As a solid conservative, your need to know that Most Advisors are not working in you Best Interest

You’ve heard it a hundred times: “Not all 401K plan advisors are alike.” Which is true. We are not all alike, and in more ways than those ads want to talk about. So instead, they talk about the kinds of investment choices, record keepers, and Third Party Administrators, they help you navigate the right choices for your company. 

 

While they all claim to “only work in the best interest of their client,” they omit some facts.  For example, many plan advisors work on a commission basis not a fee basis.   They work to put your plan in Autopilot to reduce their efforts such as not actively holding employee enrollment and investment meetings.  Many plan advisors don’t benchmark your company plan every three to five years which provides you visibility, and accountability on the required service levels you deserve.  They may not have the best interest of the owner’s financial needs nor their politically conservative viewpoints.  

 

Not at all in your best interest.

 

I only work with politically conservative business owners because I want to be true to my oath to only work in the best interest of my clients. So, what you get when you work with me is an investment strategy that has a politically conservative point of view.  

Contact me today!

THE RIGHT 401(K) PLAN. LESS RISK. NO SURPRISES.

Save time, lower your costs and avoid compliance risks by putting our 401(k) experts to work for your company. We’ll suggest the solutions that are the best fit for your company, your employees and budget.

LEVERAGE YOUR401kSOURCE.COM FOR THESE BENEFITS WITHOUT PAYING MORE IN FEES:
  • Transparency – Receive fee transparency with no 12B1 fees or hidden compensation.
  •  Better Options – Gain best-in-class provider and investment options. We’ll find and suggest the plans that are the best value and fit for you.
  •  Lower Risk – Ongoing compliance and administration equals lower liability and audit costs.
  •  Service – Receive ongoing employee account service, support and education.
  •  Save Time & Money – Your401kSource.com will do the heavy lifting, streamline the process, and provide better options – while saving you money. 

The your401ksource.com advantage

Quality Delivery and Customer Care… Bob and his your401Ksource team takes care of my company plan.

Rubin Wealth Advisors has been managing my companies 401K plan for six 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

CEO ​

All-Tag Corporation ​

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.