Understanding Your Vision is What We Do Best

According to a new study of businesses with 2 to 99 employees that was conducted by The Guardian Life Small Business Research Institute, only 45% of small business owners, managers and employees feel fairly well prepared for retirement. Two thirds fear they will outlive the money they have to retire on. One third indicated they don’t plan to retire until they are more than 70 years old. If this is your situation its time to change course. Find out how to retire on your terms and live comfortably by downloading our free white paper.

A Comprehensive Approach to Managing Your Wealth

We provide tax, financial, succession planning, wealth management, retirement and investment services to business owners, executives and high income earners.


Financial Planning

An effective financial plan starts with learning about you.


Estate Planning

Protect your family and leave a meaningful legacy.


Retirement Planning

Achieve a secure, satisfying and purposeful retirement.


Investment Management

Investment management is key to any long-term financial plan.


Financial Planning for Widows and Widowers

Find your way after a death of a spouse


401k Plans

Get a better retirement plan for your business.

Featured White Papers

How To Minimize Your Capital Gains Tax Burden

It’s no secret that the capital gains tax can hit investors hard. If the value of your stocks went up between when you bought and when you sold them, you’ll probably owe the government a chunk of your earnings. But for some Americans there’s a way to sell your stocks and not owe the government a penny in taxes. Find out how to minimize your capital gains tax by downloading our white paper.

What Portability Can (and Can’t) Do for Your Estate Plan

Portability is the name for a concept that allows the surviving spouse of a decedent to inherit his or her estate and gift tax exemption. It means that a couple can pass up to $10.68 million in assets to their intended beneficiaries without having to set up a trust. Find out if portability is the right strategy for you by downloading our free white paper.

6 Wealth Management Mistakes Small Business Owners Make

The world has changed dramatically in the recent decade, but the way most small business owners and their families prepare for harvesting their equity, preserve personal wealth and retirement nest egg has not. Find out why your missing out on opportunities for enjoyment and financial well-being while exposing yourself to unnecessary risks by downloading our white paper.

Helping Clients Meet Their Financial Goals And Objectives for 30+ Years

Small Business Owners

Entrepreneurs are often so busy with day-to-day business tasks that they neglect both their business’s financial planning needs as well as their own. That’s a huge mistake. Your personal finances are inextricably linked with your business, so your family’s financial plan needs to be integrated with that of your business. Creating and sticking to a financial plan now can help keep your business thriving and make sure you have enough to retire, meet your charitable goals, and effectively pass on assets to heirs.

Succession Planning

Your company is built to last. But when you are ready to step back and let go of the reins, will the next generation preserve your legacy? Life has a tendency to deliver some unexpected challenges. When it comes to your business, planning ahead for these unforeseen events is essential. Whether you choose to sell up, retire or have to separate yourself from your business due to health reasons, it’s important to plan for that day.

Tax Management

Effective tax planning requires an understanding of all different tax consequences, including, but not limited to, income tax rates, capital gains tax, gift and estate tax. The tax considerations of rebalancing a client’s portfolio are evaluated upfront as they ultimately impact a client’s investment return. We take a proactive approach to finding tax deductions and creating tax-advantaged solutions as part of your overall plan. We seek to protect your estate from potential tax erosion in future years.


Broker vs. Fiduciary: How the Fiduciary Standard Matters when choosing a
financial advisor to manage your investments

Why It Matters How Your Advisor Is Paid

Who gives you financial advice? Why does it matter how he or she is paid? Because it’s probably the most important thing determining the quality of advice you receive. Brokers sell financial products. Their standard of fiduciary care is a “suitability” standard. This lower standard of care means they can benefit more from product sales than the client – as long as their products are very broadly considered to be “suitable,” they’re OK to sell.

A better way to receive investment advice, management and financial planning is to work with professionals who are required to put your needs before their needs. An advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with clients because he/she is required to act with undivided loyalty to the client. Find out why this matters to you by watching the video to your right.

Investment advisory services provided by Werba Rubin Papier Wealth Management, LLC ("Werba Rubin Papier").