Helpful answers about RMR Wealth

RMR Wealth Builders was established in 1986 and has spent four decades helping individuals, families, and organizations navigate important financial decisions. In 2014, RMR became a Registered Investment Adviser, reinforcing our commitment to providing comprehensive, fiduciary-focused financial guidance.

At RMR Wealth, we believe financial planning should be personal, coordinated, and relationship-driven. Rather than focusing on just investments, we take a comprehensive approach that considers all aspects of your financial life, including retirement planning, tax strategies, estate considerations, insurance, employee benefits, and long-term goals.

Clients also benefit from access to a collaborative team of professionals with diverse areas of experience working together to help deliver thoughtful guidance and personalized solutions.

RMR Wealth works with individuals, families, business owners, retirees, corporate employees, employers, and institutions. We serve clients across many stages of life, from professionals building wealth to retirees focused on income, legacy, and long-term financial confidence.

Yes. As a Registered Investment Adviser, RMR Wealth acts as a fiduciary when providing advisory services, meaning we are obligated to act in our clients’ best interests.

A CFP® professional is a financial advisor who has earned the CERTIFIED FINANCIAL PLANNER® certification, which is widely considered the standard of excellence in financial planning. To earn the designation, they must meet strict education, examination, experience, and ethical requirements.

In meeting the rigorous standards set by the CFP Board, a CFP® professional has learned to provide holistic, personalized advice on investments, retirement, insurance, tax strategies, and estate planning, and is required to act as a fiduciary, always putting their clients’ best interests first.

A Chartered Financial Analyst professional is an investment professional who has earned the CFA designation, which is considered a leading credential in investment management. Candidates must pass three levels of exams covering topics such as ethics, financial reporting, economics, and security analysis, which often takes several years to complete.

Beyond exams, they must have at least 4,000 hours of relevant investment decision-making experience and commit to the CFA Institute’s ethical standards.

RMR Wealth offers a broad range of services, including financial planning, investment management, retirement planning, employee benefits consulting, insurance planning, and workplace retirement plan solutions.

Your initial consultation is an opportunity for us to learn more about your goals, priorities, concerns, and current financial situation. We’ll discuss where you are today, where you would like to go financially, and how RMR Wealth may be able to help support that journey.

No. Initial consultations are complimentary and provide an opportunity to ask questions, learn more about our process, and determine whether working together makes sense.

No. While investment management is one component of what we do, our approach is centered around comprehensive financial planning. Depending on your needs, conversations may include retirement income, taxes, estate planning, insurance, employee benefits, education planning, and other important financial considerations.

Meeting frequency depends on your needs and preferences. Some clients prefer regular ongoing reviews, while others may meet more frequently during major life transitions or planning events.

Yes. RMR Wealth offers both in-person and virtual meetings to provide flexibility and convenience for clients regardless of location.

Client assets are held with independent custodians such as Fidelity Investments and Charles Schwab. These custodians provide account custody, trade execution, statements, and account security.

Yes. Clients have access to online account portals where they can securely view account balances, performance, documents, and other financial information.

Black Diamond Wealth Platform is the client experience and reporting platform RMR Wealth uses to help clients view and monitor their financial information digitally.

eMoney Advisor is a financial planning platform that helps organize and visualize important aspects of your financial life in one secure place. Depending on the services you utilize with RMR Wealth, eMoney may be used as part of the financial planning process to help track progress toward goals, review cash flow, analyze retirement scenarios, evaluate net worth, and organize financial documents and account information.

The platform also provides a secure client portal experience that can help improve collaboration, transparency, and ongoing communication throughout the planning process.

Protecting client information is extremely important to us. RMR Wealth utilizes secure technology platforms, custodial protections, cybersecurity practices, and operational safeguards designed to help protect sensitive financial information.

Yes. RMR Wealth works with employers and organizations on retirement plans, employee benefits, financial wellness initiatives, and workforce planning strategies.

Yes. RMR Wealth assists employers with evaluating, implementing, and servicing qualified retirement plans, including 401(k) plans and other workplace retirement solutions.

Retirement plans can help employers attract and retain talent, support employee financial wellness, and provide valuable long-term benefits to their workforce.

The Federally Insured Cash Account is a program RMR introduced to expand on the existing cash options available to you. FICA is a series of insured deposit accounts that are electronically linked together, which eliminates the uncertainty related to money market mutual fund reform.

Deposits in FICA® are liquid, earning same-day credit on purchases and providing next-day liquidity on redemptions, with no investor commingling, transaction fees, or redemption gates. Backed by the full faith and credit of the U.S. government, deposits in FICA® have no price volatility, credit, or market risk.

The Securities Investor Protection Corporation is a nonprofit membership corporation that was created by federal statute in 1970. Unlike the FDIC, SIPC does not provide blanket coverage. Instead, SIPC protects customers of SIPC-member broker-dealers if the firm fails financially.

Coverage is up to $500,000 per customer for all accounts at the same institution, including a maximum of $250,000 for cash. SIPC does not protect investors if the value of their investments falls.

The U.S. Securities and Exchange Commission is an independent agency of the United States federal government. The SEC is responsible for enforcing federal securities laws, proposing securities rules, and regulating the securities industry. The SEC is the primary regulator for RMR’s advisory business.

The CFP Board, or Certified Financial Planner Board of Standards, Inc., is a Washington, D.C.-based nonprofit organization that serves as the credentialing body for personal financial planners in the United States. It establishes and enforces education, examination, experience, and ethics requirements for the CFP® certification.

The CFA Institute is a global, not-for-profit professional organization that sets standards for investment professionals. It is best known for offering the CFA Program and promoting ethical standards, education, and professional excellence in the global investment industry.