Who We Serve

At our financial advisory firm, we cater to politically conservative individuals and business owners who share our values of hard work, ambition, and straight talk. Our clients are often high-achieving, Type-A personalities who value performance and appreciate a no-nonsense approach to financial planning. They have big ideas and are willing to do whatever it takes to achieve success in their business ventures.


We recognize the unique challenges that successful individuals and business owners face when it comes to investing and financial planning. That’s why our team is made up of experienced financial experts who specialize in addressing these complexities. We’re committed to providing our clients with the personalized attention and customized strategies they need to achieve their financial goals

What does my exit look like?

“I’ve always envisioned selling my business and retiring at age 65. I’ve done a good job building the business, my retirement accounts and outside real estate but I’m not sure I want to retire now. I don’t think I’m going to run out of money, but I’m not certain, and I know I’ve outgrown some of my advisors.” -Michael

 

The choice to retire is both a financial and lifestyle decision. To properly plan for retirement, Michael wanted to have a clearer sense of what retirement means for him, where he stood financially and his long-term financial projections. Investors, like Michael, who are considering retirement turn to RWA to help project their retirement income and implement a realistic strategy that enables them to retire with greater dignity.

I beat the odds

“I started my business in a male-dominated industry 20 years ago. It wasn’t easy. Even my parents and closest friends said I was taking on too big of a challenge, but I was determined and I persevered. I hired dedicated employees, and we built long term relationships with our customers and vendors and moved the business forward with hard work and quality service. I didn’t go over, under or around the wall – I went right through it. Now I have the capital to do what I want to do. I’m approaching retirement, but feel uncertain about what retirement looks like for my family and for me.” -Michelle

 

SEP IRA, Solo 401k, Roth IRA. Small business owner like Michelle face a number of retirement options. They have full control over their businesses and turn to RWA to gain greater control over their retirement plans. We develop highly personalized retirement plans that maximize returns while considering each client’s goals, risk tolerances, financial circumstances, and contribution limits. Busy business owners appreciate our responsiveness, interactive quarterly reviews and technology that keeps them in touch with their accounts, 24/7.

Planning for a better exit

“I’ve been running my business for the last 15 years and mostly investing in the market through my retirement plans. I’ve done well over the past 7 years, but I really don’t have time to pay attention to it since I’m running my business. As a strong conservative, I’m concerned about the market, especially political and market risk. I don’t have as much time to spend on my portfolio as I do on my business. I need help. I need a partner that holds my worldview and I can trust.”  -Joseph

 

At RWA, we take a comprehensive wealth management approach to our 401(k) clients, with a special focus on the CEOs and key employees. We recognize the significant impact that a well-designed retirement plan can have on building wealth, and we’re dedicated to helping our clients achieve their financial goals.

 

We leverage our business acumen, connections, and strategic thinking to help business owners and key employees build significant wealth through their 401(k)s and other retirement plans. We provide straight-forward advice that is tailored to each client’s unique needs and goals, ensuring that they have the support and guidance they need to achieve financial success.

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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.