RM Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$233,701,212
Clients
390
Advisors
3
across 2 offices
About
RM Financial Services provides discretionary investment management, financial planning, and retirement/pension consulting to individuals (including high‑net‑worth clients), trusts, estates, charities, pension plans and businesses. As of December 31, 2025, the firm reported managing approximately $236.7 million on a discretionary basis and an additional $8.66 million on a non‑discretionary basis.
The firm builds customized, primarily long‑term portfolios using mutual funds, ETFs (including bond and leveraged ETFs), individual stocks, bonds and alternative investments, applying both fundamental and technical analysis and an internal due‑diligence process. RMFS notes it will select mutual fund share classes to address custodial, tax or trading constraints (sometimes choosing share classes with higher internal expense ratios to avoid trading costs) and may use short‑term trades, cash positions or reallocation to meet client objectives.
RMFS offers pension consulting and plan‑level services to employee benefit plans and their participants, including Plan investment policy development and participant education, and may serve state or municipal plan sponsors — a client type the firm identifies that is less common among peers. The firm is affiliated with Bookkeeping Plus, Inc. for accounting/bookkeeping services, and several supervised persons also operate as registered representatives of Purshe Kaplan Sterling Investments and as licensed insurance professionals, arrangements the brochure discloses as expanding services while creating potential conflicts of interest.
Client services
Expertise
Fee options
Financial planning fixed fees negotiated based on expected hours
$0 - $250,000: 1.25% $250,001 - $500,000: 1.00% $500,001 - $1,000,000: 0.90% $1,000,001 - $4,000,000: 0.75% $4,000,001+: 0.50%
Certain advisory persons earn commissions separately as registered representatives and insurance agents
Financial planning services billed at $250/hour
Account minimum: $250,000 Fee-only: Financial planning fees: $250/hour or fixed fees negotiated based on expected hours
Main office
See office362 Us Route One
Falmouth ME 04105
Advisors at this office
2
Offices (2)
Most active in
Florida · Maine · Massachusetts · New Hampshire · North Carolina · Virginia
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
Aaron R
Series 63, Series 66
Falmouth, ME
RM Financial Services, LLC
Aaron Rugh is a financial advisor at RM Financial Services, LLC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at RM Financial Services since 2006, including prior roles at PKS Investments and Next Financial Group, Inc. He serves as a board member of the Down East Yacht Club, a nonprofit organization. RM Financial Services provides discretionary investment management, financial planning, and retirement consulting to individuals, trusts, charities, pension plans, and businesses. The firm manages customized portfolios using mutual funds, ETFs, individual securities, and alternative investments, and offers pension consulting services including plan-level support and participant education.
Mark M
Series 63, Series 65
Delray Beach, FL
RM Financial Services, LLC
Mark Macleod is a financial advisor at RM Financial Services, LLC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RM Financial Services since 2007, alongside roles at Next Financial Group Inc. and Purshe Kaplan Sterling Investments. Outside of financial advising, he is the owner and CPA of Bookkeeping Plus Inc., an accounting and tax preparation business. RM Financial Services, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charities, businesses, and pension plans. The firm focuses on fiduciary, long-term investment strategies combining fundamental and technical analysis, and offers unique pension consulting and ERISA-related services.
Cayla M
Series 66
Falmouth, ME
RM Financial Services, LLC
Cayla Moore is a financial advisor at RM Financial Services, LLC with five years of industry experience. She holds the Series 66 designation and has worked at Purshe Kaplan Sterling Investments and NEXT Financial Group, Inc. In addition to her advisory role, she serves as treasurer for Stone Bar, Inc., a restaurant business. RM Financial Services, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charities, businesses, and pension plans. The firm offers discretionary portfolio management and retirement advice with a fiduciary approach, combining fundamental and technical analysis in a primarily long-term investment process.
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