Bob and his team of conservative financial advisors are committed to providing a higher level of financial, retirement, and estate planning to enable those we serve to succeed financially and enjoy a finer quality of life. Our values are based on maintaining the highest standards of honesty, transparency and integrity in everything we do for our clients and with our co-workers and partners.

Robert Rubin

Founder & President

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Bob Rubin, CLU, ChFC a trusted leader in the financial services industry with over 30 years of experience helping clients just like you. He is a sought after national speaker and expert on financial and estate planning, for individuals, families and business owners.

Your Financial Freedom Fighter

Bob Rubin is a proud American conservative who loves this country and the opportunities it provides. With an entrepreneurial spirit guiding him, Bob is a problem solver at heart.

 

Bob is the president and founder of Rubin Wealth Advisors. Like most financial advisors, Bob spends his days and nights thinking about his clients and their financial well-being.

 

But that’s not what makes Bob stand out from the crowd. Bob knows there are more challenges for individuals and business owners than ever before, especially with all the unnecessary Big Government regulations and taxes.

Bob is your Financial Freedom Fighter

He loves G-d, guns, family, and country. He understands freedom is one of the natural rights bestowed on us by G-d. He knows the Second Amendment protects the First. He knows that his reason for being begins with his wife and their three sons and extends to his friends, his clients and his country.

Find out more about Bob

David Cleary

CHIEF INVESTMENT OFFICER

David Cleary, CFA, is the President and Chief Investment Officer at Timber Point Capital Management, LLC.  Prior to founding TPCM, David served as the Chief Investment Officer at Crow Point Partners.  Before Crow Point, Mr. Cleary spent 23 years at Lazard Asset Management where he held a series of senior portfolio management roles over multi-asset and global fixed income strategies. Additionally, he served as the firm’s global head of fixed income, a $26 billion platform. Prior to Lazard, David worked at UBS and IBJ Schroder, mostly in fixed income asset management roles. He began working in the asset management field in 1987 upon his graduation from Cornell University, with a BS in Business Management and Applied Economics. Mr. Cleary holds a Chartered Financial Analyst (CFA) designation.

 

As RWA’s Outsourced Chief Investment Officer, David assists with investment research and portfolio construction while providing additional depth to our executive team.

Dan Rome

Dan is an attorney with over twenty-five years of practical experience in Securities Compliance, Marketing, Policy and Procedures as well as Risk Management. He has provided services to a variety of financial industries, including: Mutual Fund Companies, Insurance Agencies, Broker/Dealers, Investment Advisors, and Market Makers. He is an expert in communicating and creating an understanding of complex compliance issues to Corporate Principals and Individual Clients.

 

Dan is a Certified Six-Sigma Green Belt with DFSS, a past member of the AML Strategic Leadership Group, and a registered FINRA Arbitrator – A56372.  He previously held the following FINRA licenses: Series 7 – General Representative, Series 24 – General Securities Principal, Series 66 – Uniform Combined State Law Examination, Series 55 – Equity Trader, Series 79 – Investment Banking and has an active license to practice law in Pennsylvania. 

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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.