Ruby Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
RUBY Financial provides investment advisory and financial planning services, including asset allocation, selection of investments, and non‑securities advice such as tax, estate, and business planning. The firm’s brochure notes it is not currently accepting or servicing active clients but historically identified potential clients across individuals, high‑net‑worth clients, businesses, trusts, charitable institutions and other institutional types.
Advisory services are provided on a non‑discretionary, individualized basis, with recommendations guided by client objectives, risk tolerance, liquidity needs and a mix of fundamental, technical (charting) and cyclical analysis. The firm reports it does not take custody of client assets, does not vote proxies on clients’ behalf, and performs portfolio tracking daily with at least quarterly performance reviews.
Compared with many investment managers, RUBY Financial also maintains accident, life and health insurance licenses and discloses it may obtain and place insurance products for clients, potentially receiving commissions for that business. The brochure further indicates the firm can work with a broad set of institutional counterparts and other advisers and may act as a solicitor or recommend third‑party money managers — a combination of insurance activity and solicitor/third‑party manager relationships that is uncommon among peers.
Client services
Portfolio management
Selection of other advisers
Expertise
Wealth management
General estate planning guidance
Fee options
$0 - $250,000: 2.00% $250,000 - $500,000: 1.75% $500,000 - $1,000,000: 1.50% $1,000,000 - $2,000,000: 1.00% $2,000,000 - $3,000,000: 0.85% $3,000,000 - $5,000,000: 0.75% $5,000,000 - $10,000,000: 0.60% $10,000,000+: 0.50%
Commission-based insurance products may be recommended, with commissions disclosed prior to purchase.
Main office location
Ruby Financial
Washington MI, United States
Number of offices
1
Most active in
Ruby Financial has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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