MEET OUR ADVISOR TEAM

Steve Rubinstein

Steve Rubinstein
srubinstein@icmpcg.com
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What do you enjoy most most about wealth management?
Answer the questions everybody has like:

How do I save for retirement?
When can I retire and not outlive my money?
How can I pay less in taxes?
How do I protect my family?
How can I pay for college?
What should I invest in?
What do you see as the biggest challenge?
I consider myself a value investor and am usually skeptical of consensus opinion. But I also realize the consensus is not always wrong. Just because everyone says it is going to rain is no reason not to take an umbrella.
What do you love most about being a part of the firm?
Being able to help my clients with independent advice, without any allegiance to any specific company.
What quality of yours makes you best suited to do what you do?
As a long term value investor, I don’t try to time the market. I realize I cannot predict short term stock price movements. And I don’t confuse price with quality. Whether it is with wine or stock prices, just because it is higher doesn’t mean it is better.
How should people think about their wealth?
Here is what I discuss with every client:

• Diversification. Understand your risk tolerance and how to allocate assets. Realize that when the stock market declines, almost all market sectors tend to drop.
• Use low cost ETFs or index funds. Be skeptical of advisors that claim to outperform the market over the long term.
• Strategies for financing college.
• Strategies for funding retirement.
• Uses for life insurance besides the obvious.
• Develop and maintain an estate plan
• Taxes. All plans and actions need to consider taxes. Which means right now you must consider dividends, long term capital gains, municipal bonds and life insurance.
Education and accreditations:
BS Management Science,  Finance , Tepper School of Business, Carnegie Mellon University
Masters of Business Adminsistration, Tepper School of Business,  Carnegie Mellon University
Series 6
Series 7
Series 63
Series 66
CA Life & Health Insurance
Check the background of this firm on FINRA’s BrokerCheck
Securities offered through SagePoint Financial, Inc., a registered broker dealer member FINRASIPC Investment advisory services offered through SagePoint Financial,Inc., a registered investment advisor. Certain insurance products offered through ICM Private Client Group, Inc. ICM Private Client Group, Inc. is a separate company from SagePoint Financial, Inc. Insurance License Number: 0I92424This communication is strictly intended for individuals residing in the states of AK, AL, AZ, AR, CA, CO, CT, DC, FL, GA, HI,IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC,ND, NE, NH,NJ, NM, NY, NC,ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI, and WY. No offers may be made or accepted from any resident outside the specific states referenced.IMPORTANT CONSUMER INFORMATION:A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.
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