Bob Investment Philosophy: Heart and Science

Bob takes a “Heart and Science” approach to working with his clients, their families and their investments.

 

The Heart of The Bob Rubin Way.

 

The Heart aspect centers around building long-term relationships with clients starting with gaining a true understanding of where they are in life and their short and long term goals. Bob’s politically conservative approach to life, family and investments provides a comfortable basis for client’s knowing that they are in good company when it comes to discussions about their family, business, politics, goals and all factors financial.

 

The rest is all Science.

 

Bob carefully discusses risk and vulnerabilities with his clients, takes each client through Riskalyze to learn learn their unique objective risk tolerance score and evaluates, adjusts or develops their portfolio to ensure it is in alignment with their goals, risk tolerance and philosophy. Bob and his team utilize both fundamental and technical analysis and partners with some of the best money managers in the business to diversify and mitigate risk in each of his client’s investment portfolios.

BETTER 401K SOLUTIONS

ADVISORS YOU CAN TRUST

RUBIN WEALTH ADVISORS: A LEADER IN 401K

RWA ADVISORS

We’re not your typical financial advisory firm. RWA Advisors is a group of financial experts, consultants, advisors and client advocates driven each day to help others build a more secure financial life. We shoot straight and are in it for the long term.

 

Retirement investing has become the backbone of how Americans are securing our futures. We take that very seriously which is why we specialize in providing better 401(k) plans.

REIMAGINE YOUR 401(k)

The size of your company shouldn’t determine the quality of your 401(k) plan or level of service you receive. Regardless of your company’s revenue or number of employees, we will tap into options and reimagine benefit possibilities previously only available to larger businesses.

RELATIONSHIPS MATTER

Our clients become our friends and extended family. We go above and beyond to ensure that they understand their options and receive ongoing education and support. We take a holistic approach in working with companies and their employees so that we know that the solutions we offer are right for them, their goals and risk tolerance.

WE HAVE YOUR BACK

We provide fee transparency, keep you in compliance, provide ongoing education and support and can handle any issue you throw at us. With RWA Advisors, you’ll receive the added benefit of being plugged into our extended network of some of the brightest minds and most connected professionals on the planet. Are you dealing with a legal, medical, public relations or other non-financial challenge? We can help or connect you with someone who can.

LEVERAGING TECHNOLOGY

We leverage intelligent technology to watch trends, provide real-time information, add
efficiency, keep your company in compliance and make your financial life easier and more
informed.

YOU’RE IN GOOD COMPANY

Founded by Bob Rubin, our history dates back to 1985. Today we have the honor of serving the retirement needs of employees of businesses with $5 million to more than $400 million in revenue. Respected companies like Applied Training Systems, All-Tag, Netuno USA and Telit IOT turn to us for their retirement and investment needs.

Scroll to Top
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.