Critical Illness Insurance: A Liquidity Strategy Within Household Planning

Critical Illness Insurance: A Liquidity Strategy Within Household Planning When a Health Event Becomes a Financial Event For many high-net-worth families, financial plans are thoughtfully constructed and intentionally layered across investment portfolios, corporate entities, tax strategies, and intergenerational objectives. There is discipline behind the architecture. Yet even the most carefully designed plan can be tested […]

Critical Illness Insurance: Business Protection and Personal Stability

Business Protection, Personal Stability A Governance Perspective on Critical Illness Insurance Concentration Risk in Privately Held Businesses Many privately held businesses are concentrated in one individual. Leadership, client relationships, and cash flow are often closely tied to that person. Even a temporary health disruption can test continuity and reveal areas where the business may be […]

Giving with Clarity: A Legacy That Reflects the Journey

Giving with Clarity: A Legacy That Reflects the Journey A real-life inspired scenario from The Impact Series The Principles Behind The Impact Series At Rubach Wealth, we believe generosity is most powerful when it is guided by intention. The Impact Series is grounded in five core principles that shape how we help clients approach philanthropy: […]

Milestones That Matter: When Life Gets Complex, Your Plan Should Too

For many high-achieving professionals, May isn’t a time to slow down—but it is a time of shifting perspective. The calendar is filled with life events—graduations, weddings, aging parents, and new relationships—that prompt reflection and quietly signal it’s time to revisit the bigger picture. At Rubach Wealth, we see these moments not just as milestones, but […]

Case study: How an initial conversation about philanthropy helped Lawrence and Allison create consensus in the family over their financial, estate and legacy plans

Lawrence and Allison, both their late 70s, approached Rubach Wealth to talk about philanthropy. The couple retired about 15 years ago from successful careers in the engineering and pharmaceutical industries and had accumulated significant assets over the years. Now they wanted to give back.   While it was great to see their new clients being […]