Effective retirement plans for you and your employees.

What sets Bob and his team apart from other 401(k) plan advisors is their unique wealth management approach to 401(k) plans. Unlike traditional advisors, they focus on optimizing benefits for top employees while ensuring compliance with rules and regulations, all while prioritizing the well-being of non-highly compensated employees. Additionally, they implement investment models within most 401(k) plans, mirroring the sophisticated models offered to their high-net-worth private clients. They offer an array of 401(k) management services and established Your401kSource.com, a sister company that provides quality plans backed by exceptional client service to conservative business owners just like you. In addition to guiding your personal retirement, Bob and his team of 401(k) financial advisors will help establish and implement 401(k) plans for your employees. We specialize in plans that have between two and 25 million dollars of assets. In that asset range, we provide a selection of quality plans that fit most budgets and objectives. We provide onboarding services, proactive and ongoing education, and continued support to help them make successful retirement decisions.

Providing retirement benefits is fundamental to recruiting, rewarding, and retaining high performing employees. From past experience, many business owners believe they don’t have the staff or funds to provide a retirement plan to their employees. However, establishing a quality, diversified 401(k) is no longer out of reach – and can go a long way in securing you and your employees’ financial futures.

 

Not sure of where to even start asking the right questions? Download our PDF (View PDF)  outlining the more important components that go into making a successful 401(k) plan.  

WE’RE HERE TO MAKE YOUR JOB EASIER.

Managing your company’s 401(k) plan is just one of your many responsibilities. For this important task, don’t go it alone. Our financial experts will provide you with a selection of quality 401(k) options that are on target to meet your needs, goals and budget. We’ll help you automate the connection to your payroll provider to reduce errors and reduce your clerical workload. We will guide you every step of the way to avoid pitfalls, stay in compliance and provide pro-active ongoing employee education and support.

Fee Transparency

Automate Administration

Best-in-Class Options Expert Support

Compliance Guidance and Monitoring

Employee Education and Engagement

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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.