Michael Harter is a CFP® professional with 15 years of experience, currently serving at RFM Financial Solutions, LLC since 1999. He also has a long tenure at Robert F. Murray & Company, CPAs, where he has worked since 1991. RFM Financial Solutions provides portfolio management, pension consulting, and financial planning services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm emphasizes client-specific investment policies, primarily using no-load mutual funds and ETFs, and offers both discretionary and non-discretionary management options.

Justin Cook is a CFP® professional with five years of industry experience, currently serving as an advisor at RFM Financial Solutions, LLC since 2020. Prior to this, he spent six years at Ross Accounting. RFM Financial Solutions provides portfolio management, pension consulting, and financial planning services to individual investors, including high-net-worth clients, as well as pension plan sponsors, corporations, and charitable organizations. The firm emphasizes client-specific investment policies implemented primarily through no-load mutual funds and ETFs, with regular account reviews and options for discretionary or non-discretionary management.

Sara Brubaker is a ChFC® at RFM Financial Solutions, LLC with eight years at the firm and a total of two years in the financial services industry. Prior to her advisory role, she worked for 14 years in wholesale mattress sales and briefly in homemaking. RFM Financial Solutions serves individual investors, pension and retirement plan sponsors, corporations, and charitable organizations by providing portfolio management, pension consulting, and financial planning. The firm focuses on client-specific investment policies implemented primarily through no-load mutual funds and ETFs, with regular account reviews and client-directed investment restrictions.