{"id":802,"date":"2022-08-17T10:37:55","date_gmt":"2023-09-01T10:21:09","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/people\/bill-ringham\/"},"modified":"2024-07-24T12:38:59","modified_gmt":"2024-07-24T16:38:59","slug":"bill-ringham","status":"publish","type":"rbcwm_people","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/people\/bill-ringham","title":{"rendered":"Bill Ringham"},"content":{"rendered":"\t\t<div class=\"rbc-hero-wm rbc-overlap-zindex-1 rbc-hero-contain rbc-hero-overlap rbc-hero-has-image-bleed\">\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class=\"row no-gutters\">\n\t\t\t\t\t<div class=\"col-lg-7\">\n\t\t\t\t\t\t<div class=\"rbc-card rbc-hero-card rbc-hero\">\n\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t<div class=\"rbc-hero-body-content\">\n\t\t\t\t\t\t\t\t\t\t<h1 class=\"rbc-hero-title\">Bill Ringham<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/about\/experts\/\" class=\"rbc-hero-breadcrumb link-chev-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-icon mr-half\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-left\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\tExperts\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<hr class=\"rbc-hero-hr hr-mini bdr-accent\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"rbc-hero-subtitle\">Vice President &amp; Director\r\n<br>\r\nPrivate Wealth Strategies<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-hero-extra\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"mt-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-hero-img-wrap col-lg-5\">\n\t\t\t\t\t\t\t<div class=\"rbc-hero-img bleed-img-right rbc-hero-img-desktop-bottom-center rbc-hero-img-mobile-bottom-center\" style=\"background-image: url(https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2023\/04\/bill-ringham.png?w=510);\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-block-flush has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row justify-content-center\"><div class=\"col-lg-12\">\n<div class=\"row justify-content-between no-gutters blockId-4349f1fd-00fc-4e96-b6d8-cf3292bcc6b5\">\n<div class=\"wp-block-rbcwm-column col-lg-5 order-lg-1\"><\/div>\n\n\n\n<div class=\"wp-block-rbcwm-column col-lg-6\"><div class=\"wrap\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Bill Ringham is vice president and director of Private Wealth Strategies at RBC Wealth Management \u00ad\u2013 U.S. In the firm&#8217;s Central Division, he serves as a resource to financial advisors\u2014helping them understand client objectives, gather information and determine strategies for high-net-worth clients\u2019 complex financial and wealth transfer goals. He also manages the Wealth Strategies and Trust Consultant teams.<\/p>\n\n\n\n<p>With a focus on wealth transfer, Bill works with financial advisors to develop wealth management solutions for clients, including trust and estate, business succession, charitable and stock option planning. Working with clients\u2019 attorneys, accountants and other professionals, he implements strategies that meet clients\u2019 financial objectives. Bill frequently leads seminars and educational presentations for clients and groups on various wealth strategy topics. As part of RBC Wealth Management\u2019s Accredited Wealth Manager program, he moderates classes for financial advisors.<\/p>\n\n\n\n<p>Bill has more than 40 years of experience in the financial services industry. At Bremer Bank, a Midwest regional bank, he was in charge of wealth planning capabilities and services. After that, Bill went to Minnesota Life, where he served as an advanced marketing counsel, assisting agents and their clients with advanced planning concepts. Before joining RBC Wealth Management in 2000, he worked at Deloitte &amp; Touche LLP, where he focused on tax and planning for members of several family offices.<\/p>\n\n\n\n<p>He graduated from St. Olaf College in Northfield, Minnesota, with a Bachelor of Arts in economics. Bill also earned a J.D. from William Mitchell College of Law in St. Paul, Minnesota. In addition, he&#8217;s a Certified Public Accountant (inactive) and has passed the Series 7 and 66 securities exams.<\/p>\n\n\n\n<p>Trust services are provided by third parties. Neither RBC Wealth Management nor its financial advisors are able to serve as trustee. RBC Wealth Management does not provide tax or legal advice. All decisions regarding the tax or legal implications of your investments should be made in connection with your independent tax or legal advisor.<\/p>\n\n\n\n<p class=\"disclaimer\">Neither RBC Wealth Management, a division of RBC Capital Markets, LLC, nor its affiliates or employees provide legal, accounting or tax advice. All legal, accounting or tax decisions regarding your accounts and any transactions or investments entered into in relation to such accounts, should be made in consultation with your independent advisors. No information, including but not limited to written materials, provided by RBC WM or its affiliates or employees should be construed as legal, accounting or tax advice.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\t\t\t\t<section class=\"rbc-block rbc-block-image rbc-block-flush-top rbc-block-grey rbc-block-image-full rbc-block-image-mobile rbc-block-image-mobile-top rbc-block-image-has-title-box\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-block-image-img rbc-block-image-full-img\">\n\t\t\t\t\t\t\t<div class=\"rbc-block-image-parallax\" style=\"opacity: 1; background-image: url(https:\/\/www.rbcwealthmanagement.com\/en-us\/wp-content\/uploads\/sites\/7\/2025\/09\/grandparents-walking-along-beach-boardwalk-with-grandchildren-3210x2140-1.jpg); transform: translate3d(0px, -37px, 0px);\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"container rbc-block-image-container\">\n\t\t\t\t\t\t<div class=\"row justify-content-between h-100\">\n\t\t\t\t\t\t\t<header class=\"col-lg-6 align-self-start\">\n\t\t\t\t\t\t\t\t<h2 class=\"rbc-block-image-title rbc-block-image-title-boxy\">\n\t\t\t\t\t\t\t\t\tBill&#039;s insights\t\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/header>\n\t\t\t\t\t\t\t<div class=\"rbc-block-image-content col-12 rbc-block-image-content-center\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"row overlap-top-mobile justify-content-center justify-content-lg-start\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"col-lg-6\">\n\t\t\t\t\t\t\t\t\t\t\t<div id=\"rbc41\" class=\"rbc-media-card-col\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"rbc42\" class=\"rbc-card rbc-media-card rbc-card-hover rbc-media-card-stacked-vertical\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div draggable=\"false\" class=\"rbc-card-wrap\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"rbc-card-body\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"rbc-media-card-title rbc-media-card-title-wrap\"><span class=\"rbc-media-card-title-link\"><span>How will the One Big Beautiful Bill shape your legacy?<\/span><\/span><\/h4>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"category rbc-media-card-category\">Estate planning<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"rbc-media-card-text\"><p>The One Big Beautiful Bill Act removes uncertainty over tax brackets and estate tax. Families should take time to review estate plans to take full advantage.<\/p>\n<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\/how-will-the-one-big-beautiful-bill-shape-your-legacy\" class=\"rbc-media-card-footer-link align-self-end link-chev rbc-card-link-full\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"rbc-media-card-cta-link\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t6 minute read\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"rbc43\" class=\"rbc-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i id=\"rbc43Icon\" aria-hidden=\"true\" role=\"img\" class=\"rbc-icon-img fal fa-angle-right\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"sr-only\"> &#8211; 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href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/insights\" class=\"rbc-button rbc-button-medium rbc-button-primary-outline rbc-block-footer-button\">\n\t\t\t\t\t\t\t\t\t\t<span>Discover more insights<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/footer>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey  rbc-footer-footnotes rbc-block-small has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\"><div class=\"wrap\">\n<p class=\"is-style-caption\"><strong>Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Bill Ringham serves as a resource to financial advisors\u2014helping them understand client objectives, gather information and determine strategies for high-net-worth clients\u2019 complex financial and wealth transfer goals.<\/p>\n","protected":false},"author":68,"featured_media":803,"template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_people_type":[12],"rbcwm_channel":[],"class_list":["post-802","rbcwm_people","type-rbcwm_people","status-publish","has-post-thumbnail","hentry","rbcwm_people_type-expert"],"acf":{"rbwm_person_title":"Vice President & Director\r\n<br>\r\nPrivate Wealth 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