You've heard it a hundred times: "Not all investment advisors are alike." Which is true. We are not all alike, and in more ways than those ads want to talk about. So instead, they need to tell you the kinds of investments they put you in. How they charge fees and not commissions. Which is good. But what they don’t tell you is how they are using the fees you pay against you.
While they all claim to "only work in the best interest of their client," they leave out one crucial fact. They work AGAINST the best interest of their politically conservative clients by investing in companies that support the liberal agenda and using the fees you pay to donate to liberal causes. Not at all in your best interest.
I only work with politically conservative clients because I want to be true to my oath to only work in the best interest of my clients. So, what you get when you work with Bob is someone who understands your best interests and fully supports them.
If you are a politically conservative person, you will feel at home. That you can speak freely about your beliefs
You may already know, and that's why you're here. A quick way to check is to ask your advisor or broker their view on environmental, societal, and governance (ESG) investments. About the political causes their firm supports. Ask your broker or advisor their opinions on the last election cycle. See if you directly own any of the following companies in your portfolios.
The list above is not all the “woke” companies you should own. But it is a good start. In addition to owning those companies, you can ask your broker or advisor a few questions:
If you don’t want to ask them directly, google your firm’s name and ESG.
Does your firm -newsletter, and website promote ESG and other liberal agendas?
You are the right client if you are politically conservative and not fooled by the progressive agenda. You have at least 1MM in investable assets. You want your money managed thoughtfully, risk-appropriately, safely, and professionally. You are worried about having your fees go to progressive causes. And you are concerned about working with a liberal advisory firm or broker. Finally, because of our attention to each of our clients, we limit our clients to those with at least 1MM in investable assets.
It's easy. All you have to do is provide us with your statements and some basic information; we will complete the three documents for your signature via DocuSign. Then, we take care of the rest. After that, the money is directly transferred from your old account to your new Schwab account.
Schedule a call so we can learn more about you and your family. We want to know about your financial goals, needs, and wishes. We must understand what you are trying to accomplish, what's working, and what's not, so we can help create a financial and investment plan to achieve your goals.
Click here to schedule a call
Yes, We act on behalf of others and are obligated to put your interests first.
What is the difference between a financial advisor who is a fiduciary and a broker or registered representative? A financial advisor who is a fiduciary is obligated to put your interest first. A broker, who earns commissions, uses what is called the suitability standard. This standard of care does not require them to put your interest first.
Fees, not commissions. We charge a percentage for the assets under our management according to a schedule outlined in our Investment Advisory Agreement. Our prices range from .35% to 2.0% annually, billed every quarter, based on the value of your account(s) on the last quarter's day. As fiduciaries, we do not promote products and services that provide other advisors commission payments. RWA sticks to the basics and focuses on your needs. We only work on your behalf and as your assets grow we both win.
The more complex your life becomes, the more likely it will be that you'll benefit from a personal relationship with a financial advisor. For example, once you've begun your profession, started paying taxes, have needed to save and grow assets to provide for retirement, have a home or want to own a home, get married, have children, and so on, you'll enjoy the benefits of having a financial plan created by a qualified financial advisor. Ideally, the financial advisor would also be an experienced investment manager.
Wealth Management is very similar to "investment management" or "asset management." But, generally, it encompasses a broader range, including investments in real estate, an art collection, and other contributors to personal wealth that aren't usually considered investments or assets in the sense of equity and debt instruments.
Your assets are held at Schwab Institutional, one of the largest 3rd party custodians in the world. Charles Schwab has over 6 trillion dollars of client funds on their platform. RWA does not have custody of your assets.
Furthermore, our partnership with Charles Schwab Institutional offers our clientele the following:
Utilizing Schwab Institutional provides our clients privacy, security, and transparency on investment performance, fees, and when transactions occur.
Retirement planning begins at any age and consists of three primary components,
1) setting money aside regularly in a tax-advantageous way.
2) taking advantage of an event that provides you with large sums of money and resisting the urge to spend it now, instead investing it towards your retirement.
3) making intelligent investment decisions to grow this money to provide oneself with a stream of income later in life upon retirement.
All this is provided with a detailed understanding of tax law, long-term investment strategies, product selection, and risk analysis.
People have asked us why we specialize in politically conservative people. People assume that we are attacking or "owning" the liberals. This is not true. This specialty of ours is a defensive move. It was made in reaction to the left canceling conservatives from using many different types of business. There are thousands of cases of conservatives being de-platformed from banking, tech, or even health clubs. They are even being kicked out of coffee shops and restaurants. So we decided to be a comfortable place for politically conservative people to invest their money.
Nobody can predict the market. But we do know that over time the market has gone up. We take that basic philosophy and apply it to your portfolio. Your risk tolerance starts the process. We build your portfolio that matches your risk tolerance and your need for funds to meet your financial goals.
We recognize that people are individuals and that each of us has a unique tolerance for investment risk. That's why we selected Riskalyze to help us measure your risk. Over the last 12 years, Riskalyze has proven to be an accurate measure of risk tolerance. When we use Riskalyze, we schedule a 15-minute interview, putting you through a risk assessment process. At the end of the process, you will have a risk score ranging from 1 to 99, with one being the lowest and 99 being the highest tolerance for risk. We will use this risk score to help allocate your portfolio so you and I can sleep at night.
To find out more: click here
Yes, Estate Planning is the process of preparing for the transfer of one's wealth to family, friends, charities, etc., upon one's passing. The most important reason to set up an estate is to minimize the taxes paid on the transfer of assets upon death.
Estates are also set up to provide specific instructions on how one's wealth is used to care for that person into old age when they might.
Ask us anything, we are here to help!
Call Bob @ (561) 288-1111
Email Bob @ Bob@RubinWA.com
Or schedule a call below!