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We offer our clients an array of investment products, including:

portfolio management icon

Portfolio Management

insurance

Insurance & Annuities

Structured Products

alternative

Alternative Investments

futures

Managed Futures

Portfolio Management

RMR Wealth Management provides a range of portfolio management solutions engineered to meet each client’s individual needs and objectives. Our investment approach provides a disciplined process that identifies the client’s unique investment goals, and establishes a personalized investment plan to meet them. Every relationship is started with a comprehensive portfolio analysis.

Portfolio Management Services

We work with our clients to build a well-diversified portfolio that is consistent with their risk tolerance profile. Using custom tailored asset allocation strategies designed to meet the goals and objectives of our clients, we continuously monitor the portfolios to ensure they remain properly balanced. Changing market conditions can cause the allocation of assets to move outside the targets set for a portfolio. When this happens, we re-balance the portfolios bringing allocations back into the desired range.

We construct each portfolio in a customized manner and diversify across a variety of asset classes globally. Correlation between different segments of the portfolio is minimized in order to maximize the portfolio’s risk-adjusted return. Our portfolio management includes both passive, market tracking components and active components which seek to add additional alpha. We conduct rigorous research in selecting each of these components. Because we are fully independent, our approach is unbiased and we are able to focus on portfolio performance. The asset classes and strategies we utilize include domestic and international equities, global fixed income, master limited partnerships, real estate investment trusts, structured products, alternative investments, managed futures, fixed and variable annuities, and cash value life insurance.

Insurance & Annuities

We have established relationships with a variety of Insurance and Annuity companies. These relationships help us to find the best product to meet the individual needs of our clients.

Insurance

Life Insurance

Term Life Insurance

  • Purchased to cover a temporary need for a specific amount of time
  • You pay an annual premium for a number of years for which you receive a predetermined amount of life insurance protection should you need it
  • Term Life Insurance policies do not build cash value over time

Permanent Life Insurance

  • These policies are purchased for long-term protection
  • As long as the premiums are continuously paid on time and the policy remains in force, the stated death benefit will be paid
  • There are different types of policies. They include: Whole Life, Universal Life and Variable Universal Life
  • Permanent Life insurance policies may build cash value over time

Long-term Care Insurance
This insurance helps provide for the cost of long term care beyond a specific period of time that is generally not covered by your health insurance, Medicare, or Medicaid. Helps protect the wealth you worked hard to accumulate and gives you more control over how and where you receive care should you need it.

Disability Income Insurance
If you are unable to continue working due to an injury or illness disability income insurance can provide you with the necessary income to help your family maintain the lifestyle you are accustomed to.

Health Insurance
Our relationships with multiple health insurance providers allow us to find our clients the coverage that meets their specific needs whether they’re for an individual or group of people.

Annuities

Variable Annuities
Variable annuities allow individuals to invest in a variety of investment options that have the potential for growth in the market. Some variable annuities have optional benefits that can help investors grow and protect their income such as:

  • Ability to take immediate withdrawals
  • Income for life
  • Larger withdrawals if the market performs well or withdrawals aren’t taken immediately

Fixed Annuities
Fixed annuities offer choices with fixed returns. This type of annuity is usually suited for someone looking for safety and predictability with lifetime income.

Income Annuities
Income annuities allow individuals to guarantee a lifetime income stream either immediately or for later on in life.

Structured Products

Structured products are market-linked investments that generally represent a pre-packaged investment strategy based on a single security, a basket of securities, options, indices, commodities, and/or foreign currencies. Much like a certificate of deposit, some structured products offer a principal guarantee if the investment is held to maturity. However, other structured products are directly correlated to the performance of an underlying security and do not offer a principal guarantee feature.
Structured Products are for investors that are seeking to:

  • Maintain exposure to certain markets while shielding their principal (principal protected structured products)
  • Increase possible returns on low yielding accounts
  • Rebalance equity allocations within their portfolios
  • Control risk by investing in products that provide tailored exposure to diverse asset classes

Alternative investments

Alternative Investments provide qualified investors with exposure to markets and investment strategies that cannot be accessed through traditional fixed income and equity markets. These investments usually provide attractive risk-adjusted returns as well as an additional option to further diversify your overall investment portfolio. At RMR Wealth Management, we provide our high-net-worth and institutional clients access to a number of equity and fixed income alternative investments.

Investing in Alternative Investments is speculative and only suitable for sophisticated high-net-worth individuals and institutions.

futures

Managed Futures

A Managed Futures Account (MFA) is a form of alternative investment, similar to a mutual fund, that takes long and short positions in futures contracts, government securities, and options on futures contracts.

Managed futures are operated by licensed Commodity Trading Advisors, or CTAs, who are regulated in the United States by the Commodity Futures Trading Commission and the National Futures Association, or NFA.

Managed futures accounts include, but are not limited to, commodity pools and commodity funds.

MFAs are generally managed on the basis of technical analysis, and involve going long or short in futures contracts in areas such as metals, grains, equity indexes and commodities of all kinds. Currency futures are also commonly traded.

One strategy, known as an overlay, is to add a portfolio of managed futures to an existing portfolio to introduce new exposure.