We don't predict markets. We don't pick stocks. We build portfolios grounded in academic research and manage them with precision — so you stop leaving returns on the table.
"The stock market has historically returned nearly 10% annually. Most investors capture only a fraction of that — because of emotion, timing mistakes, and excessive costs. We fix all three."— Nirav Desai, Founder, Qubera Wealth Management
Most advisors build portfolios first and call it financial planning. We do the opposite. We start with your goals, your income, your timeline, and your tax situation. Then we build an investment strategy that serves that plan.
This sounds obvious. It rarely happens in practice. Portfolios built to a financial plan are maintained with discipline through downturns — because the client understands why they own what they own.
Decades of academic research from Fama, French, Asness, and others has identified persistent return premiums associated with specific portfolio characteristics: value, quality, small-cap, and momentum. We build portfolios that systematically capture these premiums using low-cost ETFs.
This is not passive indexing. It's disciplined, evidence-based active management — without the fees and behavioral biases of traditional stock-picking.
Companies trading at low multiples relative to fundamentals
Profitable, financially sound companies with durable moats
Small-cap tilt to capture the long-run size premium
Securities with recent relative strength vs. their peers
For high earners, taxes are often the single largest drag on investment returns — exceeding fees and even underperformance in many cases. We manage taxes as rigorously as we manage the portfolio itself.
Every basis point of expense ratio is a guaranteed drag on returns. We use institutional-quality ETFs with expense ratios typically under 0.40% — compared to the 1–1.5% commonly charged by actively managed mutual funds and many wealth management platforms.
Our advisory fee is transparent, disclosed in writing, and the only compensation we receive. No fund revenue sharing. No 12b-1 fees. No kickbacks.
Nirav maintains a significant portion of his personal retirement assets in the same strategies built for clients. This is not a marketing statement — it's a structural commitment to alignment that most advisors avoid making.
When we recommend a portfolio tilt or a tax strategy, we've considered whether we'd apply it to our own money. Usually, we already have.
We build a comprehensive plan defining your goals, timeline, income, tax situation, and risk parameters. The investment strategy flows from this — not the other way around.
We determine the optimal equity/fixed income split, geographic diversification, and factor exposures appropriate for your specific situation and timeline.
We select the specific ETFs, assign them to the right account types for tax efficiency, and build the full portfolio across all of your accounts holistically.
We monitor the portfolio continuously, rebalance systematically, harvest tax losses opportunistically, and adjust the strategy as your life evolves.
We meet at least annually for a comprehensive portfolio and financial plan review — and more frequently around major life or market events.