Ruby Pebble Financial Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,464,970
Clients
16
31% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
16
LowAverage account size
$591,561
About
The firm provides comprehensive financial planning, discretionary investment management (available only when clients elect ongoing planning), and retirement plan consulting and participant education delivered in conjunction with Guideline, Inc. As of December 31, 2024, the firm reported roughly $4.0 million in discretionary assets under management across six client relationships.
Services range from initial comprehensive plans to project-based and hourly engagements, with ongoing planning typically involving two to three meetings per year and periodic monitoring; investment recommendations are implemented discretionary to the extent the client engages investment management. The firm primarily applies Modern Portfolio Theory in portfolio construction, permits reasonable client-imposed investment restrictions, and executes trades through custodians such as Altruist and Charles Schwab.
Noteworthy departures from many solo independent advisers include the firm’s very small client base—one adviser managing six client relationships—which links portfolio management explicitly to an ongoing planning engagement. The adviser’s combination of technology-industry experience and a certificate in financial therapy, plus the recent addition of employer retirement plan services via Guideline and referrals to a third‑party digital estate‑planning platform, represent atypical service and skill-set elements for a firm of this size.
Client services
Financial planning
Portfolio management
Retirement plan services to plan sponsors and participants
Retirement plan services to plan sponsors and participants
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Debt management
General estate planning guidance
Fee options
Initial Comprehensive Financial Plan fees range from $4,000 to $10,000; Project-Based Financial Planning fees range from $2,000 to $5,000; fees are negotiable and based on complexity
Standard hourly rate currently $400/hour billed in 15-minute increments; hourly fee used for Financial Planning, Ongoing Financial Planning, and Investment Management services (billed quarterly in arrears)
Fee-only: Hourly Financial Planning standard rate $400/hour billed in 15-minute increments; negotiable fees for financial planning services
Main office location
Ruby Pebble Financial Planning LLC
Seattle WA, United States
Number of offices
1
Most active in
Ruby Pebble Financial Planning LLC has reported serving >5 clients in these states in the last 12 months.
Washington
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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