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.

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.

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. 

Women & Money: The Gap Between Influence and Confidence

Women’s role in the economy is significant and growing. Yet despite women’s increasing influence, the majority of women remain uncomfortable making decisions – or even having conversations – about financial planning and investing. At RMB, we are committed to closing this gap by facilitating communication about financial matters among all members of the families we serve. 

How to Avoid Investing’s Emotional Pitfalls

In pursuit of long-term investment goals, one of the biggest obstacles investors face is managing their own emotions during the ups and downs of the market. In this short video, Sarah Tims, partner and senior wealth advisor, explains how to avoid falling prey to our emotions so that we don’t zig precisely when we should zag.

How to Evaluate a Wealth Manager

“Wealth management” doesn’t mean the same thing to everyone. The category encompasses diverse business models and a wide range of service offerings, styles, and merits. Given this disparity, how do you establish a basis for comparison? This article lists important questions to ask all potential advisors, to help you better ascertain the value they might be able to provide you and your family.

Planning For Your Golden Years

Just as we proactively plan for living in our younger years—such as by building a business or saving for retirement—we can proactively plan for living at an advanced age. Preparing for a time when you may have an increased need for care is a critical financial planning issue for you and your family. This article highlights some tips that can help you get the most out of your golden years and avoid the potential risks of procrastination. 

Reverse Mortgages: A Lifeline of Last Resort

Reverse mortgages were created to allow older homeowners the means to stay in their home in times of financial hardship, but they often come at a substantial cost. In this article, Wealth Advisor Trevor Isham, CFP® examines the key attributes of reverse mortgages, as well as their potential intermediate- and long-term effects on your financial wellbeing. For many, the downside of a reverse mortgage far outweighs the upside.

Beware of Investing’s Emotional Pitfalls

Many people spend a great deal of time and effort putting together a financial plan to fund all aspects of their lives, including buying a home, having children and putting them through college, insuring against unexpected events, and maintaining a comfortable lifestyle in retirement. To achieve these quantifiable goals, the plan must include a calculated investment strategy that can provide at least the minimum required rate of return.

The Sandwich Generation

Middle-aged individuals who are caring for aging parents, supporting children, and saving for retirement are a growing population named “the sandwich generation”. Demographic trends, such as longer life expectancies and more adult children returning home after college or between jobs, have contributed to the expansion of this group. 

What To Consider When Choosing A Trustee

Trusts are a powerful estate planning tool that can help control assets and build a legacy through the use of a legal structure. In the creation of any type of trust, choosing a trustee and successor trustee(s) is a critical, and potentially difficult, part of the process.