Personal Finances Logins | Corporate Solutions Logins | Advisor LoginsBook a Consultation Home > FAQ FAQ How Long Have You Been in Business?RMR Wealth Builders, Inc. was established in 1986, when a group of advisors decided to leave their current firm that had a sales focused culture in favor of their own practice. RMR was established as an independent practice that focused on delivering the right solutions for a clients needs.How Do I Become a Client?Simply call our offices to set up an appointment with one of our advisors. After an initial meeting, you will have a good idea of how we can help you. If you are not sure whom to meet with, please call our home office at 201.836.2460 and we can guide you to an advisor who will fit your needs.Is There Any Cost for an Initial meeting?No, there is no fee for an initial meeting. It will be a chance for you to meet an advisor, ask questions, and share information about your financial goals and expectations. At that point, you will decide how to proceed further.Can I View My Account Online?Yes, you may view your account online by visiting our “Client Login” page or discussing with your advisor our available reporting options.What Does SIPC Mean?The mission of the Securities Investor Protection Corporation is to restore funds to investors with assets in accounts at bankrupt or financially troubled brokerage firms. When a brokerage firm is closed due to bankruptcy or other financial difficulties, and customer assets are missing, SIPC steps in quickly and works to return customers’ cash, stock and other securities. Without SIPC, investors at financially troubled brokerage firms might lose their investments forever or wait years while their assets are tied up in court. Established by Congress in 1970, SIPC estimates that 99% of persons who are eligible have been made whole in the failed brokerage firm cases that it has handled. Our broker-dealer firm, Calton & Associates, Inc, is a member of SIPC. www.SIPC.orgWhat 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.org FINRA’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 Calton & Associates?Calton & Associates. Inc. is a full service securities broker/dealer firm and registered investment adviser based in Tampa, Florida. Founded in 1987, the privately held, employee owned corporation is registered in all fifty states, Puerto Rico and Virgin Islands. Calton has nearly 90 branch offices throughout the United States. Calton is an introducing broker/dealer and client brokerage relationships with a representative of RMR Wealth Builders, Inc. are held in custody through National Financial Services, LLC, a Fidelity company.Who Is National Financial Services, LLC?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 account statements and trade confirmations which will bear the Calton and/or NFS name.How Are My Accounts Protected?Asset Protection Securities in accounts carried by National Financial Services LLC (“NFS”), a Fidelity Investments company, are protected in accordance with the Securities Investor Protection Corporation (“SIPC”) up to $500,000. The $500,000 total amount of SIPC protection is inclusive of up to $250,000 protection for claims for cash, subject to periodic adjustments for inflation in accordance with terms of the SIPC statute and approval by SIPC’s Board of Directors. NFS also has arranged for coverage above these limits. Neither coverage protects against a decline in the market value of securities, nor does either coverage extend to certain securities that are considered ineligible for coverage. For more details on SIPC, or to request an SIPC brochure, visit www.sipc.org or call 202.371.8300. “Excess of SIPC” Coverage In addition to SIPC protection, NFS provides for brokerage accounts additional “excess of SIPC” coverage from Lloyd’s of London together with other insurers. The “excess of SIPC” coverage would only be used when SIPC coverage is exhausted. Like SIPC protection, “excess of SIPC” protection does not cover investment losses in customer accounts due to market fluctuation. It also does not cover other claims for losses incurred while broker-dealers remain in business. Total aggregate “excess of SIPC” coverage available through NFS’s “excess of SIPC” policy is $1 billion. Within NFS’s “excess of SIPC” coverage, there is no per account dollar limit on coverage of securities, but there is a per account limit of $1.9 million on coverage of cash. This is the maximum “excess of SIPC” protection currently available in the brokerage industry. Lloyd’s of London currently has an A (Excellent) rating with “Stable Outlook” from ratings firm A.M. Best and an A+ (Strong) rating with “Stable Outlook" from Fitch Ratings and “Positive Outlook” from Standard & Poor’s.