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Our Fees

What does it cost
to work with Rubiq?

You should know exactly what you’ll pay before our first meeting. We offer two ways to work together — ongoing wealth management or a one-time financial plan — each with one clear fee.

Proudly affiliated with Wealthcare Advisory Partners *

Barron's

Top 100

RIA Firms • 2025
Financial Advisor Magazine

RIA Ranking

Survey & Ranking • 2025
AdvisorHub

Top 250 RIAs

Advisors to Watch • 2025
Wealth Solutions Report

Platform of the Year

Wealth Exemplar Awards

$0B+  Assets Under Management

0+  Affiliated Advisors

0%  AUM Growth in 2025

* Statistics reflect Wealthcare Advisory Partners, LLC — our affiliated RIA platform — not Rubiq Financial Partners individually.

Two Ways to Work With Us

One clear fee,
whichever path you choose.

Track 1

Ongoing Wealth Management

A tiered annual fee, starting at 1.25% and falling as your assets grow. We manage your investments and keep your financial plan current as your life changes.

Your Assets Under Management

$2,500,000
$2.5M
$500K $50M+
$37,500
Annual Fee
1.25%
Effective Rate
$9,375
Per Quarter

Fee Tier Breakdown

First $1M 1.25% / yr
$6,250
$1M – $2M 1.00% / yr
$10,000
$2M – $5M 0.90% / yr
$4,500
$5M – $10M 0.75% / yr
—
$10M – $20M 0.55% / yr
—
$20M – $50M 0.45% / yr
—
$50M+
Contact Us
Total Annual Fee $28,750

Estimates are for illustrative purposes only, and fees may be negotiable. Actual fees are outlined in your advisory agreement. Fees are charged on a tiered basis — each rate applies only to the portion of AUM within that tier — and billed quarterly in advance on the managed balance only. Minimum account size: $500,000.

View Full Fee Schedule

Track 2

Financial Plan Only

For people who want a professional plan but prefer to manage their own investments — or who already work with another advisor. No assets to transfer.

One-Time Flat Fee

From $5,000

Quoted before we start, based on the complexity of your situation.

What's Included

  • A discovery meeting on your goals, assets and concerns
  • A written plan covering retirement, taxes, investments, insurance and estate
  • A walkthrough meeting on the recommendations
  • 90 days of follow-up support

Business ownership, equity compensation, real estate and multi-generational estate issues add to the quote. No asset minimum.

Ideal For

  • Self-directed investors who want a professional second opinion
  • Professionals approaching retirement who prefer to manage their own accounts
  • Families navigating a liquidity event, inheritance or major transition
  • Clients whose current advisor doesn't offer the analysis they need
Planning Fee Schedule (PDF)

Every Client Engagement Includes

Comprehensive Planning Across Every Dimension

Income Architecture & Cash Flow Design Distribution Sequencing & Tax Efficiency Deferred Compensation & Executive Benefits RMD Strategy & Legacy Coordination
Portfolio Asset Allocation Stock Concentration Review Outside Holdings Analysis Time Horizon Strategy
Wills & Power of Attorney Trusts & ILIT Strategies Estate Tax Planning Charitable Giving
Tax Loss Harvesting Roth Conversion Analysis Cost Basis & Gains Review Deductions & Credits
Life & Disability Coverage Long-Term Care Analysis Policy Review & Optimization Risk Gap Assessment
Business Succession Planning Exit Strategy & Liquidity Key Person Insurance Buy-Sell Agreements
Engagements begin with a conversation.
Tell us about your situation — we'll tell you whether we're the right fit.

Common Questions

What clients ask about our fees.

Do you earn commissions?

Our advice is paid for through the fees on this page. Rubiq is a fee-based firm. Rubiq provides advice on insurance products and may earn a fee from placing funds with life insurance companies, a conflict of interest we disclose.

Fee-only vs. fee-based: what’s the difference?

Are you a fiduciary?

Yes. When we provide investment advice through our advisory relationship, we are legally required to act in your best interest.

What is a fiduciary financial advisor?

Is the advisory fee tax-deductible?

For most individual investors, generally not under current federal law. Ask your tax professional about your situation.

Are there other costs?

Normal trading costs are included in our advisory fee. Funds and ETFs carry their own internal expenses, and trades you direct yourself may carry a fee. We show you all of these before you sign anything.

Is there a minimum?

Wealth management starts at $500,000 in managed assets. Planning-only engagements have no asset minimum.

Can I leave anytime?

Yes. Either of us can end the relationship at any time with written notice, and any unearned fees you have prepaid for the quarter are refunded.

Relationships begin with
a conversation.

610-215-9499 [email protected]