In the wake of the recent news about Silicon Valley Bank and Signature Bank, questions about SIPC coverage have come up more frequently. At RMR, we pride ourselves on ensuring that our client’s assets are protected to the fullest...
Read MoreOnly one-third of adults have a will in place, which may not be entirely surprising. No one wants to be reminded of their mortality or spend too much time thinking about what might happen once they’re gone.1But a will is an...
Read MoreDo you have a will?A will enables you to specify to whom you want to inherit your property and other assets. A will also enable you to name a guardian for your minor children.Do you have healthcare documents in place?If you cannot make...
Read MoreRMR Wealth Builders, Inc. (“RMR”) officially announces that Ryan DeGrau has been named as its Chief Executive Officer effective January 2023. Ryan has been the acting Executive Vice President for the firm since 2017 and...
Read MoreHealthcare can be one of retirement's largest expenses. A Health Savings Account (HSA) provides a tax advantaged way to save for health care cost in retirement. You receive a tax deduction when you make the contribution, assets grow...
Read MoreTIPS TO BE PREPARED THIS TAX SEASONTax season can be stressful, and the deadline will be here before you know it. Here are a few tips to make the process easier:Start early: January 23rd was the official start of tax season....
Read MoreRetirement Contribution Limits for 2022With Tax Season in full swing, now is the opportunity to review your retirement accounts and ensure you’ve reached your contribution limits.For 2022, the contribution limit for traditional...
Read MoreRMR Wealth Builders Inc. is pleased to announce that our Director of Financial Planning, Tyler F. Whitehouse, CFP®, has been formally recognized by the National Football League Players Association (NFLPA) as a Registered Player...
Read MoreNew Jersey’s 529 Plan Tax DeductionOne of the largest challenges when it comes to education planning is finding a way to appropriately save for future expenses. A 529 college saving plan can help. A 529 plan is a college savings...
Read MoreBudgetingA budget is a tool designed to track where your money goes. It is critical to understand how to reach goals. Using a budget, you can determine how income and assets are used to cover current expenses or fund a future goal. A...
Read MoreThe start of a new year is the perfect time to review and set goals. Whether it’s reducing debt, changing jobs, planning for retirement, or buying a new home, personal finances play a role in meeting your goals. A financial...
Read MoreDecember 27, 2022Secure Act 2.0, through bipartisan support, has passed and has been sent to President Biden’s desk for signature. The passage of this retirement legislation is aimed at expanding a workplace retirement...
Read MoreDecemberThe Stock MarketFinally, when things were beginning to look more favorable for the beaten-down stock market in 2022, Fed Chairman Powell pulled the rug out from underneath the recent stock rally, becoming the Grinch who...
Read MoreAs of October 21st, 2022, the Internal Revenue Service (IRS) released a notice informing the changes for the 2023 contribution limits. Some numbers to highlight are listed below:Personal Finance:Numerous positive changes are coming in...
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The Stock MarketHow bad has this year been? Awful is the only adjective to describe 2022. Data from Evercore ISI shows that 2022 is the only year on record in which the S&P 500 and the bond market have fallen 10% or more. So far in...
Read MoreHere at RMR Wealth Builders, we are excited about our recent Montclair Office expansion coming to completion. This is an exciting time for us as a company but also symbolic of the growth and potential for new things on the horizon. To...
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Entering the second half of 2022, the stock and bond outlook is quite uncertain. Questions abound: Are we going into recession? Are we already in one? Will the Fed continue to raise rates to slow down inflation? Will the Fed pause...
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Investors have seen equity markets reacting starkly negatively to the Fed’s belated inflation response. Much of this selling pressure is believed to be on the anticipation that the U.S. economy will slip into recession between...
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Not All Bear Markets are Recessions, Not All Recessions are CrisesIn our last piece, The Yield Curve’s April Fool’s Joke | RMR Wealth Builders, Inc., we explained how, despite an inversion of the 2Yr/10Yr yield curve (that...
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For Tier 2 & Tier 3 members of PFRS whose earnings are in excess of the social security wage base, which is $142,800 in 2021, in addition to your regular pension contributions, you also gain access to participate in The Defined...
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When the time comes to select your company’s group benefit plans, the options can seem overwhelming. Before you can choose the right health insurance plan for your employees, you’ll need to understand the differences...
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RMR Wealth Builders Inc. was founded in 1986 by a group of financial advisors that banded together to create a firm with a culture of delivering quality service and advice through an approach focused on relationships. Through...
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As the total daily number of passengers boarding commercial flights has started to increase from historical lows, airline stocks are looking to move past survival mode and return to profitability. While the numbers are trending in the...
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The timely expression has long been used to justify the influence of Fed policy on the stock market, suggesting that investors can do well to invest in a way that aligns with current monetary policies of the Federal Reserve Board,...
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With three coronavirus stimulus packages already passed, it may only be a matter of time before we see a fourth. As massive as the most recent $2 trillion package was, it’s possible that the next wave of fiscal stimulus will be...
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This correspondence is intended to summarize and share our perspective on how the first three (3) phases of Federal Coronavirus (COVID-19) stimulus measures impacts how RMR Wealth Builders, Inc. administers personal client and business...
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As the coronavirus pandemic has brought the economy to a virtual standstill in forcing many businesses throughout the country to shut down, the number of Americans filing for unemployment claims surged to a record 6.6 million on...
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With oil prices plunging to a 17 year low alongside the coronavirus pandemic, the markets are dealing with the simultaneous emergence of two black swan events, a vicious 1-2 combination that has the global economy reeling. When Russia...
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While history affords us the hindsight to see exactly when and where each bear market ends, trying to do so in the present has usually proven to be inaccurate, unreliable and harmful. The end of the volatility and bottoming process is...
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With two of the most volatile weeks in market history behind us, and with an unclear and uncertain near -term future, it’s important to remember and to understand the greater context of RMR’s long-term investment philosophy...
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We have recently completed a full review of the RMR Pillar Portfolios for the First Quarter of 2020. The Quarterly Investment Notes are attached, detailing our reasoning for any changes and our market outlook. Fixed Income 2019 showed...
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We have recently completed a full review of the RMR Pillar Portfolios for the Fourth Quarter of 2019. Take a look at our Fourth Quarter Investment Notes below. Fixed Income Amid building evidence that trade wars are stirring up the...
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President Trump announced last week that he was imposing an additional 10% tariff on $300 billion of Chinese goods entering the U.S. on September 1st. The news broke right after our Federal Reserve lowered interest rates 25 basis...
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We have recently completed a full review of the RMR Pillar Portfolios for the Third Quarter of 2019. Take a look at our Third Quarter Investment Notes, detailing our reasoning for the changes and our market outlook. Fixed Income The...
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RMR has had a busy summer so far, in and out of the office. Here are some updates around the firm from this quarter! New Hires We had two incredible new hires this quarter. Aiden Wright is a returning Financial Services Intern from...
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As of June 2019 Balance is necessary for a successful financial plan. Unfortunately, many investors aren’t sure where to begin. There are simply so many variables to consider. Stocks, bonds, and rates. Oh my! With trade talks...
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The following are true stories. The names have been changed to protect the guilty. Case #1 Group Benefits Debacle Several years ago, I worked for a firm that advised and provided Executive Carve-out benefits for our corporate clients....
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RMR Investment Committee Every quarter, RMR’s Investment Committee looks at the current market trends and predictions to adjust or affirm our outlook. We look at a variety of factors affecting both fixed income and equity markets...
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A stunning recent report from the Economic Policy Institute indicates that, "nearly half of families have no retirement account savings at all." Adding to this dire outlook for Americans and retirement, a GOBankingRates survey...
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When you're young and just starting out in life, you can often feel invincible. Few members of the Millennial generation have life insurance outside an employer-provided policy, and even fewer have disability insurance—perhaps...
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