{
  "crd_number": 124468,
  "slug": "rfm-financial-solutions-llc-mt-pleasant-mi-124468",
  "primary_business_name": "RFM FINANCIAL SOLUTIONS, LLC",
  "legal_name": "RFM FINANCIAL SOLUTIONS, LLC",
  "dbas": [],
  "city": "Mt. Pleasant",
  "state": "MI",
  "country": "United States",
  "cbsa_code": "34380",
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2019-05-30",
  "years_registered": 7,
  "period": "2026-10-01",
  "filing_date": "2026-08-06",
  "carried_forward": false,
  "raum_total": 260133683.0,
  "raum_discretionary": 196617596.0,
  "raum_non_discretionary": 63516087.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 6,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 122003.0,
      "count": null,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 41699403.0,
      "count": 472
    },
    "pension_profit_sharing": {
      "raum": 2.0,
      "count": null,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 204803689.0,
      "count": 72
    },
    "corporations_other_businesses": {
      "raum": 13508586.0,
      "count": 26
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "MI",
    "TX"
  ],
  "websites": [
    "https://rfmfinancialsolutions.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/124468",
  "city_as_filed": "MT. PLEASANT",
  "url": "https://advisorcensus.com/firm/rfm-financial-solutions-llc-mt-pleasant-mi-124468",
  "display_name": "RFM Financial Solutions, LLC",
  "summary": "RFM Financial Solutions, LLC is an SEC-registered investment advisory firm in Mt. Pleasant, MI, registered since 2019, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 6, 2026.",
  "citation": "AdvisorCensus. RFM Financial Solutions, LLC (CRD 124468): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is RFM Financial Solutions, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), RFM Financial Solutions, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does RFM Financial Solutions, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated December 22, 2025 states: Hourly rate: $95 to $250 an hour (Financial Planning). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is RFM Financial Solutions, LLC located?",
      "a": "RFM Financial Solutions, LLC's principal office is in Mt. Pleasant, MI, according to its Form ADV; the September 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is RFM Financial Solutions, LLC registered with the SEC or a state?",
      "a": "RFM Financial Solutions, LLC is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 124468."
    },
    {
      "q": "How much does RFM Financial Solutions, LLC manage?",
      "a": "RFM Financial Solutions, LLC reports $260,133,683 in regulatory assets under management in its Form ADV filing dated August 6, 2026 (76% discretionary)."
    },
    {
      "q": "How have RFM Financial Solutions, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for RFM Financial Solutions, LLC: Regulatory assets under management: $136,909,086 in the October 2021 data and $260,133,683 in the October 2026 data, up 90%. Total employees: 6 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does RFM Financial Solutions, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (472); high net worth individuals (72); corporations or other businesses not listed above (26)."
    },
    {
      "q": "Which custodians does RFM Financial Solutions, LLC use?",
      "a": "RFM Financial Solutions, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does RFM Financial Solutions, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/124468"
    },
    {
      "q": "What changed in RFM Financial Solutions, LLC's recent Form ADV filings?",
      "a": "In the September 2026 filing data: Registered or notice-filed in TX."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 136909086.0,
      "total_employees": 6,
      "filing_date": "2020-12-23"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 177188282.0,
      "total_employees": 6,
      "filing_date": "2021-12-23"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 139358773.0,
      "total_employees": 6,
      "filing_date": "2022-12-16"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 138704391.0,
      "total_employees": 6,
      "filing_date": "2023-12-22"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 227576976.0,
      "total_employees": 6,
      "filing_date": "2024-12-05"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 260133683.0,
      "total_employees": 6,
      "filing_date": "2026-08-06"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-09-01",
      "period_label": "September 2026",
      "notes": [
        "Registered or notice-filed in TX."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "Regulatory assets under management went from $227,576,976 to $260,133,683 (+14%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated December 22, 2025",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $95 to $250 an hour (Financial Planning)"
    ],
    "figures": [
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $95 to $250 an hour (Financial Planning)"
        ],
        "quotes": [
          "Our Financial Planning fees are calculated and charged on an hourly basis, ranging from $95 to $250 per hour depending on the professional(s) providing this service."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": null,
          "min": 95.0,
          "max": 250.0,
          "period": "hour",
          "service": "Financial Planning"
        }
      ]
    },
    "quotes": [
      "Our Financial Planning fees are calculated and charged on an hourly basis, ranging from $95 to $250 per hour depending on the professional(s) providing this service."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/rfm-financial-solutions-llc-mt-pleasant-mi-124468.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 472,
      "fewer_than_5": false,
      "raum": 41699403.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 72,
      "fewer_than_5": false,
      "raum": 204803689.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": null,
      "fewer_than_5": true,
      "raum": 2.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": null,
      "fewer_than_5": true,
      "raum": 122003.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 26,
      "fewer_than_5": false,
      "raum": 13508586.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/124468",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}