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Frequently Asked Questions

You’ve likely heard the familiar refrain: “Not all investment advisors are alike.” And indeed, it holds true. We are distinct, not just in surface-level differences, but also in the underlying values we embody. While other advisors may focus solely on discussing the types of investments they offer or their fee structure, there is an important aspect they fail to address: how those fees may be used against your best interests.

While many advisors claim to act in their clients’ best interest, they neglect to mention a critical factor. They may work contrary to the best interest of politically conservative clients by investing in companies that support a liberal agenda and utilizing the fees you pay to contribute to liberal causes. Clearly, this misalignment does not serve your best interest.

In contrast, I exclusively work with politically conservative clients because I am dedicated to upholding my commitment to act solely in their best interest. When you choose to work with me, Bob, you can trust that your values and interests will be fully understood and supported.

By fostering an environment where politically conservative individuals can freely express their beliefs, I aim to create a welcoming and comfortable space for you. This ensures that our partnership is grounded in shared values and a mutual understanding of what is truly important to you.

We work best with individuals and families who have $1 million or more in investable assets and want a thoughtful, hands-on approach to planning and investing.

Most of our clients are busy professionals, retirees, or business owners who want clarity, consistency, and a long-term strategy rather than reacting to headlines or chasing performance.

If you are looking for a relationship and not just someone to place trades, you will likely be a good fit.

Not always.

Many clients start by moving a portion of their portfolio, and we can also advise on outside accounts like 401(k)s. Over time, most clients choose to consolidate once they see the value of having everything coordinated in one place.

We are a fee-based advisory firm, meaning our compensation is primarily based on the assets we manage for you.

We do not get paid to push specific products, which helps keep our advice aligned with your best interests.

Our fees are typically in line with other independent advisory firms working with clients in the $1M+ range, and we are always transparent about costs before moving forward.

Clients initially come to us for investment management, but what they usually end up valuing most is everything that surrounds it.

That includes financial planning, retirement planning, tax-aware decision-making, portfolio construction and monitoring, coordination with CPAs and attorneys, and ongoing reviews to keep everything aligned.

What we often see is that once all of those pieces are working together, people feel a lot more confident about where they are heading.

The first conversation is simple and low pressure.

We will walk through your current situation, what you are trying to accomplish, and whether it makes sense to go deeper.

If it feels like a fit, we will outline next steps. If not, we will point you in the right direction.

Much easier than most people expect.

We handle the transfer process for you, coordinate with your current custodian, and keep everything organized so it is as smooth as possible.

Your assets are held at Schwab Institutional, an independent third-party custodian.

Schwab is one of the largest financial institutions in the country, with roughly $12 trillion in client assets, which provides a high level of scale, stability, and transparency.

You will have full access, visibility, and control over your accounts at all times.

Both.

We focus on financial planning, retirement planning, and tax-aware strategies, not just managing investments. The goal is to help you make better decisions across your entire financial picture, not just your portfolio.

Yes.

We focus on tax-aware strategies such as Roth conversions, withdrawal strategies, and investment decisions designed to reduce taxes over time.

We also coordinate closely with your CPA to make sure everything is aligned.

We do not prepare tax returns, but we can work alongside your CPA to help ensure these strategies are implemented correctly.

You can learn more here: Tax Planning

Absolutely.

In our experience, the best outcomes happen when your advisor, CPA, and attorney are all working together instead of operating in silos.

Our investment process combines disciplined strategy with a personalized risk approach.

We use an internal investment committee to guide decisions, along with a risk assessment process through Riskalyze that helps us measure your comfort level with risk.

That process gives you a quantitative risk score from 1 to 99, and we use that to align your portfolio with the level of risk you are actually comfortable taking.

A lot of people come to us after realizing their portfolio did not really match their risk tolerance. Our goal is to fix that and build something you can actually stick with over time.

Yes.

We operate as a fiduciary, which means we are legally obligated to act in your best interest at all times.

The RWA Advantage

If you are politically conservative, you’ll feel right at home with Bob knowing that you can speak freely about your beliefs. Let’s start a conversation about politics, your investments and a better future.

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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.