Delray Beach, FL Office

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.