Institutional-grade wealth management. Built around your biggest decisions.
Fee-only wealth management for individuals and families, with a focus on concentrated company stock, acquisitions and IPOs, and the transition to retirement. Led by a former Chief Investment Officer with nearly two decades in institutional investment management.
Concentrated Stock“I hold a lot of company stock”
RSUs, ESPP, or options have left much of your net worth in one ticker, and selling feels like writing the IRS a check.
How we help
Liquidity Events“My company is being acquired or going public”
A term sheet, S-1, or tender notice means a run of decisions ahead, and most of them are easier to get right before the deal closes.
How we help
Transitioning to Retirement“I'm retiring and need my portfolio to pay me”
The paycheck stops, the portfolio has to cover the bills, and there may still be company stock, deferred compensation, or a business sale in the mix.
How we helpWe also work with families, retirees, and professionals. See who we serve. For endowments, foundations, and nonprofits, explore our OCIO service.
Who runs Rubric
“For 14 years I led multifactor investing at AXA Investment Managers, and later served as Chief Investment Officer of Radiant Global Investors. The institutions I worked for had disciplined, systematic investment processes. I started Rubric to bring an institutional-grade investment approach to individuals and families, measured against an agreed rubric rather than a hunch.”
Harry Prabandham, Founder & CEO
MBA, Wharton · MS Computer Science
Our decisions are measured against an agreed rubric: tax, implementation costs, risk, and your goals.
Your portfolio, coordinated with your CPA.
Managed alongside your tax and estate picture, with your CPA and estate attorney in the loop.
How We Invest
Institutional-grade tools, used where your situation calls for them.
Public Markets
Diversified portfolios across equities and fixed income, built with disciplined risk management and tax-aware execution.
Learn morePrivate Markets
Private equity, venture capital, and private credit for qualified clients (typically $3M+ invested). Illiquid and higher risk.
Learn moreDirect Indexing
Own the stocks in an index directly, so you can harvest losses stock by stock and exclude your employer.
Learn moreOptions Overlay
Seek income or hedge downside risk on existing holdings through selective options strategies. Options involve significant risk and are not suitable for all investors.
Learn moreTax-Loss Harvesting
Harvest losses to help offset gains, including gains from diversifying a concentrated position.
Learn moreRetirement Planning
Withdrawal order, Roth conversions, and tax-aware distributions for the transition to retirement.
Learn more
One fee.
Independent, fee-only, and a fiduciary. No commissions, no proprietary products. Fund expenses and custodian costs are separate from our fee and disclosed up front. See our fees.
Institutional toolkit.
Direct indexing, tax-loss harvesting, options overlays, and private markets access for qualified clients (typically $3M+ invested), historically gated behind institutional minimums.
Tax-aware by default.
After-tax return is what you keep. We weigh taxes in asset location, loss harvesting, and withdrawal order, and coordinate with your CPA.
Process, not intuition.
We build and rebalance by a disciplined, repeatable process, not by chasing headlines or hot stories.
For the decisions that matter: company stock, a sale or IPO, and the transition to retirement.
What we don’t do
- We don’t earn commissions or sell proprietary products.
- We don’t charge performance-based fees.
- We don’t have soft-dollar arrangements.
- We don’t sponsor wrap fee programs or receive any part of the fees charged by the funds we use.
Transparent by design. Rubric is compensated by the advisory fees our clients pay. Underlying fund expenses and custodian or transaction costs may still apply. See the full fee schedule.
We may not be the right fit if…
You’re looking for stock tips or market-timing calls. We use a systematic, repeatable investment process, not predictions.
Where your money is held
Your assets are held at a qualified custodian, such as Charles Schwab, Interactive Brokers, or Altruist, not by Rubric. About our custodians.
See How We Think
Institutional-grade analysis, in your hands.
Free tools and 300+ plain-English guides, built on the same discipline and transparency we bring to client portfolios.
Common questions
What is Rubric Advisors?
How much does Rubric Advisors charge?
Who runs Rubric Advisors?
Ready to get started?
Book a complimentary 30-minute call about your situation. No pressure, no pitch.
Talk to an AdvisorNot sure where to start? Answer three quick questions.