With success comes complexity. It can be challenging to get an accurate picture of where you stand. And that may mean lost opportunities – as well as possibly compromising your future goals.

At Werba Rubin Papier, we specialize in bringing all the disparate components of your financial situation into alignment. We work with top Bay Area professionals to help guide your financial success: your investments, your taxes, your present and future cash flow needs, and your wealth transfer opportunities are all taken care of by dedicated, financial professionals.

The critical financial areas we help you address include:



Retirement Planning

  • Balancing your current and future needs
  • Maintaining your lifestyle in retirement
  • Estate planning opportunities with retirement plans

Tax Planning

  • Effective stock option exercise strategies
  • Charitable trust planning and structuring
  • Tax reduction strategies

Education Funding

  • Helping fund the education of your children – or even your grandchildren
  • Tax-Efficient educational funding
  • 529 Plan

Income & Asset Protection

  • Income replacement insurance
  • Long-term care insurance
  • Asset protection

Investment Consulting

  • Preservation and growth potential of your investments
  • Written Investment Policy Statements
  • Tax-Efficient investment options Estate Planning
  • Preservation and growth potential of your investments
  • Written Investment Policy Statements
  • Tax-Efficient investment options



  • Comprehensive analysis of current strengths and weaknesses
  • Assessment of current fee structure
  • Discover the goals of management for the retirement plan


  • Familiarize plan administrators with new software
  • Teach participants about new system and investment options
  • Work with the new retirement vendors to facilitate smooth transition


  • Alternative retirement structures when appropriate
  • Develop proper equilibrium between company finances and employee benefits
  • Reduce liability by maximizing use of ERISA 3(38) fiduciary


  • Use Smartplan to help participants choose appropriate risk based portfolios
  • Provide annual meetings live and/or via webinar on market updates
  • Annually review the plan to ensure that it grows with the company

401k Plans

Retirement Plan Fiduciary Services

We serve as an ERISA §3(38) Investment Manager for 401(k), 403(b), and defined benefit plans. Our team has been advising on corporate sponsored retirement plans for over 30 years. We bring a wealth of experience and expertise to both plan sponsors and plan participants.


Plan Sponsor

Start a 401k plan your organization deserves

Being a business leader today is fraught with liability; do not let your retirement plan overexpose your personal assets. We are dedicated to improving your plan to ensure that it serves the needs of management and of the plan participants. Working closely with plan administrators our clients can always reach out to us for assistance whether it relates to payroll questions or distributions. We invite you to get a second opinion of your plan. The laws have changed, is your plan changing with them? For current clients, please use the link to the left to log in to the sponsor side of ExpertPlan.


Plan Participant

Manage your retirement with a click of a mouse.

Your retirement plan options may seem complicated, but Werba Rubin is here to help. Our advisors have been involved in client education for over thirty years, and are dedicated to making sure that you are matched with the proper portfolio. Our managed portfolios are designed for all types of investors from very conservative through aggressive. Of course, you can access your account information, and change your portfolio any time of the day

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