Salem, VA Office

Werba Rubin Papier Wealth Management provides discretionary and non-discretionary investment management, financial planning, pension consulting and retirement-plan advice to individuals, high-net-worth clients, charitable organizations and pension or profit-sharing plans. The firm implements diversified, risk‑based portfolios using no‑load mutual funds, ETFs, individual stocks and bonds tailored to clients’ goals and risk tolerances.

The firm’s investment process is grounded in Modern Portfolio Theory and a long‑term, risk‑targeting approach, with accounts monitored on an ongoing and typically quarterly basis. Its disclosures note that, where appropriate, it may use derivatives (for example, options, warrants or futures) and employ borrowing such as margin in separately managed accounts, and it describes the additional risks those strategies entail.

Werba Rubin Papier is distinctive among similar-sized advisory teams for its affiliations with other professional services: certain personnel are also employed by an affiliated accounting firm and some firm personnel hold real estate and legal licenses, although the brochure states those licenses are not used to provide brokerage or legal services through the adviser and clients are not required to use affiliated services. The firm discloses these relationships and custodial product/service arrangements and describes policies intended to manage the resulting conflicts of interest.