exposing yourself to more risk than necessary. Over time, this careful balance increases the likelihood that you’ll achieve your financial goals—whether that’s building wealth, preparing for retirement, or preserving your assets.
 
At Rubin Wealth Advisors, a Boca Raton financial advisor, we’re committed to helping you achieve higher risk-adjusted returns. As a licensed fiduciary, we specialize in guiding clients through personalized wealth management strategies, ensuring your investments align with your long-term goals. Let’s work together to discover your Risk Number and build a strategy that sets you up for success over the next 3-5 years and beyond. Contact us today to get started.