A Bethesda-based wealth consulting practice within UBS Financial Services Inc. We plan, invest, and protect capital for families and founders across the greater Washington D.C. metro — with the patience of a private banker and the resources of a global firm behind every decision.
For sixteen years, our partners have advised a deliberately small roster of households and privately-held businesses in Montgomery County. We are not a call centre. We are the people who answer when life calls.
The Rubin & Kretkowski Group was founded on a simple conviction: that wealth, properly stewarded, is measured in decades rather than quarters. We work with families navigating inheritance, executives managing concentrated equity, and founders preparing for the liquidity event that will define the next chapter of their lives.
As a practice within UBS Financial Services Inc., we pair the intimacy of a two-partner advisory team with the research, custody, and lending capabilities of one of the world's largest wealth firms. Our clients see the difference in the calm of our conversations and the depth of the analysis behind them.
Each engagement below is shaped to the household or business in front of us. The figures shown are indicative starting points for planning fees and asset-based compensation; final terms are documented in a formal advisory agreement before any work begins.
Discretionary and advisory portfolio construction across equities, fixed income, alternatives, and UBS private market access. Built around your liquidity needs, tax posture, and tolerance for drawdown.
Sequenced withdrawal planning across 401(k), IRA, Roth, and taxable accounts to minimise lifetime tax drag and protect against sequence-of-returns risk through the first ten retirement years.
Coordination with your attorney and CPA on trusts, gifting strategy, dynasty planning, and beneficiary alignment. We translate the legal architecture into an investable, rebalanced balance sheet.
Pre-transaction planning for founders three to five years from a sale: entity restructuring, ESOP evaluation, charitable deferral, and post-liquidity reinvestment of net proceeds.
Working alongside corporate co-trustees on distribution policy, investment policy statements, and the family communication cadence that prevents the second generation from inheriting confusion.
Year-round tax-loss harvesting, asset location across account types, direct indexing where suitable, and quarterly coordination with your preparer to keep the after-tax return the one that matters.
A handful of moments from a typical season — planning reviews, market briefings, and the long conversations that precede any meaningful decision.
Quarterly Review
Estate Session
Founders Briefing
Allocation Map
Our process is deliberately slow at the start and disciplined thereafter. Most relationships begin with a 90-minute conversation and a written analysis before any assets move.
A 90-minute conversation in our Bethesda office. We listen for the people, the obligations, and the ambitions that the balance sheet alone will never reveal.
A written analysis of your current balance sheet, allocation, estate documents, and tax posture — delivered within three weeks, with specific recommendations.
Where we agree, we implement: portfolio restructuring, document updates with your attorney, and the establishment of any trusts or custodial structures required.
Quarterly reviews, annual planning refreshes, and standing availability for the unexpected — a birth, a sale, a loss, a relocation. The work is never finished.
We accept a limited number of new households each year. If you are considering a change, preparing for a transition, or simply seeking a second opinion, we would be glad to talk.
Most engagements begin with a single, no-obligation conversation in our Bethesda office or over a scheduled video call. Tell us a little about your situation using the form, and one of our partners will respond personally within two business days.
We work with households and privately-held businesses across the Washington D.C. metropolitan area — including Bethesda, Chevy Chase, Potomac, Rockville, Northwest D.C., and McLean.