# RFM Financial Solutions, LLC

> 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.

- CRD: 124468
- Filed as: RFM FINANCIAL SOLUTIONS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Mt. Pleasant, MI
- Filing period: October 2026
- Form ADV filing dated: August 6, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/124468
- AdvisorCensus page: https://advisorcensus.com/firm/rfm-financial-solutions-llc-mt-pleasant-mi-124468

## Quick answers

**How is RFM Financial Solutions, LLC compensated?**
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).

**How much does RFM Financial Solutions, LLC charge?**
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.

**Where is RFM Financial Solutions, LLC located?**
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).

**Is RFM Financial Solutions, LLC registered with the SEC or a state?**
RFM Financial Solutions, LLC is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 124468.

**How much does RFM Financial Solutions, LLC manage?**
RFM Financial Solutions, LLC reports $260,133,683 in regulatory assets under management in its Form ADV filing dated August 6, 2026 (76% discretionary).

**How have RFM Financial Solutions, LLC's assets and staff changed since 2021?**
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.

**What types of clients does RFM Financial Solutions, LLC serve?**
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).

**Which custodians does RFM Financial Solutions, LLC use?**
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.

**Does RFM Financial Solutions, LLC report any disciplinary disclosures?**
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

**What changed in RFM Financial Solutions, LLC's recent Form ADV filings?**
In the September 2026 filing data: Registered or notice-filed in TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated December 22, 2025)

- Hourly rate: $95 to $250 an hour (Financial Planning)

> 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.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $260,133,683
- Discretionary: $196,617,596
- Non-discretionary: $63,516,087

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 472 | $41,699,403 |
| High net worth individuals | 72 | $204,803,689 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $2 |
| Charitable organizations | Fewer than 5 | $122,003 |
| Corporations or other businesses not listed above | 26 | $13,508,586 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Other

### Firm details
- Registered since: 2019 (7 years)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- Midland, MI

### Websites listed on Form ADV (Item 1.I)
- rfmfinancialsolutions.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $136,909,086 | 6 | December 23, 2020 |
| October 2022 | $177,188,282 | 6 | December 23, 2021 |
| October 2023 | $139,358,773 | 6 | December 16, 2022 |
| October 2024 | $138,704,391 | 6 | December 22, 2023 |
| October 2025 | $227,576,976 | 6 | December 5, 2024 |
| October 2026 | $260,133,683 | 6 | August 6, 2026 |

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.

## Changes in the filing (last 12 months)

### September 2026
- Registered or notice-filed in TX.

### January 2026
- Regulatory assets under management went from $227,576,976 to $260,133,683 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. RFM Financial Solutions, LLC (CRD 124468): Form ADV filing data as of October 2026.