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Investment Management

Investing is more than just accumulating wealth.

You’ve worked diligently to build your financial assets, and now it’s time for your money to work for you. At Rubin Wealth Advisors, we understand that your financial well-being is paramount. As fiduciaries, your interests always take precedence over ours. Our primary focus is to help you achieve what matters most to you.

 

The Rubin Wealth Advantage

We recognize that your financial goals are unique, and our role is to identify and define them, allowing you to transform your vision for the future into a reality. Throughout our partnership, you’ll establish personal connections with your dedicated financial advisor. Additionally, we provide tools to track your progress along your financial journey, giving you transparency and control over your financial path.

 

The Politically Conservative Aspect of Our Firm and Its Implications for You

When it comes to your investments, our focus is on reducing exposure to companies that may not align with your conservative values. We understand that perfection is elusive in the world of investment management, but we strive to minimize the influence of companies with strong progressive leanings in your portfolio.

 

Our goal is to reduce the “wokeness” in your portfolio by approximately 10%.  Going beyond this threshold could potentially compromise returns, so we aim for a balance that aligns with your values while maintaining financial viability. For example, we may avoid investing in Google while considering Microsoft, understanding that most companies tend to lean left, and our aim is to eliminate the most objectionable ones.

 

In the realm of fixed income, if municipal bonds are deemed necessary for your portfolio, rest assured that we exclusively select bonds from states that align with conservative principles. You won’t find bonds from states like Illinois or California in your portfolio, as we focus on bonds from states that share a conservative ideology, ensuring that your investments mirror your values.

 

Account Minimum

At RWA, we maintain a combined minimum account size of $1 million, emphasizing our dedication to serving clients with substantial financial resources. This threshold enables us to provide the personalized attention and tailored financial solutions that our clients deserve, ensuring a secure financial future for you and your family.

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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.