Fee-Only · Fiduciary · Independent

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.

Schedule a Free Consultation Explore Services
FREE Download: 10 Mistakes Women Executives Make With Their Money →
14+ Years Experience
Fee-Only Zero Commissions
Fiduciary Your Interests First
Financial Snapshot
Tech Executive Portfolio
RSU Vesting (Annual) $180K
Tax Savings (YTD) +$42,000
Portfolio Diversification Optimized ✓
Retirement on Track Age 52 ✓
Fiduciary Pledge Signed No commissions. Ever.

We work with

$485K Largest single-year tax reduction for one client household
$181K Capital gains taxes avoided on a single real estate sale
85+ Client households served across the United States
14+ Years advising high-earning professionals and tech executives

Client outcomes are from actual engagements, anonymized to protect privacy. Results are not guaranteed and will vary based on individual circumstances.

Built for you

Financial complexity deserves genuine expertise

Your compensation package is sophisticated. Your financial plan should be too.

RSU & ESPP Planning Stock Option Strategy Equity Diversification Tax Optimization Women in Tech Sales Executives Business Exit Planning Solo 401(k) Strategy Practice Ownership Deferred Compensation Physicians & Attorneys
📈

Concentrated stock position?

We build systematic diversification strategies so your wealth isn't tied to one ticker.

💸

RSUs vesting and taxes spiking?

We time, plan, and optimize every vesting event to minimize your tax burden.

🎯

Ready to reach financial independence?

We map the exact number and the path to get you there — on your timeline.

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.

20+

Investment properties analyzed & owned personally

Why Qubera

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

M.S. Computer Science (USC) and MBA in Finance (UCLA Anderson). Every recommendation is grounded in academic research and quantitative modeling — not gut feel or sales targets.

Meet Nirav
What we do

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 →
Free resource

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.
Get the Free Guide Download PDF Directly
FREE DOWNLOAD
10 Mistakes
Women Executives Are Making With Their Money
What's inside
RSU tax traps
Stock concentration
Retirement gaps
Equity comp strategy
Career transitions
Tax optimization
By Nirav Desai · Qubera Wealth Management · Fee-Only Fiduciary
Client Outcomes

Real situations. Real results.

Every client situation is different. These are three recent examples — each involving a complex, high-stakes financial decision where timing and structure made a meaningful difference.

RSU Planning Concentrated Stock Tax Strategy

From 75% concentration to a tax-efficient diversification plan — without a dollar of unnecessary tax

Senior Software Engineer · Large Semiconductor Company · California

$1.5M in a single employer's stock. 75% of investable assets. A previous advisor whose only strategy was covered calls. We built a rolling 5-year plan using layered exchange strategies that reduced concentration without triggering a taxable event.

$700KDiversified in a tax-efficient manner over 3 years
~$270KIn Oil & Gas deductions generated
Read the full case study →
Liquidity Event Tax Strategy Charitable Planning

A $1M tax bill from a PE acquisition — reduced by nearly half through four coordinated strategies

Senior Director · Bay Area SaaS Company · California

An involuntary PE acquisition forced the liquidation of $2.5M in stock, creating a $1.044M combined tax bill. Four strategies deployed simultaneously in a single tax year reduced that bill by $485K.

~$485KIn tax savings — federal and California combined
46%Tax bill reduction
Read the full case study →
1031 Exchange DST Investing Retirement Income

A 35-year rental sold tax-free and doubled for income through a 1031 exchange into DSTs

Retired Firefighter, Age 70 · Los Angeles

A 35-year rental worth $675K and a $181K tax bill he didn't know was coming. One call before he signed the sale agreement changed everything — and doubled his annual income nearly tax-free.

$181KIn capital gains & recapture taxes completely avoided
~2×Annual income from real estate
Read the full case study →
View all case studies →
Common Questions

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

Or call: (323) 999-1095  ·  [email protected]  ·  LinkedIn