The RWA Way

A personalized and comprehensive approach to wealth management

Wealth management encompasses more than just your portfolio, but that’s a big part of it. Our team is also available to provide assistance with retirement planning, tax planning, insurance needs, estate planning, and planning for college expenses.

The RWA Way

Your goals, dreams, and needs are uniquely your own – and the roadmap to get you there should be as well. That’s why we get to know you, what is important to you and where you envision yourself in the future. Only then do we develop a customized wealth strategy that is personalized to your situation. Whether you are accumulating wealth, protecting against risk, planning for retirement or creating your legacy, Bob and his team will help you chart the course to a stronger financial future.

Bob laughing with a client while talking about investments.

A personalized and comprehensive approach to wealth management

Bob laughing with a client while talking about investments.

Wealth management encompasses more than just your portfolio, but that’s a big part of it. Our team is also available to provide assistance with retirement planning, tax planning, insurance needs, estate planning, and planning for college expenses.

Your goals, dreams, and needs are uniquely your own – and the roadmap to get you there should be as well. That’s why we get to know you, what is important to you and where you envision yourself in the future. Only then do we develop a customized wealth strategy that is personalized to your situation. Whether you are accumulating wealth, protecting against risk, planning for retirement or creating your legacy, Bob and his team will help you chart the course to a stronger financial future.

Bob Rubin with a client talking about wealth management.

Trusted fiduciaries managing your investments

Your investment management needs should be handled by an advisor you can trust. As fiduciaries acting out of a legal and moral capacity, it is our job to place and serve your best interest ahead of our own.

Financial advice should always be in your best interest. Period. The important financial decisions in your life are more than just numbers. They reflect your values, priorities, and goals. As fiduciary financial advisors, our team will help you navigate through important life and business decisions.

Bob Rubin with a client talking about wealth management.

Trusted fiduciaries managing your investments

Your investment management needs should be handled by an advisor you can trust. As fiduciaries acting out of a legal and moral capacity, it is our job to place and serve your best interest ahead of our own.

Financial advice should always be in your best interest. Period. The important financial decisions in your life are more than just numbers. They reflect your values, priorities, and goals. As fiduciary financial advisors, our team will help you navigate through important life and business decisions.

We take a holistic approach to your wealth management needs

Our wealth management services start by us getting a top-down view of your situation. Only then can we start to provide any recommendations.

Investment Management

Retirement Planning

Tax Planning

Insurance Needs

Estate Planning

College Planning

Staurt Seidel ALL-Tag

Rubin Wealth Advisors has been managing my companies 401K plan for five years. As the business owner, I rely on Bob and the RWA team to create high-quality 401K plans for my employees. I value the fact that Bob operates the 401K business through the optics of his wealth management practice, which focuses on maximizing owner return without sacrificing any benefits for my employees.
Here at ALL-TAG, our 401K plan is used as a compensation instrument to recruit, retain, and reward our staff. That said, Bob’s ability to explain and simplify our 401K plan to the employees has directly impacted increased employee participation and contributions.

Stuart Seidel

How we do it - A Multifaceted Approach

The Big Picture - RWA's Investment Committee
We have assembled a team of investment professionals who meet on a formal basis at least monthly, but are in contact on a less formal basis throughout each month.

Our team looks at current, historical, and projected macro-economic trends and statistics, and then uses that data to help frame what we expect and how that should impact the positioning of investment decisions.

With the market volatility we have seen over the past couple of years, the committee has been instrumental in setting the course.
Investment Models - The Framework for Building Portfolios
The investment professionals at Rubin Wealth Advisors have constructed a suite of investment models. Each model is designed to be suited for a specific target risk profile and/or stage of life. The models are reviewed and adjusted on a regular basis. Changes are made based on input from the investment committee, historical and anticipated trends, drifts in the risk profile of underlying assets, and a number of other factors.

Many of the underlying investments we select for each model are held by more than one model but in varying proportions based on the model’s risk profile.
Customization to Suit Each Client's Specific Needs
We spend time with each client to assess their needs and tolerance for investment risk before investing their assets. That process starts with getting a comprehensive understanding of the client’s financial situation and then guiding clients through an investment risk assessment.

We use Riskalyze to quantify each client’s risk score. Riskalyze is built on a Nobel Prize-winning framework that quantifies the semantics of the financial advice industry, replacing confusing and subjective terms like “moderately conservative” and “moderately aggressive” with the Risk Number®, a number between 1 and 99 that pinpoints a client’s exact comfort zone for downside risk and potential upside gain with a 95% Probability Range.

Once that’s complete, a portfolio is selected specifically for each client.
Ongoing Monitoring - Things CAN and DO Change Over Time
Conditions with the markets and economics can change. We adjust model portfolios when determined appropriate.

Client portfolios can drift from target allocations. Each client portfolio is reviewed on a regular basis and systematically rebalanced if it drifts too far from the target.

Client circumstances can change. We are available to assist clients adapt to those changes. We will also periodically revaluate your investment risk tolerance because even without a significate life event, that can change over time.
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Book a call with Bob Rubin your financial freedom fighter today.

Send us a message or schedule an appointment.

Every journey starts with a conversation.

Send us a message or schedule an appointment.

Bob Rubin, CLU®, ChFC®

President & Founder

Building Lifelong Bonds with our Clients

“We aim to take a more personal approach and build relationships with all of our clients. Our level of service and attention to detail is designed so that we can treat every client as if they’re our only client.”

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