Ruby Pebble Financial Planning LLC
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About
Ruby Pebble Financial Planning LLC provides financial planning and discretionary investment management for individuals and high-net-worth clients and offers retirement plan consulting and participant education for plan sponsors. The firm also facilitates estate-planning work through an unaffiliated digital platform when appropriate to a client’s circumstances.
The adviser develops investment strategy through the financial planning process, applying Modern Portfolio Theory to construct asset allocations and emphasizing multi‑year, long‑term horizons; discretionary portfolio management is generally provided in conjunction with ongoing planning. Clients may impose reasonable investment restrictions, and account supervision is guided by stated objectives and tax considerations.
The firm’s principal brings a technology background and recent advanced credentials—a Master of Science in Personal Financial Planning and a certificate in Financial Therapy—which informs the firm’s approach to client work. Managing roughly $12 million for a small roster of clients, the firm combines one‑on‑one planning with retirement-plan services delivered alongside a third‑party 3(38) manager and uses custodians such as Altruist and Schwab, a mix of features that is less common among single‑advisor boutiques.
Client services
Expertise
Fee options
Initial Comprehensive Financial Plan fees range between $4,000 and $15,000, negotiable based on complexity.
Standard hourly rate is $400 per hour, billed in 15-minute increments; used for Hourly Financial Planning and also for hourly basis investment management services.
Fee-only: Hourly rate currently $400 per hour, billed in 15-minute increments; fees may be negotiable.
Main office
Seattle WA
Advisors at this office
1
Most active in
California · Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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