Take the
guesswork out
This model ensures your money is working efficiently and in alignment with your goals—without unnecessary risk or missed opportunities.
The
Financial Rubrics Model
A clear financial framework—
Built for the way you live
At Financial Rubrics, we use a 4-part model that prioritizes strategy over guesswork. The Financial Rubrics Model™ helps our clients make informed decisions by categorizing their financial lives into four key areas:
Protection
We start by securing your foundation. This includes life, disability, and long-term care insurance, asset protection, and risk management strategies to shield your income, family, and legacy from unforeseen events.
Liquidity
Next, we ensure you have access to cash for emergencies, opportunities, and near-term goals. We analyze your savings strategies, access to capital, and liquidity positioning so your financial plan is nimble—not rigid.
Debt Management
We evaluate your debt structure—including mortgages, student loans, and consumer debt—to improve cash flow and reduce interest costs. Our goal is to help you eliminate inefficient debt without compromising long-term growth.
Growth
Finally, we build your wealth intentionally. This includes investment strategies, retirement readiness, tax-efficient savings, and coordination of employer benefits or stock compensation. All growth strategies are aligned with your personal goals and lifestyle vision.
You Don’t Need More Financial Noise.
You Need a Plan.
Let’s cut through the complexity and build a financial strategy that works for you—right now and in the future.