--- title: Financial Insights | Pre-IPO & Tax Planning | Werba Rubin Papier | Aaron Rubin, JD, CPA, CFP® (2) description: Aaron Rubin specializes in financial, estate, and tax planning. With an extensive background in financial services, he advises on some of the most pivotal decisions in his clients’ lives. Aaron takes particular pride in helping his young tech clients make tax-savvy, financially sound decisions about their stock compensation packages.He received a BA in Economics-Accounting-Spanish from Claremont McKenna College. He graduated cum laude from the University of Illinois College of Law and was admitted as a member of the California Bar in 2006. He is licensed as a certified public accountant, and previously was licensed as a life, health, and property and casualty insurance agent in the state of California. In 2009, Aaron also received his CFP® designation. Aaron started his career in accounting, working at international CPA firm Deloitte, where he focused on high net worth individual income tax returns. He then moved to Abbott Stringham & Lynch — a local CPA firm — expanding his focus to estate and gift tax returns and planning. He has been with WRP since 2009. When he’s not helping his clients, Aaron dedicates his time to nonprofits. He is a member of South Bay Giving Circle and has had previous experience on Bay Area charitable boards and fundraising committees. Aaron and his wife Libby live on the Peninsula with their three daughters, Natalie, Gwen, and Emmy, along with their winsome Goldendoodle, Mollie. (2) --- [![WRP Wealth Logo](https://www.wrpwealth.com/wp-content/themes/wrpwealth/resources/images/logo.png)](https://www.wrpwealth.com/) - What We Do - [Investment Management](https://www.wrpwealth.com/investment-management/) - [Tax Planning](https://www.wrpwealth.com/tax-planning/) - [Financial Planning](https://www.wrpwealth.com/financial-planning/) - [IPO Stock Options Planning](https://www.wrpwealth.com/ipo/) - [Who We Are](https://www.wrpwealth.com/who-we-are/) - [Our Approach](https://www.wrpwealth.com/our-approach/) - [Resources](https://info.wrpwealth.com/resource-center) - [Insights Blog](https://insights.wrpwealth.com/) - [FAQ](https://www.wrpwealth.com/wrp-faq/) - [Contact](https://www.wrpwealth.com/contact/) - [WRP Tax Services](https://www.wrptax.com/) # Insights [All](https://insights.wrpwealth.com) [Stock Options](https://insights.wrpwealth.com/tag/stock-options) [Financial Planning](https://insights.wrpwealth.com/tag/financial-planning) [Pre-IPO](https://insights.wrpwealth.com/tag/pre-ipo) [Investing](https://insights.wrpwealth.com/tag/investing) [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) [Taxes](https://insights.wrpwealth.com/tag/taxes) [Charitable Trusts](https://insights.wrpwealth.com/tag/charitable-trusts) ![author](https://insights.wrpwealth.com/hubfs/Headshots/20250131_WRP_Aaron_Rubin_0047_WEB.jpg) ### Aaron Rubin, JD, CPA, CFP® **Job Title:** Accounting **College Designation:** Economics-Accounting-Spanish from Claremont McKenna College Aaron Rubin specializes in financial, estate, and tax planning. With an extensive background in financial services, he advises on some of the most pivotal decisions in his clients’ lives. Aaron takes particular pride in helping his young tech clients make tax-savvy, financially sound decisions about their stock compensation packages.He received a BA in Economics-Accounting-Spanish from Claremont McKenna College. He graduated cum laude from the University of Illinois College of Law and was admitted as a member of the California Bar in 2006. He is licensed as a certified public accountant, and previously was licensed as a life, health, and property and casualty insurance agent in the state of California. In 2009, Aaron also received his CFP® designation. Aaron started his career in accounting, working at international CPA firm Deloitte, where he focused on high net worth individual income tax returns. He then moved to Abbott Stringham & Lynch — a local CPA firm — expanding his focus to estate and gift tax returns and planning. He has been with WRP since 2009. When he’s not helping his clients, Aaron dedicates his time to nonprofits. He is a member of South Bay Giving Circle and has had previous experience on Bay Area charitable boards and fundraising committees. Aaron and his wife Libby live on the Peninsula with their three daughters, Natalie, Gwen, and Emmy, along with their winsome Goldendoodle, Mollie. ![city-buildings](https://insights.wrpwealth.com/hubfs/pexels-expect-best-323705.jpg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Taxes,](https://insights.wrpwealth.com/tag/taxes) - [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) ##### [How to Get Cash from Your Stock Without Selling at IPO](https://insights.wrpwealth.com/how-to-get-cash-from-your-stock-without-selling-at-ipo) When you work for a startup, IPO is an immensely exciting time. Executives and employees who have been receiving equity compensation may be looking forward to IPO day in anticipation of a big payout. Typically, however, company insiders aren’t allowed to sell shares at ... January 15, 2024 [Read more](https://insights.wrpwealth.com/how-to-get-cash-from-your-stock-without-selling-at-ipo) ![christmas-present-donation](https://insights.wrpwealth.com/hubfs/pexels-lichtscheune-media-10398378.jpg) - [Taxes,](https://insights.wrpwealth.com/tag/taxes) - [Charitable Trusts](https://insights.wrpwealth.com/tag/charitable-trusts) ##### [Giving Back, Getting Back: Charitable Donations & Your Tax Return](https://insights.wrpwealth.com/giving-back-getting-back-charitable-donations-and-your-tax-return) Sharing your good fortune with others by donating to charities can generate a host of benefits. Not only can it spark that warm feeling inside of knowing that you’re making a difference; giving has also been shown to have the power to convey important health advantages ... December 11, 2023 [Read more](https://insights.wrpwealth.com/giving-back-getting-back-charitable-donations-and-your-tax-return) ![](https://insights.wrpwealth.com/hubfs/bay-area-california-unsplash-1.jpg) - [Stock Options,](https://insights.wrpwealth.com/tag/stock-options) - [Investing,](https://insights.wrpwealth.com/tag/investing) - [Financial Planning,](https://insights.wrpwealth.com/tag/financial-planning) - [Pre-IPO](https://insights.wrpwealth.com/tag/pre-ipo) ##### [What to Do When Your Company Stock Falls Below Its IPO Price](https://insights.wrpwealth.com/what-to-do-when-your-company-stock-falls-below-its-ipo-price) When you’re working for a startup and receiving equity compensation, hopes can run high at IPO time. Often, pre-IPO employees enjoy sizable boosts in their wealth after their companies go public. When things don’t go as planned, it can be hard to let go of the hope ... November 21, 2023 [Read more](https://insights.wrpwealth.com/what-to-do-when-your-company-stock-falls-below-its-ipo-price) ![stock-tenders](https://insights.wrpwealth.com/hubfs/Blog%20thumbnails/Stock%20images/person-looking-at-stocks-on-computer-1.jpg) - [Stock Options](https://insights.wrpwealth.com/tag/stock-options) ##### [Exploring Stock Tenders & Their Impacts](https://insights.wrpwealth.com/exploring-stock-tenders-and-their-impacts) A tender offer is an initiative by an individual, business, or corporate group to purchase a large quantity of non-public company stock. Initial investors and employees gain liquidity for their equities, making money available for other investments or expenses. By ... October 11, 2023 [Read more](https://insights.wrpwealth.com/exploring-stock-tenders-and-their-impacts) ![stock-options](https://insights.wrpwealth.com/hubfs/AdobeStock_184912716.webp) - [Stock Options](https://insights.wrpwealth.com/tag/stock-options) ##### [Maximizing Your Financial Potential: Understanding and Exercising Stock Options](https://insights.wrpwealth.com/maximizing-financial-potential-understanding-and-exercising-stock-options) Many companies provide stock options as equity compensation because they encourage employees to increase the value of their company through their work. It creates the potential for a tremendous win-win situation: employers benefit from an incentivized team that works ... September 6, 2023 [Read more](https://insights.wrpwealth.com/maximizing-financial-potential-understanding-and-exercising-stock-options) ![](https://insights.wrpwealth.com/hubfs/graphs.jpg) - [Pre-IPO,](https://insights.wrpwealth.com/tag/pre-ipo) - [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) ##### [ISOs vs. NSOs—What’s the Difference?](https://insights.wrpwealth.com/isos-vs-nsos-what-is-the-difference) Incentive and non-qualified stock options (ISOs and NSOs) are two types of equity compensation that companies use to attract, incentivize, and retain top talent. Incentive stock options receive preferential tax treatment but come with limitations that don’t apply to ... July 21, 2023 [Read more](https://insights.wrpwealth.com/isos-vs-nsos-what-is-the-difference) ![](https://insights.wrpwealth.com/hubfs/pexels-rodnae-productions-7491011.jpg) - [Charitable Trusts](https://insights.wrpwealth.com/tag/charitable-trusts) ##### [What You Need to Know About GRATs](https://insights.wrpwealth.com/what-you-need-to-know-about-grats) Grantor retained annuity trusts (GRATs) have become popular estate planning tools for wealthy families. Implemented properly, a GRAT can provide guaranteed income for the grantor and pass on wealth tax free to beneficiaries. In this article, we’ll look at how GRATs are ... June 29, 2023 [Read more](https://insights.wrpwealth.com/what-you-need-to-know-about-grats) ![](https://insights.wrpwealth.com/hubfs/Website%20files/wrp-hero-1.jpg) - [Taxes](https://insights.wrpwealth.com/tag/taxes) ##### [Tax Implications of RSU Double-Trigger Acceleration](https://insights.wrpwealth.com/tax-implications-of-rsu-double-trigger-acceleration) What are RSUs? Restricted stock units (RSUs) are a type of stock that companies often grant to employees as an incentive to remain with the company and contribute to its growth. Unlike stock options, which grant the right to purchase stock at a specified price, RSUs do ... June 6, 2023 [Read more](https://insights.wrpwealth.com/tax-implications-of-rsu-double-trigger-acceleration) ![](https://insights.wrpwealth.com/hubfs/Image%204-19-23%20at%203.55%20PM.jpg) - [Pre-IPO,](https://insights.wrpwealth.com/tag/pre-ipo) - [Post-IPO](https://insights.wrpwealth.com/tag/post-ipo) ##### [Maximizing Employee Equity: Stripe's Early Liquidity Approach](https://insights.wrpwealth.com/stripe-and-early-liquidity) When you have options or restricted shares in a private company, your equity compensation is in an uncertain state. You might anxiously await news of an anticipated IPO or SPAC acquisition and strategize how to pay the tax bill on your shares when it comes due, since ... May 30, 2023 [Read more](https://insights.wrpwealth.com/stripe-and-early-liquidity) ![](https://insights.wrpwealth.com/hubfs/recha-oktaviani-h2aDKwigQeA-unsplash.jpg) - [Taxes](https://insights.wrpwealth.com/tag/taxes) ##### [How Is the Alternative Minimum Tax Calculated?](https://insights.wrpwealth.com/how-is-alternative-minimum-tax-calculated) As a startup employee with options or shares in your company, you may be encountering the alternative minimum tax (AMT) for the first time. Before the AMT, many high-income filers could largely avoid federal income tax liability by taking a variety of deductions and ... May 23, 2023 [Read more](https://insights.wrpwealth.com/how-is-alternative-minimum-tax-calculated) [Prev](https://insights.wrpwealth.com/author/aaron-rubin/page/1) [1](https://insights.wrpwealth.com/author/aaron-rubin/page/1) [2](https://insights.wrpwealth.com/author/aaron-rubin/page/2) [3](https://insights.wrpwealth.com/author/aaron-rubin/page/3) [Next](https://insights.wrpwealth.com/author/aaron-rubin/page/3) ###### What We Do - [Tax Planning](https://www.wrpwealth.com/#tax-planing) - [IPO Stock Options Planning](https://www.wrpwealth.com/#stock-options) - [Financial Planning](https://www.wrpwealth.com/#financial-planning) - [Investment Management](https://www.wrpwealth.com/#investment-management) ###### Resources - [Insights Blog](https://insights.wrpwealth.com/) - [FAQ](https://www.wrpwealth.com/wrp-faq/) - [Resource Center](https://info.wrpwealth.com/resource-center/) - [Contact](https://www.wrpwealth.com/contact/) ###### Contact Us [408-217-2000](tel:408-217-2000) 1732 N 1st Street, Suite #200 San Jose, CA 95112 ###### Subscribe to Our Blog Investment advisory services provided by Werba Rubin Papier Wealth Management, LLC ("Werba Rubin Papier"). © 2026 WRP Wealth | [Privacy Policy](https://info.wrpwealth.com/privacy-policy) | [ADV Brochure](https://insights.wrpwealth.com/hubfs/Website%20files/WRP_ADV%20Brochure_2025.pdf) | [Relationship Summary](https://insights.wrpwealth.com/hubfs/Downloadable%20Content%20Pieces/2024-01-22%20WRP%20Form%20CRS.pdf)