Morgan Stanley
46yrs
Top advisor by experience in Palo Alto
28yrs
Ruby Lin has worked in the financial industry for 28 years and is a fiduciary financial advisor based in Palo Alto, California. After 15 years at Merrill and seven years at Wells Fargo Investments, Ruby joined RBC Capital Markets in 2023, a firm offering financial planning, investment management, and private fund management. RBC Capital Markets reports being paid through a percentage of assets and flat fees.
One of 574 advisors with offices in Palo Alto, and one of 547 fiduciaries.
At a glance
Experience28 years (since 1998)
How that compares ?Top 16% by experience in Palo Alto
OfficePalo Alto, CA
How the firm is paid ?Percent of assets, Flat fee
Typical client at the firm ?$1.02 million
Advisors at the firm3,840
States licensed ?2 states
Services through RBC Capital Markets
Financial planningInvestment management for individuals and small businessesManaging private fundsInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 2023 – nowRBC Capital Markets, LLCCurrent firm
- 2008 – 2023MerrillPreviously
- 2001 – 2008Wells Fargo Investments, LLCPreviously
Questions to ask Ruby
Tailored to Ruby’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About Ruby
How do I contact Ruby?
Call RBC Capital Markets at 212-858-7000 and ask for Ruby Lin. Ruby works from the Palo Alto, CA office.
How long has Ruby been a financial advisor?
Ruby has been in the industry since 1998, about 28 years. Top 16% by experience in Palo Alto.
What licenses does Ruby hold?
Series 63, Series 65. Tap any license on this page to see what it allows.
Is Ruby a fiduciary?
Ruby is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Ruby paid?
RBC Capital Markets reports being paid by a percentage of the assets they manage, flat or fixed fees. Ask Ruby for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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