RLS Financial Services

RLS Financial provides financial planning and portfolio management to individual and high‑net‑worth clients, delivering one‑time financial plans and ongoing investment advice. The firm’s investment recommendations are generally limited to mutual funds, fixed‑income securities, insurance products (including annuities), equities, ETFs and non‑U.S. securities, and it also sponsors and manages a wrap‑fee program for clients.

The firm’s investment process emphasizes fundamental analysis and employs both long‑term and short‑term trading strategies, while portfolio management is provided on a primarily non‑discretionary basis; the brochure reports roughly $22.4 million in non‑discretionary assets and no discretionary AUM. Financial planning engagements are typically delivered as a single plan developed on an hourly basis, and the firm uses Charles Schwab Advisor Services for custody and trade execution.

Notable features that distinguish the firm from many peers include an affiliation with accounting services and the principal’s status as a licensed insurance agent, meaning clients may be offered accounting work or commissionable insurance products in addition to advisory services—these outside activities and potential conflicts are disclosed. It is also uncommon for a solo independent adviser to sponsor a wrap‑fee program while operating largely with non‑discretionary assets and maintaining standing letters of authorization, and the brochure describes the firm’s disclosures and safeguards related to those arrangements.