In this episode of Money & Meaning, host Jeff Bernier speaks with Rubin Miller, founder and Chief Investment Officer of Peltoma Capital Partners and author of the Fortunes and Frictions blog. They explore Rubin’s journey from trading floors to founding a boutique advisory firm, discuss market philosophy, and examine the tension between serving high-net-worth clients and reaching broader audiences. Rubin shares his views on investment process, financial planning, and what it means to live a meaningful life—both personally and professionally.
Topics covered:

 Rubin’s professional path from bond trading to launching Peltoma Capital
 His firm’s investment philosophy: market efficiency, diversification, and implementation
 Thoughts on small-cap and value premiums
 How bond portfolios are influenced by the shape of the yield curve
 The difference between financial planning timelines and academic investment research
 Role of financial advisors: planning vs. investment management
 Frictions that prevent investors from executing sound strategies
 Rubin’s passion for making financial education accessible to all
 Defining “a perfect day” and the broader idea of fortune
 Reflections on personal growth and recovering from setbacks

Useful Links:

Jeff Bernier on LinkedIn
Peltoma Capital Partners
TandemGrowth Financial Advisors

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