We founded Rubric Advisors to help professionals, families, and retirees navigate the complexity of finances, taxes, and investing—so they can focus on what truly matters in their lives.

We measure our success not by market headlines, but by the impact we have on our clients. Sometimes that impact is tangible: helping a client exercise stock options in a tax-efficient way, or expanding access to investment opportunities that would otherwise be out of reach. Other times, it’s quieter but just as meaningful—providing the confidence to retire comfortably, the clarity to make informed decisions, or the peace of mind that a family’s future is thoughtfully planned.

If you’re looking for disciplined, independent guidance built around your goals, we invite you to start with a complimentary consultation.

What does not change:

• You continue to own your accounts and assets.

• Your custodian and account structure remain the same.

• You are never locked into products or platforms.

• You retain full access and control at all times.

What changes:

Centralized access to your finances

You’ll have a single, secure place to view your accounts, investments, and planning information—rather than juggling multiple statements or logins.

Clearer portfolio visibility

You can see how your accounts fit together as a whole, including asset allocation and progress toward your goals, instead of viewing investments in isolation.

Easier access to information

Balances, holdings, and reports are available on demand, so you don’t need to wait for paper statements or reach out for routine updates.

More transparent reporting

You’ll receive clear, easy-to-understand summaries of your portfolio and planning progress, designed to support informed decisions rather than overwhelm you with data.

Dedicated advisor guidance

You work with a dedicated financial advisor who provides ongoing, fiduciary-based guidance as your plan is implemented and reviewed over time.

Secure communication and document sharing

Important documents, reports, and messages are shared through a secure platform, reducing reliance on email and improving privacy.

We currently support Charles Schwab, Interactive Brokers and Altruist.  

No, you can move the holdings via ACATs to your account at our supported custodians.  Typically this takes about 2-3 days.  However, it can take up to a week for tax lots and cost basis information to get delivered by the sending broker.  Therefore, we wait until all the information on the transferred account is available with the new custodian before taking any action.

And we offer you access to your data from any device – laptop, tablet, or smartphone.  Here is an overview of what we provide:

Personalized Dashboards
Access a customized dashboard that gives you a clear snapshot of your wealth – anywhere, anytime. Track all your financial accounts one easy-to-understand interface to track your wealth.

Investment Monitoring
Track your asset allocation, monitor your investment performance, and understand your portfolio risks.  

Your Wealth Plan
Track your progress towards your life’s goals. Review your assets, liabilities, income, and expenses all in one place. Visualize “what-if” scenarios to better understand how different decisions might impact your financial future. 

Security You Can Trust
Enjoy peace of mind: know your financial information is always secure and accessible.  

We believe that wealth management should support real lives, not abstract market outcomes. We focus on aligning portfolios with personal goals, evolving circumstances, and long-term priorities—so financial decisions remain connected to what matters most.

We believe your wealth plan is the foundation of our relationship. We use your plan as a road map to help manage and grow your wealth.

Our approach is comprehensive: planning is an ongoing process that evolves with your changing needs and with the world around you. 

We seek to protect and grow your capital while constructing a portfolio aligned with your objectives. In a world of uncertainty, we rely on rigor, discipline, and process. We challenge the status quo, and we form our own opinions based on quantitative and qualitative analysis. We approach the investing landscape with both skepticism and confidence. 

We focus on long-term investment strategies intended to grow your wealth, and we seek to curate public and private investments that offer the best risk and return profiles.  

We believe in prudent diversification. We seek to optimize risk-adjusted returns while incorporating the effects of fees, taxes, and other real-world considerations.

We believe private market strategies, when appropriate, can play an important role in complementing public equity investments.

We use proprietary models and tools to research investments and diversify across asset classes appropriate for your circumstance.  We monitor our recommendations closely, and we adjust as circumstances change.

Our secure platform offers real-time access to your full financial picture, with custom dashboards and detailed reporting.

Our digital experience is built on modern wealth management tools, providing you with transparent access to your full financial picture. We give you the ability to monitor and manage your wealth on a secure, customized platform with personalized dashboards and detailed reporting. 

Whether you need a quick snapshot or in-depth analysis, you’ll always have clear, up-to-date insights at your fingertips.  If you feel you don’t understand something, feel free to call us or setup a time with us and we’ll be happy to go through with you.

With our wealth management services, you can expect:

A Clear, Complete Financial View

We provide modern wealth management tools that bring your entire financial picture together in one place. Through intuitive planning and reporting tools, we help you visualize your wealth, understand trade-offs, and build a comprehensive financial plan grounded in your goals.

Confidence Through Market Cycles

Our disciplined investment approach is designed to provide perspective during periods of market volatility. We help you stay aligned with your long-term strategy while thoughtfully evaluating opportunities that may arise along the way.

Peace of Mind Through Discipline

By anchoring your wealth strategy to your unique objectives, risk profile, and time horizon, we help reduce uncertainty and stress. A clearly defined plan and disciplined execution allow you to navigate markets with greater confidence and calm

Trust Built on Transparency

We believe trust is earned through transparency. We clearly explain how portfolios are structured, how decisions are made, and why changes occur—so you understand not only what is happening, but the rationale behind it.

By data-driven, we mean that our investment decisions are guided by data and disciplined analysis rather than narratives/stories. A data-driven approach allows us to evaluate risk and opportunity systematically and remain consistent through changing market conditions.

Our data-driven process emphasizes:

• Systematic evaluation. We use scenario analysis and planning tools to chart the right course for you. We use proprietary investment models to evaluate stocks and ETFs and inform portfolio construction by thoughtfully balancing risk and return.
• Asset class interaction. We assess how asset class exposures interact, how correlations evolve over time, and how risk is expressed at the stock, ETF, and portfolio level.
• Disciplined decision-making. We establish clear analytical guardrails around portfolio design, monitor portfolios on an ongoing basis, and rebalance when allocations drift meaningfully from targets.
• Reducing behavioral bias. We rely on data to support unemotional, consistent decision-making — particularly during periods of market volatility or uncertainty.

Ultimately, a data-driven approach prioritizes rigor over guesswork, helping clients remain aligned with their long-term objectives even when market noise or emotion might otherwise lead you to make costly mistakes.

At Rubric Advisors, personalization means designing investment strategies around your unique objectives, circumstances, and constraints – rather than applying a one-size-fits-all approach. Financial decisions are inherently personal, shaped by goals, time horizon, risk tolerance, and liquidity needs.

Our personalized approach focuses on:

• Client-specific objectives drive portfolio design. We use financial planning suite of tools to model the glide path to your goals and design portfolios intentionally based on your objectives, time horizon, and risk tolerances. 
• Risk tolerance and liquidity alignment. We incorporate your ability to withstand market volatility and access to capital when needed during the portfolio construction process. 
• Long-term commitment through market cycles. We structure portfolios to stay invested and resilient rather than react to short-term market moves.
• Ongoing review and evolution. We monitor client objectives periodically, perform additional financial planning and adjust as goals, circumstances, or constraints change.

By aligning portfolios with individual goals and risk capacity, we help clients remain focused on long-term outcomes rather than short-term market moves.

Diversification is a foundational principle of prudent wealth management. We view diversification not as a guarantee against loss, but as a risk management tool designed to reduce reliance on any single investment, asset class, or market outcome to build your long term wealth.

Our approach to diversification focuses on:

• Multiple sources of return. We balance your exposure across public and private markets, asset classes and investment styles to reduce dependence on any single driver of performance.
• Managing uncertainty across market environments. We construct portfolios to perform across a range of economic conditions, recognizing that markets are influenced by many unpredictable forces.
• Understanding interaction effects. We evaluate how different assets behave together, particularly during periods of market stress when correlations can change and diversification benefits may narrow.
• Ongoing monitoring and rebalancing. We review portfolios and rebalancing as needed to help ensure diversification remains aligned with portfolio goals and risk parameters.

Diversification does not eliminate risk or prevent losses. However, by thoughtfully diversifying exposure across asset classes, we can reduce concentration risk and improve portfolio durability through evolving market conditions.

We believe taxes are an important and often overlooked component of long-term investment outcomes. A tax-efficient approach focuses on helping you retain more of what you earn, while remaining aligned with overall investment objectives, risk tolerance, and liquidity needs.  We work with your trust/estate attorneys or with our estate attorney partners to implement the estate plan that is unique for your circumstance.

Our tax-aware approach focuses on:

• After-tax outcomes. We consider the impact of taxes as part of the investment process, without prioritizing tax minimization at the expense of sound portfolio construction.
• Thoughtful portfolio design. We evaluate how investment selection, turnover, and rebalancing decisions may affect after-tax results over time.
• Tax aware asset selection. We assess which types of investments may be more appropriate for taxable versus tax-advantaged accounts, within a disciplined portfolio framework.
• Ongoing attention and coordination. We recognize that tax laws and individual circumstances evolve, and monitoring portfolios over time to remain aligned as conditions change.

Tax-efficient investing is ultimately about balance and perspective. By thoughtfully incorporating tax considerations into the investment process, we aim to help clients pursue their long-term goals in a more informed and holistic manner.

Risk is an inherent part of investing. Being risk-aware means recognizing and understanding risk, rather than attempting to avoid it entirely. While risk cannot be eliminated, it can be evaluated and managed in ways that align with each client’s objectives, time horizon, and capacity for loss.

Our risk-aware approach focuses on:

• Understanding risk in multiple dimensions. We evaluate risk beyond short-term market volatility, including concentration risk, liquidity risk, inflation risk, and the risk of not meeting long-term financial goals. We use monte-carlo simulations to model scenarios to give you a distribution of outcomes for your plan.
• Aligning risk with client circumstances. We incorporate each client’s risk tolerance, time horizon, and financial situation to determine how much risk is appropriate and how portfolios should be structured.
• Designing portfolios for varied market environments. We recognize that different economic and market conditions produce different outcomes, and we construct portfolios intended to function across a range of scenarios.
• Disciplined risk management and oversight. We manage risk through purposeful portfolio construction, diversification, and ongoing monitoring to help ensure exposures remain aligned with intended targets.
• Setting realistic expectations. We help clients understand that market volatility, drawdowns, and periods of uncertainty are unavoidable, and emphasizing long-term perspective over short-term reaction to events.

A risk-aware approach is ultimately about balance and preparedness. By thoughtfully managing risk within a disciplined framework, we seek to build portfolios that can navigate uncertainty while remaining aligned with what matters most to each client.