Werba Rubin Papier Wealth Management, LLC

Werba Rubin Papier Wealth Management, LLC is an SEC‑registered adviser that serves individual and high‑net‑worth clients, charitable organizations, and pension/profit‑sharing plans. The firm manages roughly $1.4 billion for about 670 clients with a team of five advisers and generally requires a $500,000 minimum to open an account.

The firm’s investment approach centers on Modern Portfolio Theory and long‑term, risk‑based allocation implemented primarily through no‑load mutual funds, ETFs, individual stocks and bonds, and discretionary portfolio management with periodic (typically quarterly) reviews. It also offers financial planning and pension‑consulting services and coordinates implementation with third‑party recordkeepers and managers while acknowledging ERISA fiduciary responsibilities for retirement plans.

Noteworthy aspects disclosed in the brochure include an affiliation with an in‑house accounting firm and employees who hold legal and real‑estate licenses (although those licensed professionals do not provide legal or brokerage services to clients), creating potential cross‑service relationships that are disclosed and managed. The firm also discloses use of derivative instruments (e.g., options, futures, warrants) and the potential for borrowing or margin in separately managed accounts, practices that are less common among peer team firms and are addressed through its policies and disclosures.