Our Services

Welcome to RM Financial Services, where your financial aspirations take center stage. Our service page is a gateway to a world of tailored solutions. Whether you're looking to invest now, plan for the future, or secure what matters most, our dedicated team is here to guide you. Explore our range of services designed to put you on the path of financial success.

Investment Management

Driven by our philosophy that one size does not fit all, we tailor our client’s portfolios to their preferences and needs. We create portfolios from a wide range of investment options and vehicles. As an independent RIA firm, our options are not bound by proprietary products, companies or sponsored strategies; your portfolio reflects your circumstances. Except for certain business retirement plans, we manage client assets on a discretionary basis.

Investment Management Services:

Security selection, trading, monitoring and rebalancing
Portfolio asset allocation and diversification
Tax-loss harvesting and asset placement optimization
Cash management and assistance with life’s large financial decisions
Processing of gifts either as cash or shares in-kind.

Life Planning

Life’s goals are dynamic. Life happens and plans change. Whether it be the purchase of a first or second home, budgeting for day care or paying for college, the start of a new hobby or the trip of a lifetime, we can devise strategies and walk you through your options to reach your goals. Life planning services are offered through our Comprehensive Investment Advisory Service or as a stand-alone service.

Life Planning Services (including but not limited to):

The creation, monitoring and adjusting of plans to reach specific goals
College and Graduate School Planning, as well as post-graduation budgeting
Large purchase or expense planning

Retirement Planning

Whether planning for or navigating through retirement, we will be by your side every step of the way. Retirement plan services are offered through our Comprehensive Investment Advisory Service or as a stand-alone service.

Retirement Planning Services:

The creation, monitoring and adjusting of (as needed) a customized retirement plan
Client access to our retirement planning software
Optimizing age-based income streams such as Social Security and pensions
Processing of Required Minimum Distributions (RMD)
Withdrawal strategies for tax loss mitigation and Roth conversions

Legacy Planning & Service

Advising our clients on shaping their legacy is a privilege. We are committed to guiding our clients every step of the way; from the initial stages of crafting a personalized estate plan, to extending support to their beneficiaries. We collaborate closely with their chosen attorneys and accountants to ensure their wishes are followed through. Additionally, we engage with trust departments, whether local or remote, to ensure our clients have the resources to meet their goals.

Legacy & Estate Planning Services:

Multi-generational financial planning
Gifting and asset preservation strategies
Investment management of Irrevocable, Revocable, Educational, Special Needs as well as other kinds of trusts
Assistance with the formation and navigation of vehicles such as Charitable Trusts and Donor Advised Funds, empowering you to make a lasting impact while maximizing tax advantages

Corporate & Nonprofit Investment Services

We provide comprehensive and independent investment services tailored to the unique needs of both non-profit organizations and corporations. For non-profits, we “manage to the mission,” whether that be a short-term fundraising need or the stewardship of an endowment. We offer corporate clients’ strategic investment and planning solutions which align with the needs of their specific industry, as well as retirement plans that can help build wealth as well as attract and retain employees.

Corporate & Nonprofit Investment Services:

Investment management of corporate and non-profit accounts
Business transition and sale assistance
Retirement plans
Participation in management committee meetings as well as presentations to Boards of Trustees