Welcome to Ruby Holdings
Your trusted partner for strategic wealth management and financial solutions in Clifton, NJ
Wealth Management
Customized investment strategies to grow and preserve your assets for long-term financial security.
About
Find Out More About Us
Ruby Holdings: Your Trusted Financial Partner
Founded with a commitment to financial excellence, Ruby Holdings delivers innovative wealth management and investment solutions tailored to your unique goals.
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Holistic Financial Strategies
From retirement planning to tax optimization, we provide end-to-end financial advisory services.
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Client-Centric Approach
We prioritize transparency, trust, and personalized service to exceed your expectations.
Our team of certified advisors combines decades of experience with cutting-edge financial tools to help you navigate complex markets and secure your financial future.
Services
Explore Our Financial Solutions
Investment Management
Customized portfolios aligned with your risk tolerance and financial objectives.
Robert Mitchell
Wealth Management Client
Ruby Holdings transformed our $4M portfolio with their strategic asset allocation. In just 3 years, they've grown our investments by 28% while reducing our tax burden by 22% annually.
Jennifer Adams
Retirement Planning Client
Their retirement income strategy generates $12,500/month reliably, allowing me to enjoy my golden years with complete financial peace of mind. The personalized attention is exceptional.
Sarah Johnson
Business Financial Advisor
Ruby Holdings' business valuation and succession planning helped me sell my company for 18% above market value. Their tax strategies saved me over $350,000 in capital gains.
Daniel Williams
Estate Planning Client
Their comprehensive estate plan protected our $6.5M family assets and reduced potential estate taxes by 62%. The multi-generational approach ensures our legacy is preserved.
Michael Thompson
Investment Advisory Client
Since partnering with Ruby Holdings, our portfolio has outperformed the S&P 500 by 4.2% annually. Their alternative investment strategies have been particularly valuable during market volatility.
F.A.Q
Frequently Asked Questions
What financial services does Ruby Holdings offer?
We provide comprehensive financial solutions including wealth management, investment advisory, retirement planning, estate planning, tax optimization strategies, and business financial consulting services tailored to both individuals and businesses.
Are you a fiduciary financial advisor?
Yes, as a fiduciary, we are legally and ethically bound to act in your best interests at all times. We operate with full transparency regarding fees, potential conflicts of interest, and investment recommendations.
How do you charge for your services?
Our fee structure is transparent and varies by service:
- Wealth management: Percentage of assets under management (AUM)
- Financial planning: Flat fee or hourly rate
- Investment consulting: Project-based fee
We never earn commissions, ensuring unbiased advice.
What's your investment philosophy?
We believe in evidence-based investing focused on long-term growth through diversified portfolios. Our approach combines:
- Asset allocation tailored to your risk tolerance
- Low-cost investment vehicles
- Regular portfolio rebalancing
- Tax-efficient strategies
- Continuous market monitoring
How often will we meet to review my financial plan?
We typically schedule:
- Quarterly portfolio reviews
- Biannual comprehensive financial plan updates
- Annual tax strategy sessions
- Ad-hoc meetings for major life events
You'll also receive monthly performance reports and market updates.
What's your minimum account size?
We work with clients at various wealth levels:
- $250,000 minimum for full wealth management services
- No minimum for financial planning consultations
- Special programs for young professionals and emerging wealth
How do you handle risk management?
Our risk management framework includes:
- Comprehensive risk assessment questionnaires
- Diversification across asset classes
- Regular stress-testing of portfolios
- Insurance needs analysis
- Liquidity planning
- Estate protection strategies
Can you help with small business financial planning?
Absolutely. We specialize in:
- Business valuation and succession planning
- Retirement plans for employees
- Cash flow optimization
- Tax strategy for business owners
- Mergers and acquisitions advisory
What makes Ruby Holdings different from other financial firms?
Our competitive advantages include:
- 100% fee-only structure (no commissions)
- Personalized service from senior advisors
- Institutional-quality research
- Family office-style services
- Multi-generational planning approach
- Technology-driven reporting
How do I get started with your services?
Our onboarding process is simple:
1. Schedule a complimentary discovery call
2. Complete our financial assessment
3. Receive a customized proposal
4. Begin implementation
The entire process typically takes 2-4 weeks depending on complexity.
Team
Our Expert Financial Team
David Wilson
Chief Executive Officer25+ years in wealth management. Former VP at Morgan Stanley. Chartered Financial Analyst.
Lisa Anderson
Chief Investment OfficerPortfolio strategy expert. MBA from Wharton. Specializes in alternative investments.
James Miller
Senior Financial AdvisorCertified Financial Planner™ with 15 years experience in retirement planning.
Emily Taylor
Director of Client RelationsClient service specialist. Series 7 & 66 licensed. Focuses on high-net-worth families.