Loading…
Rubric Advisors · Disciplined Wealth Management · 100% Fiduciary Commitment · Fee Only
Rubric Advisors · 100% Fiduciary · Fee Only
Talk to an Advisor
Investment Strategy
Add income and protection to your portfolio with targeted, risk-defined options positions.
Options can make your core holdings work harder. We layer selective options positions onto existing portfolios to pursue additional income or hedge downside risk, deploying them only when they genuinely fit a client's situation. A common example: generating income from, or cushioning, a concentrated stock position you are not ready to sell.
Suitability drives every decision. Options carry more complexity and risk than traditional investments, so implementation is tailored to each client's experience, objectives, and risk tolerance. Because these strategies carry the risk of losing capital, we make them available only to clients whose financial situation and risk tolerance can bear that risk. Every position is fully transparent and integrated into your broader financial plan. Start by understanding your risk profile with our free assessment tool.
Important: Options involve significant risk and are not appropriate for all investors. Because certain options strategies can result in losses that exceed the amount invested, we offer options overlays only to clients whose financial circumstances, objectives, and risk tolerance can bear the potential loss of capital. We implement an options strategy only when it is suitable for you, and will not do so otherwise. Please discuss your experience and risk tolerance with your advisor before participating in any options strategy.
Precision tools layered onto your core portfolio for income and protection.
Covered calls and similar strategies turn your current positions into income-producing assets.
Protective options help cushion concentrated positions and limit losses during volatile markets.
Each position is sized and monitored against defined limits, with full transparency. Some strategies still carry the potential for losses that exceed the amount invested.
Offered only to clients whose objectives and risk tolerance can bear the potential loss of capital. Not suitable for all investors.
Contact us
Let’s discuss whether an options overlay fits your portfolio and risk profile.
A Framework for Exercising Stock Options
This article provides a comprehensive framework for tech employees to decide whether to exercise stock options, balancing investment potential with risk management and tax implications.
Deferred Compensation (409A Plans)
Nonqualified deferred compensation plans allow high earners to defer income beyond qualified plan limits, but participants face unique risks as unsecured creditors subject to complex Section 409A rules.
Early Exercising and 83(b) Elections
Early exercising allows employees to purchase unvested stock options upfront to minimize taxes, but requires filing an 83(b) election within 30 days.
Employee Stock Purchase Plan (ESPP) Strategy
Employee Stock Purchase Plans (ESPPs) offer employees the opportunity to buy company stock at a discount, typically 15%, with potential tax advantages depending on holding period strategies.