Carter Ruml, J.D., Cfp®, Cap® Email and Phone Number
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My professional focus for over 20 years has been the trust, estate, financial, and charitable planning issues facing private clients and closely held business owners. I help families plan the tax and non-tax aspects of their probate and non-probate estates, often incorporating many strategies to reduce estate, inheritance, and income taxes. My estate administration work often involves estates that are complex or contentious, whether because of family relationships, creditor claims, business liquidity needs, or otherwise. I also help private clients with other needs, including business succession planning, risk management, strategic financial planning, and tax and non-tax aspects of charitable planning.I work with clients across varying levels of wealth – sometimes emerging, but usually established, or generational. A common denominator for all engagements is an appreciation for careful listening, creative thinking, and customized approaches. It’s a privilege to help clients and other members of their advisory teams look far ahead, plan for unanticipated events and opportunities, and reach the very best outcomes possible.
Yellow Cardinal Advisory Group
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Director, Wealth StrategyYellow Cardinal Advisory Group Apr 2024 - PresentCincinnati Metropolitan AreaLead the Wealth Strategy function for a Cincinnati-headquartered publicly traded bank (FFBC) with $18 billion in assets, $2.8 billion in market cap, and 110 branches in four states, focusing on the bank’s wealthiest clients and largest commercial lending relationships.Specialist wealth strategy work on unique situations for ultra high net worth clients of Yellow Cardinal and FFBC, including wealth transfer tax planning, inherited wealth, blended families, and philanthropy.Fiduciary counsel work in support of First Financial Bank's administration of its trust book of business.Tasked with concept development, strategy, coordination, and implementation relating to how the bank goes to market with its charitable/philanthropic offerings.Ongoing thought leadership, and contributions as media representative for Yellow Cardinal/FFBC.
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Senior Estate And Financial PlannerYellow Cardinal Advisory Group Aug 2023 - Apr 2024Cincinnati Metropolitan AreaThought leadership and estate and financial planning advisory work with Yellow Cardinal's ultra high net worth clients.Media representative for First Financial Bank, including print and television appearances.Panelist, Business Succession Planning.
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Adjunct ProfessorUniversity Of Cincinnati College Of Law Nov 2024 - PresentCincinnati, Ohio, United StatesCo-Instructor with Mark Noel for Estate Planning (PROP-7008), starting with Spring semester, 2025.This course explores the fundamental principles of estate planning, trust, and probate law, including the disposition of probate vs. non-probate property, estate, gift, and generation-skipping transfer tax fundamentals, and planning for the transfer and protection of wealth. The tax planning focus will include the study of various estate planning techniques, charitable planning, and other tax savings strategies. The non-tax planning covered will include the lawyer’s role and ethical duties, drafting wills and trusts for non-tax reasons, powers of attorney, and estate planning documents relating to health care matters and end of life decisions. -
Equity Partner, Practice Group LeaderBricker Graydon Oct 2021 - Aug 2023Cincinnati / LouisvilleMerged Rumls PLC into Graydon Head & Ritchey LLP (Cincinnati’s oldest general practice law firm, started as a trusts and estates practice) in October 2021, while continuing a robust Louisville presence for a portable book. Appointed as leader of Graydon’s eight-lawyer T&E practice.In April 2023, Graydon was acquired in a combination with Columbus-headquartered Bricker & Eckler LLP, then a firm without a significant trusts and estates practice. After recruitment by Yellow Cardinal / First Financial, I arranged the shift of the Kentucky-focused client relationships and a key colleague to Stites, where the practice continues strongly. -
Founder / Partner (Rumls Plc)Bricker Graydon Sep 2015 - Oct 2021Louisville Metropolitan AreaFounded, led, and grew Rumls PLC, a Louisville-based trusts and estates boutique firm that represented clients with aggregate wealth exceeding $3.4 billion. The firm expanded to 5 FTEs and over $1.2 million in annual revenue, while maintaining strong connectivity and cross-referral relationships with Stites.
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Attorney / Member (Partner)Stites & Harbison, Pllc Jan 2014 - Sep 2015Louisville Metropolitan AreaRecruited to lead Stites’ Louisville trusts and estates practice. Grew the practice substantially and spun it out to create a thriving boutique firm, Rumls PLC. -
Vice President - Senior Wealth PlannerPnc Dec 2010 - Dec 2013Louisville Metropolitan AreaAfter associate training in Wyatt’s trusts and estates practice, did an in-house rotation at PNC, then Louisville’s leading trust company by market share and significance of legacy fiduciary business.Advised clients on tax, financial, and estate planning matters.Member of PNC's National Planning Group for Business Owners. Media representative for PNC, including commentary for New York Times and television.Recognized as “Market All-Star” for 2012. Helped with PNC’s growth efforts in Nashville and Charlotte. -
Senior AssociateWyatt, Tarrant & Combs, Llp Oct 2008 - Dec 2010Louisville Metropolitan AreaIntegral part of Louisville’s largest trusts and estates practice group led by six ACTEC Fellows. These attorneys remain friends and respected colleagues, and later provided strong support for my nomination as an ACTEC Fellow. -
AssociateWyatt, Tarrant And Combs, Llp Aug 2004 - Oct 2008Louisville Metropolitan AreaTwo years’ experience in general corporate representation, securities offerings, venture financings, health care regulation and transactions, and private company mergers and acquisitions.Then, increasing specialization in estate planning / private client work for closely held business owners, wealthy families and individuals, and fiduciaries.
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Summer Associate (2002, 2003)Wyatt, Tarrant And Combs, Llp Jun 2002 - Jul 2004Louisville Metropolitan Area
Carter Ruml, J.D., Cfp®, Cap® Skills
Carter Ruml, J.D., Cfp®, Cap® Education Details
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Philanthropic Studies (Degree Candidate) -
Public Affairs; Geosciences
Frequently Asked Questions about Carter Ruml, J.D., Cfp®, Cap®
What company does Carter Ruml, J.D., Cfp®, Cap® work for?
Carter Ruml, J.D., Cfp®, Cap® works for Yellow Cardinal Advisory Group
What is Carter Ruml, J.D., Cfp®, Cap®'s role at the current company?
Carter Ruml, J.D., Cfp®, Cap®'s current role is Planning with clients, to strengthen and sustain the people and causes they care about most.Director, Wealth Strategy at Yellow Cardinal Advisory Group..
What is Carter Ruml, J.D., Cfp®, Cap®'s email address?
Carter Ruml, J.D., Cfp®, Cap®'s email address is ca****@****tes.com
What is Carter Ruml, J.D., Cfp®, Cap®'s direct phone number?
Carter Ruml, J.D., Cfp®, Cap®'s direct phone number is +150236*****
What schools did Carter Ruml, J.D., Cfp®, Cap® attend?
Carter Ruml, J.D., Cfp®, Cap® attended Stanford University Law School, Indiana University Lilly Family School Of Philanthropy, Princeton University, Bancroft School, St. Mark's School Of Texas.
What skills is Carter Ruml, J.D., Cfp®, Cap® known for?
Carter Ruml, J.D., Cfp®, Cap® has skills like Finance, Estate Law, Estate Planning, Trusts, Investments, Estate Tax Planning, Corporate Law, Tax, Asset Managment, High Net Worth Individuals, Strategic Financial Planning, Succession Planning.
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