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Retirement Planning

Empower your future with a plan that reflects your politically conservative values and aspirations.

Whether your retirement is on the horizon or still a distant goal, it’s vital to have confidence in a plan that aligns with your vision and long-term objectives. Bob and his team will work closely with you to understand your unique circumstances and desired outcomes, gathering essential financial details to create a comprehensive understanding of your current situation and future aspirations.

Whether you dream of traveling, acquiring a second home, structuring asset sales or business transfers, or securing a lasting legacy for future generations, we are dedicated to developing a targeted strategy that paves a clear path to achieving your personal and financial goals. With our expertise and conservative approach, we aim to help you build a better tomorrow.

To further enhance your retirement plan, we harness the power of Riskalyze—a cutting-edge technology that assesses your risk tolerance and provides a quantifiable risk score. This powerful tool removes ambiguity, ensuring that your investments align with your comfort level. With Riskalyze, you gain valuable insights and make informed decisions based on a comprehensive understanding of your risk appetite, empowering you to navigate the financial landscape with confidence.

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Personalized Wealth Planning to Simplify Your Finances

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.