RFM Financial Solutions, LLC

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Client assets under management

$246,503,092

Clients

544

13% high-net-worth

Advisors

of 6 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

181

Very High

Average account size

$453,131

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

Financial planning Portfolio management Pension consulting Consulting services

Expertise

General retirement planning Wealth management Tax strategies for small businesses

Fee options

Percentage

$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%

Project-based

Financial Planning and Consulting Services charged hourly at $95 to $250 per hour

Other

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 location

RFM Financial Solutions, LLC

805 N. Brown St.

Mt. Pleasant MI 48858, United States

Number of offices

Most active in

Michigan

Disclosures

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:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 989.772.1209

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.

General retirement planning Wealth management Tax strategies for small businesses

Justin C

CFP®

Mt. Pleasant, MI

RFM Financial Solutions, LLC

Justin Cook is a CFP® professional with six years at RFM Financial Solutions, LLC and an additional six years of experience at Ross Accounting, totaling 12 years in the financial industry. He is based in Mt. Pleasant, MI. RFM Financial Solutions serves a diverse client base including individual investors, pension and retirement plan sponsors, corporations, and charitable organizations. The firm focuses on personalized investment policies primarily implemented through no-load mutual funds and ETFs, with regular account reviews and client-imposed investment restrictions.

General retirement planning Wealth management Tax strategies for small businesses

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.

General retirement planning Wealth management Tax strategies for small businesses

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