AN INTEGRATED APPROACH TO YOUR GOALS


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:

WEALTH MANAGEMENT

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Retirement Planning

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

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

RETIREMENT PLAN CONSULTING

Review

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

Implement

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

Design

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

Education

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