Complex finances.
Clear advice.
Sophisticated wealth management for women in tech, business owners, and high-earning professionals. We specialize in RSU strategy, equity compensation, business exit planning, and building lasting financial independence.
Your advisor signs a fiduciary pledge. Not lip service — a legal commitment.
At Qubera, our interests are only aligned with yours. We earn no commissions, no kickbacks, no referral fees.
Investment properties analyzed & owned personally
A different kind of advisor
Most financial advisors are salespeople with a fiduciary veneer. Qubera was built differently — as a firm where the advisor's only incentive is your financial success.
Fee-only, no conflicts
We charge transparent advisory fees and nothing else. Your portfolio recommendations are never influenced by commissions.
Low client-to-advisor ratio
We deliberately limit our client load so every client receives the depth and attention they deserve. You have direct access to Nirav — always.
Data-driven, research-backed
MBA in Finance from UCLA Anderson. Every recommendation is grounded in academic research and mathematical modeling — not gut feel or sales targets.
Comprehensive wealth management
From your next vesting event to your eventual financial independence — we plan, manage, and optimize every dimension of your financial life.
Equity & RSU Planning
Strategic planning for every vesting event — timing, tax optimization, and systematic diversification away from concentrated positions.
Learn more →Tax Strategy
Comprehensive tax planning for high earners — from capital gains optimization to estate-efficient giving strategies.
Learn more →Retirement & FI Planning
We map your exact number and build the systematic plan to reach financial independence — on your terms, on your timeline.
Learn more →Investment Management
Factor-tilted, low-cost portfolios built on academic research. We manage and rebalance continuously across all your accounts.
Learn more →Alternative Investments
Access to private credit, real estate development, and other alternatives that complement your public market portfolio.
Learn more →Estate & Insurance Planning
Objective insurance analysis and estate coordination — we work alongside your attorneys and CPAs to unify your plan.
Learn more →10 Mistakes Women Executives Are Making With Their Money
A plain-language guide for Directors, VPs & C-Suite women in tech — covering RSUs, equity compensation, retirement gaps, and the wealth-building moves most high earners overlook.
- ✓ Written for $200K–$500K+ total comp earners
- ✓ Covers RSUs, OTE comp, equity & career transitions
- ✓ Backed by McKinsey, Fidelity & BLS research
- ✓ No jargon. No condescension. No product pitch.
What most people ask before working with us
What is a fee-only fiduciary financial advisor?
A fee-only fiduciary financial advisor charges clients directly through flat fees, hourly rates, or a percentage of assets managed, and earns no commissions from product sales. A fiduciary is legally obligated to act in the client's best interest at all times. At Qubera, we are fee-only and fiduciary — our only incentive is your financial success.
How are RSUs taxed in California?
RSUs are taxed as ordinary income in the year they vest, at both federal and California state level. For high earners in California, combined marginal rates can exceed 50%. Strategic planning around vesting events — including timing, tax-loss harvesting, and withholding management — can significantly reduce this burden.
What is the difference between a fiduciary and a broker?
A fiduciary advisor is legally required to act in your best interest at all times. A broker is held to a lower suitability standard, meaning they only need to recommend products suitable for you — not necessarily the best option. Brokers can earn commissions, creating conflicts of interest. Fee-only fiduciary advisors like Qubera eliminate this conflict entirely.
Do you work with clients outside of California?
Yes. While Qubera is based in Pasadena, California, we serve clients nationally via video conference. Many of our clients are remote-first tech professionals located across the United States.
How much does financial planning cost at Qubera?
Qubera offers three pricing structures: hourly advisory at $350/hr, a comprehensive financial plan for $1,600–$7,500 as a one-time fee, and ongoing wealth management priced as a percentage of assets under management. All fees are transparent and disclosed in writing.
What is Qubera's investment philosophy?
Qubera builds evidence-based, factor-tilted portfolios grounded in decades of academic research. We favor low-cost ETFs with tilts toward value, quality, and profitability factors, combined with tax-efficient positioning and alternatives where appropriate. We do not market-time or chase performance.
Ready to build a plan that matches your ambition?
Start with a complimentary 30-minute consultation. No sales pitch — just a genuine conversation about your situation and whether we're the right fit.
Schedule Your Free Call