Ruby Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
Washington MI
Advisors at this office
1
Most active in
Michigan
Also doing business as
Ruby Financial · Ruby Financial Corporation
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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