# RM Financial Services, LLC

> RM Financial Services, LLC is an SEC-registered investment advisory firm in Falmouth, ME, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 304297
- Filed as: RM FINANCIAL SERVICES, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Falmouth, ME
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/304297
- AdvisorCensus page: https://advisorcensus.com/firm/rm-financial-services-llc-falmouth-me-304297

## Quick answers

**How is RM Financial Services, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), RM Financial Services, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is RM Financial Services, LLC located?**
RM Financial Services, LLC's principal office is in Falmouth, ME, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is RM Financial Services, LLC registered with the SEC or a state?**
RM Financial Services, LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 304297.

**How much does RM Financial Services, LLC manage?**
RM Financial Services, LLC reports $245,391,882 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (96% discretionary).

**How have RM Financial Services, LLC's assets and staff changed since 2021?**
In the Form ADV data for RM Financial Services, LLC: Regulatory assets under management: $125,535,000 in the October 2021 data and $245,391,882 in the October 2026 data, up 95%. Total employees: 4 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does RM Financial Services, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (271); high net worth individuals (119); pension and profit sharing plans (but not the plan participants or government pension plans) (5).

**Which custodians does RM Financial Services, LLC use?**
RM Financial Services, 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 RM Financial Services, 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/304297

**Does RM Financial Services, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 23, 2026 says: "In general, RMFS has a minimum account requirement of $250,000. At our discretion, we may waive this minimum account size."

**What changed in RM Financial Services, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $221,081,455 to $245,391,882 (+11%).

## 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 March 23, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> In general, RMFS has a minimum account requirement of $250,000. At our discretion, we may waive this minimum account size.

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: $245,391,882
- Discretionary: $236,736,826
- Non-discretionary: $8,655,056

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 271 | $70,054,816 |
| High net worth individuals | 119 | $163,646,396 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 5 | $8,655,056 |
| Charitable organizations | 2 | $731,630 |
| State or municipal government entities (including government pension plans) | 1 | $716,803 |
| Corporations or other businesses not listed above | 4 | $1,587,181 |

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

### Firm details
- Registered since: 2021 (5 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, ME, NC, NH, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Delray Beach, FL

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

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $125,535,000 | 4 | April 6, 2021 |
| October 2022 | $168,330,668 | 5 | March 3, 2022 |
| October 2023 | $172,362,195 | 6 | July 21, 2023 |
| October 2024 | $207,785,037 | 5 | March 25, 2024 |
| October 2025 | $221,081,455 | 5 | April 22, 2025 |
| October 2026 | $245,391,882 | 4 | March 23, 2026 |

Regulatory assets under management: $125,535,000 in the October 2021 data and $245,391,882 in the October 2026 data, up 95%.
Total employees: 4 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $221,081,455 to $245,391,882 (+11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. RM Financial Services, LLC (CRD 304297): Form ADV filing data as of October 2026.