FAQ How Long Have You Been in Business?RMR Wealth Builders, Inc. was established in 1986. From 1986 to 2021 it was headquartered in Teaneck, NJ and in 2021 our headquarters was relocated to Montclair, NJ. In 2014, RMR established itself as a Registered Investment Adviser (RIA).What services do you offer?RMR offers an array of services including but not limited to:Financial PlanningInvestment ManagementQualified Retirement PlansEmployee BenefitsLife/Health/Disability InsurancePayroll and Human Capital Management ConsultationHow do I become a personal wealth management client?You can call our office at any time to set up a complementary consultation with one of our representatives. During our initial meeting, we will review your current financial situation and discuss options for how we can best work with you and deliver the services you need. After an initial meeting, you will have a good idea of how we can help put you on the right path to meet your goals. Please call our home office at 201.836.2460 and we can schedule an appointment for you with one of our representatives. In person and virtual meeting are offered.How are you able to assist in offering group benefits or a retirement plan to my employees?Offering benefits or qualified retirement plan to your employees is a great way for employers to entice top talent to join their organization, remain competitive, and encourage employees to remain a member of their workforce for the long haul. Should you want to discuss the advantages of offering your employees benefits please call our office at 201.836.2460 and ask for a member of our corporate solutions team.Is there any cost for an initial consultation?No, there is no fee for an initial consultation. Initial consultations provide a chance for you to meet a representative, ask questions, and share information about your goals and expectations. At that point, you will be informed on any costs to engage us and how we may work together.Can I View My Account Online?Yes, you may view your account online by visiting our “Personal Finances Logins” or “Corporate Solutions Logins” at the top of your screen. When visiting the login page you will be able to navigate to one of the many client portals depending on how you work with us. Having issues logging in? Discuss with your representative for all available reporting options.What Custodians does RMR work with?RMR works with a few different custodians for brokerage accounts:Fidelity Institutional Wealth Solutions, LLCNational Financial Services, LLC via Calton & Associates, Inc.TD Ameritrade, Inc.For non-brokerage clients there are variety of other custodians we may introduce you to for the custody of your account. We will discuss with you the options during the process of setting up your accounts.Who Is Calton & Associates?Calton, established in 1987, is an independently owned, full-service securities broker-dealer and investment advisory firm offering a wide range of investment products and services. RMR’s representatives could be dually licensed with Calton to provide services as an Investment Adviser Representative of RMR or Calton and/or a Registered Representative with Calton. For more information on the services provided, please review the available disclosure documents under the “Disclosure” tab. RMR currently uses Calton as one of our broker dealer options for our brokerage clients. RMR uses Calton as an introducing broker dealer to gain access to the National Financial Services, LLC, custodial platform.Who is Fidelity Institutional?Fidelity Institutional provides trade execution, clearing, and other related services for your brokerage account. If your RMR account is with Fidelity, you will periodically receive communication such as brokerage account statements and trade confirmations directly from Fidelity. To learn more about Fidelity you can visit their website at www.fidelity.com.Who is TD Ameritrade?TD Ameritrade provides trade execution, clearing, and other related services for your brokerage account. If your RMR account is with TD Ameritrade, you will periodically receive communication such as brokerage account statements and trade confirmations directly from TD Ameritrade. They were acquired by Charles Schwab in October of 2020. To learn more about TD Ameritrade you can visit their website at www.tdameritrade.com.Who is National Financial Services?National Financial Services (NFS) provides trade execution, clearing, and other related services for your brokerage account. If you have a brokerage relationship with RMR Wealth Builders through Calton & Associates, you will periodically receive communication such as brokerage account statements and trade confirmations which will bear the Calton and/or NFS name.Who is Black Diamond?Black Diamond provides us with the tools and technology we need to deliver an outstanding digital experience to our personal wealth management clients. Black Dimond offers investors a personalized and interactive online environment where they can view their complete wealth picture anytime, anywhere, on any device. To set up your online access please reach out to your representative.Who is FICA?The Federally Insured Cash Account (FICA) 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. FICA® provides a competitive yield spread over treasury and government money market funds and direct government securities.What Does SIPC Mean?The Securities Investor Protection Corporation (SIPC) 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.What Is FINRA?The Financial Industry Regulatory Authority is a regulatory organization for all securities firms doing business in the United States, which includes over 4,000 brokerage firms and approximately 650,000 registered securities representatives. Created in July 2007 through the consolidation of National Association of Securities Dealers (NASD) and the regulatory functions of the New York Stock Exchange, FINRA is dedicated to investor protection and market integrity through effective regulation and compliance services. www.FINRA.orgFINRA’s scope encompasses nearly every aspect of the securities business: Registering and educating industry participants; examining securities firms; writing rules; enforcing those rules and federal securities laws; informing and educating the investing public; providing trade reporting and other industry utilities; and administering the largest dispute resolution forum for investors and registered firms. It also performs market regulation under contract for the NASDAQ Stock Market, the American Stock Exchange, the International Securities Exchange, and the Chicago Climate Exchange.Who is the SEC?The U.S. Securities and Exchange Commission (SEC) is a large independent agency of the United States federal government that was created following the stock market crash in the 1920s to protect investors and the national banking system. Much like FINRA the SEC is a regulatory organization whose primary responsibilities are enforcing the federal securities laws, proposing securities rules, and regulating the securities industry. The SEC is the primary regulator for RMR’s advisory business.