R.A.I. Financial Services, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,372,197
Clients
99
0% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
99
HighAverage account size
$94,669
About
R.A.I. Financial Services is a small, fee-only advisory firm that provides comprehensive financial planning and ongoing investment management to individuals, retirement accounts, trusts, small businesses and similar client types. Services described in the brochure include cash-flow and tax planning, retirement and education planning, estate planning reviews, and discretionary portfolio management using mutual funds, ETFs and, when appropriate, individual securities.
The firm frames portfolios around asset-allocation principles informed by Modern Portfolio Theory and seeks global diversification, primarily implementing strategies through no-load or low‑load funds and exchange‑traded funds at discount custodians. Accounts are typically managed on a discretionary basis under a limited trading authorization, with periodic monitoring, semi‑annual rebalancing and reviews triggered by market or client changes.
Compared with many peers, the firm operates with a single advisor and relatively modest aggregate assets under management while serving a substantial number of individual clients, and the brochure emphasizes that it does not serve a high‑net‑worth client base. The firm also highlights its fiduciary, fee‑only stance (no commissions), offers multiple engagement models (ongoing management, retainer, hourly or standalone planning), and discloses non‑investment business activities and proxy‑voting practices in its disclosure materials.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
General tax planning
College savings (529s, UTMA, etc.)
Fee options
Financial planning starting at $2,500 (negotiable); Retainer Agreement fee $1,000 (negotiable); Investment Management Agreement fee $1,250 (negotiable); $50 semi-annual account maintenance fee; $100 quarterly fee for 529 Plan
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $10,000,000: 0.90% $10,000,001+: Negotiable
$75 per hour for planning engagements and follow-on implementation work
Account minimum: $100,000 Minimum fee: $1,250 minimum annual fee for Advisory Service Agreement; $2,500 minimum fee for financial plan (negotiable) Fee-only: Fee-only financial planning and investment management; no commissions accepted.
Main office location
R.A.I. Financial Services, Inc.
210 Broadway, Suite 103
Lynnfield MA 01940, United States
Number of offices
1
Most active in
R.A.I. Financial Services, Inc. has reported serving >5 clients in these states in the last 12 months.
Massachusetts
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")