R.A.I. Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
R.A.I. Financial Services is a small, fee-only advisory firm that provides comprehensive financial planning and ongoing investment management to individuals, retirement accounts, trusts, small businesses and similar client types. Services described in the brochure include cash-flow and tax planning, retirement and education planning, estate planning reviews, and discretionary portfolio management using mutual funds, ETFs and, when appropriate, individual securities.
The firm frames portfolios around asset-allocation principles informed by Modern Portfolio Theory and seeks global diversification, primarily implementing strategies through no-load or low‑load funds and exchange‑traded funds at discount custodians. Accounts are typically managed on a discretionary basis under a limited trading authorization, with periodic monitoring, semi‑annual rebalancing and reviews triggered by market or client changes.
Compared with many peers, the firm operates with a single advisor and relatively modest aggregate assets under management while serving a substantial number of individual clients, and the brochure emphasizes that it does not serve a high‑net‑worth client base. The firm also highlights its fiduciary, fee‑only stance (no commissions), offers multiple engagement models (ongoing management, retainer, hourly or standalone planning), and discloses non‑investment business activities and proxy‑voting practices in its disclosure materials.
Client services
Expertise
Fee options
Financial planning starting at $2,500 (negotiable); Retainer Agreement fee $1,000 (negotiable); Investment Management Agreement fee $1,250 (negotiable); $50 semi-annual account maintenance fee; $100 quarterly fee for 529 Plan
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $10,000,000: 0.90% $10,000,001+: Negotiable
$75 per hour for planning engagements and follow-on implementation work
Account minimum: $100,000 Minimum fee: $1,250 minimum annual fee for Advisory Service Agreement; $2,500 minimum fee for financial plan (negotiable) Fee-only: Fee-only financial planning and investment management; no commissions accepted.
Main office
210 Broadway, Suite 103
Lynnfield MA 01940-2351
Advisors at this office
1
Most active in
Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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