Personalized Wealth Management Strategies for Tech Executives

Aaron Rubin specializes in financial, estate, and tax planning. With an extensive background in financial services, he advises on some of the most pivotal decisions in his clients’ lives. Aaron takes particular pride in helping his young tech clients make tax-savvy, financially sound decisions about their stock compensation packages.He received a BA in Economics-Accounting-Spanish from Claremont McKenna College. He graduated cum laude from the University of Illinois College of Law and was admitted as a member of the California Bar in 2006. He is licensed as a certified public accountant, and previously was licensed as a life, health, and property and casualty insurance agent in the state of California. In 2009, Aaron also received his CFP® designation.

Aaron started his career in accounting, working at international CPA firm Deloitte, where he focused on high net worth individual income tax returns. He then moved to Abbott Stringham & Lynch — a local CPA firm — expanding his focus to estate and gift tax returns and planning. He has been with WRP since 2009.

When he’s not helping his clients, Aaron dedicates his time to nonprofits. He is a member of South Bay Giving Circle and has had previous experience on Bay Area charitable boards and fundraising committees.

Aaron and his wife Libby live on the Peninsula with their three daughters, Natalie, Gwen, and Emmy, along with their winsome Goldendoodle, Mollie.

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Jason Papier was born and raised in Sunnyvale, California, where he watched the Silicon Valley grow from a string of small startups to some of the world’s largest companies.

Jason participated in this growth, working at both public and private companies early in his career. In 1998 he started as employee number 11 at an Andreessen-backed technology company. Along the way his interest in personal finance, particularly management of equity compensation, grew.  This eventually led him to leave corporate life and begin studies in personal finance.

In 2001, Jason began working as a financial planner at PW Johnson Wealth Management, a fee-only firm supporting high net worth individuals and families. While there, Jason was also the COO of Advisor Press, a publisher of personal finance books.  During that period, he co-hosted what was then the #1 financial podcast on iTunes.  The podcast interviewed financial luminaries such as Steve Forbes and Nobel Prize winning economist Bill Sharpe.

In 2007 Jason founded Fluent Wealth Partners, expanding his focus to executives in growing tech hubs such as Austin, The Research Triangle in North Carolina, and the greater Boston area.  As hubs have emerged in other regions, such as Colorado, New York, and Florida, he’s continued to expand his geographical footprint.  Fluent merged with Werba Rubin Wealth Management in 2017.

Jason holds a bachelor’s degree from Santa Clara University and a master’s degree in Wealth Management from Columbia University.  He remains active at Columbia, where he teaches the capstone course in wealth management through the master’s program. Jason also helped to fund and launch the Columbia Wealth Management Diversity Fellowship. In 2023 he and his fellow founders were honored as the alumni recipients of the Dean’s Excellence Award.

Jason has sat on many non-profit boards including Hope Services, Neighborhood Housing Services, and the San Jose Public Library Foundation.  He continues to give back to charities around the country through volunteer work and economic support.

Jason and his wife Susan live in San Jose with their two sons, Finnegan and Sawyer.

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As an advisor, philanthropist, and corporate executive, Alan Werba has seen the power of careful planning to make financial goals a reality for over four decades. Alan began his career in public accounting working for an international CPA firm and still assists many of his clients in tax planning and preparation.

In 1990, Alan and his two business partners developed a strategic asset management service that is still the cornerstone of the investment philosophy used by the firm today. In 1995, he helped co-author a book entitled The Prudent Investor’s Guide to Beating the Market that details this investment philosophy.

Alan received a BS in Business Management from the McIntire School of Commerce at the University of Virginia in 1970 and later attended Loyola College in Baltimore, Maryland for accounting classes. He was licensed as a certified public accountant (CPA) in 1974 and earned his certified financial planner (CFP®) credential in 1985.

A big believer in giving back to his community, Alan has been actively involved on many non-profit boards, including Big Brothers & Big Sisters of Santa Clara County, the Jewish Federation of Silicon Valley, Congregation Beth David, and Hillel of Silicon Valley.

In his free time, Alan is passionate about golfing and travel. Alan and his wife Pat enjoy their primary residence located in Incline Village, NV, but also rent an apartment in San Jose where they enjoy getting together with their daughters and granddaughters.

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Quynh Ho believes thoughtful planning is the cornerstone of wealth management. Quynh helps clients with tax strategies designed to maximize after tax results.

Quynh received her BS degree in Business Administration concentrating in Marketing from San Jose State University, and her Certificate of Advanced Accounting Proficiency from Santa Clara University.

Prior to joining Werba Rubin Papier, Quynh was the CEO of Cereus Investment, Inc., a Tax and Real Estate Brokerage company based in Cupertino. Quynh is an accomplished tax executive, counseling clients on a wide range of topics including stock options planning, real estate investing, minimizing estate taxes, and income tax strategies. Quynh also has extensive experience in successfully representing clients for tax audits. She is currently the CEO of WRP Tax Services.

While raising a family in San Jose, Quynh enjoys taking an active role in the community. As a mom of two teenage boys, Quynh feels strongly about ensuring a safe and nurturing environment for kids to grow up and mature. Quynh has served as PTO and PTA President, Treasurer, Auditor, and Secretary for various schools. Quynh is also an executive board member of the North Valley Council of PTA and a current Commissioner on the Council Appointment Advisory Commission for the City of San Jose.

When not working or volunteering, Quynh enjoys spending quiet time with her husband and two sons at their cabin in Shingletown, California. After both boys are off to college in a few years, Quynh has plans to travel the world.

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Cheryl has over 15 years experience in the Wealth Management industry, both at large national brokerages and an independent fee only RIA. At those firms she specialized in working with high net worth and ultra high net worth clients.

She is a graduate of Clarion University of Pennsylvania with a degree in Finance. Cheryl prides herself with providing high level personalized service to ensure that client needs are fulfilled promptly as well as her dedication to efficient problem solving. In her spare time you can find her hanging out with her two dogs, family and friends. Cheryl has held both Series 7 and 63 security licenses.

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Lucy has over 20 years of experience working with high net worth individuals and families. Lucy worked as Operations Manager for fee-only RIAs for the past 12 years at Fluent Wealth Partners and PWJ Wealth Management. Prior to this, Lucy worked at Comerica Bank’s Private Banking and Wealth Management division.

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Maria Ramey is responsible for handling any service needs and paperwork for our clients.  She is the liaison between the custodians and our advisor team.

Maria began her career in Advisor Services with Loring Ward in 2000. She worked in various capacities including new accounts, distributions, transfers, and trading.  She moved into the role of Account Manager in 2002 where she serviced the firm’s premier advisors.

Maria held Securities licenses in Series 6, 7, 24, 53, and 63.  She earned a Bachelor of Science degree in Business Administration with concentration in Finance from San Francisco State University.

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Marlene Bass has been an integral member of Werba Rubin Papier and Loring Ward for over 25 years. During these years she has served in many roles and she is well known to most Werba Rubin Papier clients. Marlene assists advisors to set up new client accounts, and she is intimately involved in the ongoing administration of our clients’ accounts. Aside from her expertise at client management, she is also a notary public.

Marlene enjoys spending time with her husband Lloyd, and her children (Danielle and Tyler).

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Kevin Grogan is Chief Investment Officer for Buckingham Wealth Partners, which is comprised of Buckingham Strategic Wealth and Buckingham Strategic Partners. And while it sounds like his job is all about the numbers, what he likes most about his role is the opportunity for him to collaborate every day with advisors, clients and prospects, helping others better understand the complicated concepts that will have a tangible effect on their financial lives. He is a member of the firm’s Investment Policy Committee and helps lead the firm’s investment strategy, portfolio management and fixed income teams.

Kevin has co-authored three books. His most recent book, “Your Complete Guide to a Successful & Secure Retirement” with Larry Swedroe, was named by The Wall Street Journal as the best retirement book of 2019. His first book was “The Only Guide You’ll Ever Need for the Right Financial Plan,” co-authored with Larry Swedroe and Tiya Lim, and his second book was “Reducing the Risk of Black Swans: Using the Science of Investing to Capture Returns with Less Volatility,” co-authored with Larry Swedroe. He has also published an article in the Journal of Investing.

Kevin began his career at Buckingham in 2007. He holds a bachelor’s of science in finance from Missouri State University in Springfield and an MBA from Saint Louis University. He is also a Chartered Financial Analyst® charterholder and a CERTIFIED FINANCIAL PLANNER™ professional.

Kevin lives in St. Louis with his wife Julie and son Ryan.

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Jared Kizer is Chief Investment Officer for Buckingham Wealth Partners, which is comprised of Buckingham Strategic Wealth and Buckingham Strategic Partners. And while it sounds like his job is all about the numbers, what he likes most about his role is the opportunity for him to collaborate every day with advisors, clients and prospects, helping others better understand the complicated concepts that will have a tangible effect on their financial lives. He also chairs the firm’s Investment Policy Committee, which evaluates findings from academic research and applies that learning to develop its investment strategy recommendations.

Jared’s passion for education doesn’t end with Buckingham. In 2008, Jared co-authored the book “The Only Guide to Alternative Investments You’ll Ever Need” with financial author Larry Swedroe. Jared has written several articles on topics including retirement planning and investment policy. His work has been published in The Journal of Portfolio Management, Journal of Indexes, indexuniverse.com, AdviceIQ.com, Morningstar.com and USA Today. He maintains a blog at MultifactorWorld.com. Jared has also made appearances on local and national television, including Bloomberg Television.

Jared began his career at Buckingham as an investment advisor associate, an investment advisor from 2003 to 2008 and then rejoined the firm in 2010. For the previous two years, Jared was an investment strategies analyst at NISA Investment Advisors, a firm in St. Louis that manages fixed income portfolios for institutional clients. Jared holds a master’s degree in finance from Washington University in St. Louis.

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Since joining the firm in 1996, Head of Financial and Economic Research Larry Swedroe has spent his time, talent and energy educating investors on the benefits of evidence-based investing with enthusiasm few can match.

Larry was among the first authors to publish a book that explained the science of investing in layman’s terms, “The Only Guide to a Winning Investment Strategy You’ll Ever Need.” He has since authored seven more books: “What Wall Street Doesn’t Want You to Know” (2001), “Rational Investing in Irrational Times” (2002), “The Successful Investor Today” (2003), “Wise Investing Made Simple” (2007), “Wise Investing Made Simpler” (2010), “The Quest for Alpha” (2011) and “Think, Act, and Invest Like Warren Buffett” (2012).

He has also co-authored eight books about investing. His latest work, “Your Complete Guide to a Successful & Secure Retirement,” was co-authored with Kevin Grogan and published in January 2019.

In his role as Head of Financial and Economic Research and as a member of the firm’s Investment Policy Committee, Larry regularly reviews the findings published in dozens of peer-reviewed financial journals, evaluates the outcomes and uses the result to inform the firm’s formal investment strategy recommendations. He has had his own articles published in the Journal of Accountancy, Journal of Investing, AAII Journal, Personal Financial Planning Monthly and Journal of Indexing.

Larry’s dedication to helping others has made him a sought-after national speaker. He has made appearances on national television shows airing on NBC, CNBC, CNN and Bloomberg Personal Finance. Larry is a prolific writer, contributing regularly to multiple outlets, including Advisor Perspectives and The Evidence-Based Investor.

Before joining Buckingham, Larry was vice chairman of Prudential Home Mortgage. He has held positions at Citicorp as senior vice president and regional treasurer, responsible for treasury, foreign exchange and investment banking activities, including risk management strategies.

Larry holds an MBA in finance and investment from New York University, and a bachelor’s degree in finance from Baruch College in New York.

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• CFA – Chartered Financial Analyst^®
• AIF – Accredited Investment Fiduciary^®

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Sheldon manages the investment strategy group, oversees the investment planning center and develops of tools to support advisors at Buckingham. He earned his MBA from Santa Clara University and a bachelor’s of science in business management from Brigham Young University.

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Tim Jost serves as an advisor on the institutional services team at Buckingham Strategic Wealth. In addition to advising clients, he is also responsible for the day-to-day management of institutional portfolios and provides customized analysis and support for all of Buckingham’s institutional clients.

Prior to joining Buckingham, and while earning his graduate degree in business, Tim worked in a risk management role on the trading floor at Energy Future Holdings Corp. and in the corporate development group at Trinity Industries Inc. Prior to attending graduate school, Tim was an equities and options trader at Stifel, Nicolaus & Co. Inc.

Tim holds a master’s degree in business administration from Southern Methodist University and a bachelor’s degree in business administration from Saint Louis University. Tim currently holds the Chartered Financial Analyst designation and Series 65 financial license.

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Brian Haywood, investment strategy advisor, takes pride that in an industry where decisions are often driven by commissions and not conscience, he and his team spend their time customizing portfolios on behalf of Buckingham Strategic Wealth clients, upholding their fiduciary responsibility by doing what’s in the best interest of each client. Brian is also a member of the firm’s Investment Policy Committee, lending his insight on the firm’s overall investment strategy.

Prior to joining Buckingham, Brian was a retail sales assistant for UMB Brokerage Services, Inc.

Brian holds a bachelor’s degree from St. Louis University. He passed the NASAA Series 65 examination in 2006 and passed his NASD Series 7 and NASAA Series 63 examinations in 2003.

A passionate supporter of the Gateway Area Chapter of the National Multiple Sclerosis Society, Brian is a seven-time participant in the organization’s Bike MS event, a long-distance cycling event that has raised more than $1 billion dollars for the organization since 1980.

Brian and his wife, Rachel, live with their daughter, Ella, in Affton, Missouri.

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After 20 years in corporate finance at Fortune 500 companies, Susan Chesson made the leap to financial planning, preferring to work one-on-one with clients to make a positive difference in their lives. Today, she uses the skills she honed managing multi-billion dollar portfolios to offer sound financial advice and professional investment management.

Susan loves the challenge of connecting the dots in a client’s financial life to provide a comprehensive plan showing how they can accomplish their goals. She often runs analyses to illustrate how different life choices can change the outcome of a financial plan, providing clarity that helps clients make sound decisions.

Before joining Buckingham in 2017, Susan was senior vice president and senior wealth advisor at Focus Wealth Management. Before pursuing her financial planning career, she worked in corporate treasury, fixed income investing and banking operations at Fannie Mae, Freddie Mac and Capital One.

Originally from England, Susan has a bachelor’s degree in French and Russian literature from Oxford University and an MBA in finance from the University of Texas at Austin. She also holds the CERTIFIED FINANCIAL PLANNER^TM professional and Certified Private Wealth Advisor℠ designations. Susan has served on the Executive Board of the Financial Planning Association^® (FPA) of the National Capital Area and is involved with the National Association of Personal Financial Advisors (NAPFA). Susan lives in Northern Virginia and enjoys spending time with her family, traveling and being outdoors.

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