RFM Financial Solutions, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$246,503,092
Clients
544
Advisors
3
across 2 offices
About
RFM Financial Solutions serves individual investors (including high-net-worth clients), pension and retirement plan sponsors, corporations, and charitable organizations with portfolio management, pension consulting, financial planning, and more limited consulting engagements. Its investment management focuses on constructing client-specific investment policies and primarily implementing those policies using no-load mutual funds and ETFs, with services available on both discretionary and non-discretionary bases.
The firm develops client goals and risk profiles through personal discussions and applies fundamental analysis and mutual fund/ETF evaluation in building long-term portfolios; it typically transitions existing individual stock holdings into fund-based allocations over time. Client accounts are reviewed at least quarterly and clients may impose investment restrictions while retaining ownership and control over proxies and other corporate actions.
RFM Financial Solutions is wholly owned by an affiliated public accounting firm, an arrangement that the brochure identifies as a source of reciprocal referrals between the accounting and advisory practices while stating there are no referral-fee arrangements and no obligation for clients to use both firms. A senior adviser at the advisory firm is also a partner in the accounting firm and spends a substantial portion of their time on accounting activities, and the firm provides ERISA-focused educational support for self-directed retirement plan participants—features that distinguish its business model from many peers.
Client services
Expertise
Fee options
$50,000 - $500,000: 1.00% $500,001 - $1,000,000: 0.80% $1,000,001 - $2,500,000: 0.65% $2,500,001+: 0.50%
Financial Planning and Consulting Services charged hourly at $95 to $250 per hour
Account minimum: $50,000 Minimum fee: Minimum annual fee of $1,000 for Portfolio Management Services Fee-only: Financial Planning and Consulting Services charged hourly at $95 to $250 per hour
Main office
See office805 N. Brown St.
Mt. Pleasant MI 48858
Advisors at this office
2
Offices (2)
Most active in
Michigan · Texas
Also doing business as
Rfm Financial Solutions, LLC · Robert F. Murray & Co. Cpas Pc
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Advisors at this firm
Michael H
CFP®
Mt. Pleasant, MI
RFM Financial Solutions, LLC
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 C
CFP®
Mt. Pleasant, MI
RFM Financial Solutions, LLC
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 B
ChFC®
Midland, MI
RFM Financial Solutions, LLC
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.
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