Werba Rubin Papier Wealth Management, LLC

CRD#139237
Investment Advisor Firm

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Learn more about Werba Rubin Papier Wealth Management, LLC

  • Overview
  • By the Numbers
  • Products and Services
  • Fee Structure
  • Types of Clients
  • Disclosures
  • State Registrations
  • Office Locations
  • Firm Advisors

    • Overview

    Werba Rubin Papier Wealth Management, LLC operates as a financial advisor company that has its headquarters in San Jose, California. It handles $767.3 million in total assets over 1,514 customer accounts, making it one of the larger investment advisory firms in the country by assets under management (AUM). The firm has a small team, including 4 financial advisors. Werba Rubin Papier Wealth Management, LLC does not act as a registered broker-dealer, signifying that the company is not able to buy and sell securities for its customers' and own accounts and instead is required to go through a broker-dealer company to do so. Securities are defined as exchangable financial investments such as bonds, options and equities.

    Werba Rubin Papier Wealth Management, LLC oversees all of its client assets on a discretionary basis. Discretionary management means that a portfolio manager makes transaction choices for the client's account without needing the client's approval. The firm's average account size is $506,792. The typical financial advisor at Werba Rubin Papier Wealth Management, LLC oversees about 379 client accounts.

    The firm's central office is at 1732 North 1St Street, San Jose, California 95112. The firm is registered to provide services to clients throughout a number of states, including California, Massachusetts, Nevada, Oregon, Pennsylvania, Texas and Washington.

    Assets Under Management

    $767.3 million

    Number of Advisors

    4

    Disclosures

    No

    Office Location

    1732 North 1St Street
    San Jose, CA 95112

    Werba Rubin Papier Wealth Management, LLC by the Numbers

    Total Assets Under Management

    $767.3 million

    National Average: $8.6 billion
    Total Number of Employees

    8

    National Average: 64
    Total Number of Accounts

    1,514

    National Average: 375,227
    Average Account Size

    $506.8 thousand

    National Average: $23.0 thousand
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    Products and Services

    Werba Rubin Papier Wealth Management, LLC offers a variety of services, including financial planning services, portfolio management for individuals and small businesses, portfolio management for institutional clients, pension consulting services, selection of other advisers, publication of newsletters and educational seminars. In the last financial year, Werba Rubin Papier Wealth Management, LLC provided 251-500 of its clients with financial planning services. It is involved in selling products or offering services aside from investment advice to its customers. The firm is also affiliated with a number of other companies in the financial services industry, including with an accountant or accounting firm, lawyer or law firm and real estate broker or dealer.

    Core Advisor Services

    • Offered by 31% of firms

      Financial Planning Services

      This is the process of planning for your financial future, including for events such as retirement, your child's college education or estate succession.

    • Offered by 46% of firms

      Portfolio Management

      This is the selection and management of an investment mix and portfolio strategy for individuals and small businesses.

    • Find a firm that offers this service

      Market Timing Services

      This is the practice of attempting to make short-term profits on investments by buying low and selling high.

    Other Services

    • Offered by 20% of firms

      Selection of Other Advisors

      This is the firm's assistance with choosing other advisors to work with who may have different specialties.

    • Offered by 3% of firms

      Publication of Periodicals

      This is the publication of various financial education materials.

    • Offered by 6% of firms

      Educational Seminars/Workshops

      This is the hosting of seminars or workshops to educate investors on financial concepts.

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    Fee Structure

    A financial advisor's fees largely vary depending on which services are offered. However, fees charged by the company most likely include the following fee types: asset-based or hourly. Wrap fee programs, or the practice of bundling services for a single fee, are not provided by Werba Rubin Papier Wealth Management, LLC.

    Available

    • Offered by 69% of firms

      Percentage of Assets

      Show Explanation

      This fee, which is the most common fee type charged by advisors for portfolio management, is based on the amount of assets you have under management. Also referred to as an asset-based fee, this fee typically ranges from 0.50%-2.00% of AUM annually. You'll typically pay a lower rate the more assets you have under management.

    • Offered by 21% of firms

      Hourly

      Show Explanation

      Like a lawyer, a financial advisor may charge you by the hour. This can be helpful if you are only looking for short-term or one-time advice. Rates typically range from $100-$300 per hour, depending on the complexity and level of services needed.

    Unavailable

    • Find one of the 1% of firms that offer this fee type

      Commissions

      Show Explanation

      Occasionally, advisors earn commissions from selling financial products, such as securities or insurance policies, or making certain referrals or transactions. Advisors who earn commissions may be incentivized to make certain recommendations to clients in order to make a commission. Fee-only advisors do not earn commissions, while fee-based advisors may.

    • Find one of the 26% of firms that offer this fee type

      Performance-based

      Show Explanation

      Advisors only earn performance-based fees if a portfolio outperforms a defined benchmark. This fee may be calculated in a number of ways but most commonly is charged as a percentage of investment profits. Performance-based fees may incentivize advisors to make riskier decisions in order to generate higher returns.

    • Find one of the 0% of firms that offer this fee type

      Subscription

      Show Explanation

      Firms generally charge this fee for educational materials provided, such as a monthly magazine. This can be useful if you want to learn about investing or financial management on your own.

    • Find one of the 32% of firms that offer this fee type

      Fixed

      Show Explanation

      Fixed fees are a one-time, lump sum charged for a specific service, like the creation of a financial plan without subsequent implementation. This can be useful if you only need advice for one specific purpose, rather than a long-term advisor. Fixed fees usually range from $1,000 to $3,000.

    • Find one of the 10% of firms that offer this fee type

      Other

      Show Explanation

      Firms can sometimes charge customers using non-traditional fee structures. See this firm's Form ADV for more details.

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    Types of Clients

    The firm caters to retail investors and high net worth investors. Out of its 1,514 customers, Werba Rubin Papier Wealth Management, LLC's largest client by number of accounts is retail investors, but it also manages money for 217 high-net-worth individuals. A high-net-worth individual is defined by the SEC as a person who has at least $750,000 under management or a net worth of more than $1.50 million or who is deemed a "qualified purchaser" (a standard met by having at least $5 million in investments). None of the firm's accounts are non-U.S. persons.

    • High-Net-Worth Individuals* - 43.57%
    • Other Individuals - 56.43%
    • Corporations - 0%
    • Charitable Organizations - 0%

    * The U.S. Securities and Exchange Commission (SEC) defines a high-net-worth individual as someone who has at least $750,000 under management.

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    Disclosures

    Werba Rubin Papier Wealth Management, LLC does not have any disclosures.

    Please visit its Form ADV for more details.

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    Financial Advisors at Werba Rubin Papier Wealth Management, LLC

    Mary Russell
    San Jose, CA
    Quynh Ho
    San Jose, CA
    Jason Papier
    San Jose, CA
    Aaron Rubin
    San Jose, CA
    Alan Werba
    San Jose, CA

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    The content in this profile was updated by SmartAsset on 4/16/2023. All advisor details come from publicly available data, and we cannot guarantee the accuracy of the content. We are unable to make individual profile updates. If you want your profile removed temporarily or permanently, please contact profile-compliance@smartasset.com.

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