Who We Serve
Who we work with
Individuals and families facing concentrated stock, a liquidity event, or the transition to retirement, plus professionals, families, retirees, and institutions.
Talk to an AdvisorWhere to start
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 helpLiquidity 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 helpTransitioning 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 helpTech Founders & Executives
You’ve built something valuable, now your net worth is concentrated in a single stock, option grants are vesting, and every liquidity decision carries tax consequences. See Concentrated Stock and Liquidity Events.
How We Help
- Concentrated stock diversification and risk management
- Portfolio decisions around stock option and RSU exercises
- Tax-efficient liquidity event strategies
- Charitable giving with appreciated shares, coordinated with your CPA and attorney
Professionals
High income, demanding career, limited bandwidth. Between deferred compensation, equity awards, and retirement plan decisions, your finances have outgrown a DIY approach.
How We Help
- Investing deferred compensation and equity awards alongside your portfolio
- Tax-aware portfolio construction across account types
- Cash reserves sized for irregular income
- Tracking your portfolio against your retirement goals, try our retirement calculator
Families
Growing wealth brings growing complexity, college funding, aging parents, insurance gaps, and the question of how to transfer assets to the next generation. We manage the portfolio with these goals in view and coordinate with your CPA and estate attorney.
How We Help
- Investing for education, including 529 plans
- Beneficiary and account-titling review, coordinated with your estate attorney
- Understand how inflation erodes purchasing power over time, use our inflation calculator
Retirees
You’ve spent decades accumulating. Now the challenge is distribution: drawing income tax-efficiently, with a spending plan you revisit as markets and life change. Approaching retirement? See Transitioning to Retirement.
How We Help
- Sustainable, tax-aware withdrawals from your portfolio, explore our withdrawal simulator
- Coordinating withdrawals with Social Security timing and Medicare (IRMAA) thresholds
- Managing required minimum distributions
- Beneficiary coordination, with your estate attorney
Institutions, Endowments & Nonprofits
Beyond individuals and families, Rubric serves institutional clients through our Outsourced Chief Investment Officer (OCIO) services, acting as a dedicated investment office for organizations that need professional investment oversight without an in-house investment team.
We work with endowments, foundations, charitable trusts and other nonprofit organizations, religious organizations, healthcare systems, corporate operating and reserve accounts, insurance reserves, and pension and other retirement plans.
Learn more about our OCIO services
One Standard for Every Client
Every client gets a fee-only fiduciary: no commissions, no proprietary products, and published fees.