RFM Financial Solutions, LLC

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.