RMB Capital Management

Insights Library

Our Perspective

This collection of articles and commentaries from RMB provides examples of the in-depth research and analysis, industry knowledge, and fundamental principles underlying what we do for our clients. Explore the content available by scrolling or filtering topics.

Periodic Table of Investments

As the Periodic Table of Investments shows, one year’s best performing asset class can be the next year’s worst. We use this chart to remind our clients about the importance of diversification. Having a well-diversified allocation, as indicated by the white boxes below, allows our clients to participate in those asset classes that are doing well, while cushioning the impact of those that might not be.

In the Spirit of Giving

As a firm, serving those in need is part of who we are, so it’s no surprise that many of our employees are personal champions of a philanthropic organization. This article highlights just a few of the charitable causes that RMB supports as a result of our colleagues’ impassioned involvement.

Making Medicare Work for You

Most Americans know the basics of Medicare—that it is generally available to those 65 or older, regardless of income—but they don’t fully understand the extent to which it may cover their medical expenses. This article breaks down the components of Medicare, the cost structure for each, and provides considerations for how retirees can optimize their Medicare coverage.

Market Perspective and Investment Outlook

Following the volatility in early 2018, the month of October brought more market turbulence as investors grew anxious over rising bond yields, the speed of interest rate hikes coming from the Federal Reserve, and the ever-present international trade narrative. While we are encouraged by the persistent economic strength and earnings growth in the U.S., we anticipate that volatility will appear more regularly across global markets during 2019, as both the bull market and current economic expansion continue to age.

The Case for High Quality

Focusing on high-quality companies—defined as those that are well-managed with stable business models and extremely low credit risk—is a core component of our investment philosophy. This article explains why high-quality stocks tend to outperform low-quality stocks over the long term, and, importantly, why high-quality stocks are typically strongest when most needed—during a bear market.

A Snowbird’s-Eye View of State Income Tax Planning

Taxpayers with the ability to change residency from a state with a high income tax rate to a state with little or no income tax can take advantage of powerful tax savings. But the process of securing these tax savings is not always straightforward. This article offers some tips and tricks for snowbirds looking to make the most of the low state income tax rate of their new residency. 

Employee Profile: Margo Sweany

Margo Sweany, V.P. and wealth advisor working out of RMB’s Denver office, does not fit the stereotypical image that many people associate with financial advisors. In this interview, she talks about what it’s like to be a woman working in a male-dominated industry, how a millennial advisor can offer advantages to gen X and baby boomer clients, and how she almost went into music instead of finance.

A Review of the State and Local Tax Deduction

When the Tax Cuts and Jobs Act was signed into law last year, the amount that taxpayers could deduct for state and local tax (SALT) payments was drastically limited. This article details how the rules related to payments and deductions have changed, and it explores ways that some taxpayers may still be able to take advantage of them.

How to Select a 529 Plan

There are a wide variety of 529 plans out there, with many variations and important nuances—from different investment options to fee structures and administrative functions. In this article, we outline some of key factors to consider when choosing the plan that’s right for you.