# RFM Financial Solutions

RFM Financial Solutions is a Bank / Wealth / Trust based in Mt. Pleasant, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Mt. Pleasant, United States
- **Region:** North America
- **Address:** 805 N. Brown St., Ste. A, Mount Pleasant, MI 48858, United States
- **Founded:** 2006
- **Assets under management:** Undisclosed
- **Website:** rfmfinancialsolutions.com
- **LinkedIn:** https://linkedin.com/company/rfm-financial-solutions-llc

## Regulatory record

- **CRD number:** 124468
- **SEC file number:** 801-116713
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2025-12-22T06:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/124468

## About

RFM Financial Solutions was established in 2006 as an independent registered investment advisor, emerging from the long-running Michigan accounting firm Robert F. Murray & Co., CPAs. Mike Harter serves as president and chief investment advisor, anchoring the practice with both CPA and CFP designations. The firm treats its accounting-firm heritage as a structural advantage — integrating tax planning, estate strategy, and business exit planning directly into its investment advisory work rather than outsourcing those functions to external providers. Its Mount Pleasant headquarters is complemented by a second office in Midland, Michigan. The firm delivers portfolio management, personal financial planning, and company retirement plans — including 401(k), SIMPLE IRA, SEP, and profit-sharing plans — across a client base of high-net-worth individuals, corporations, businesses, and charitable organizations. RFM Financial Solutions operates under a fee-only model; compensation is a flat percentage of account value, with no commissions, trailers, or markups flowing to the advisor. This alignment mechanism means the firm’s revenue scales only when client portfolios appreciate. The investment approach is discretionary and personalized, with asset-allocation decisions driven by individual risk tolerance, liquidity needs, and intergenerational goals. The firm maintains a deliberate geographic concentration in the Great Lakes Bay Region — encompassing Mount Pleasant, Midland, Saginaw, and Bay City — rather than pursuing a national footprint. RFM Financial Solutions operates as one of several entities under the RFM Group umbrella, with shared ownership across a team that includes Harter, audit manager and shareholder Tina M. Powell, shareholder John Goggan, and operations manager and shareholder Bethany LeViere. Investment advisor Justin C. Cook also carries both CPA and CFP credentials. No philanthropic vehicles, co-investment clubs, or alternative-asset platforms are disclosed alongside the advisory practice. Recent observable activity remains limited to the firm’s ongoing fee-only advisory services and the continued operation of its dual-office structure in central Michigan. RFM Financial Solutions is structurally anchored to an accounting partnership that has served its community for over 50 years. That relationship embeds the firm inside a broader tax-and-estate advisory workflow — a positioning that distinguishes it from standalone RIAs that must build or buy that capability. The firm’s geographic restraint and fee-only model further shape a low-asset-velocity, relationship-driven posture, though it discloses no capabilities in private markets, alternatives, or institutional-grade manager selection, which limits the set of allocators for whom it represents a relevant counterparty.

## Offices

- Midland, MI, United States

## People

- Mike Harter — President, Chief Investment Advisor
- Tina M. Powell — Audit Manager, Shareholder
- John Goggan — Shareholder
- Bethany LeViere — Operations Manager, Shareholder
- Justin C. Cook — Investment Advisor

## Questions

### How is RFM Financial Solutions related to Robert F. Murray & Co.?

RFM Financial Solutions was established in 2006 as the wealth-management and investment-advisory arm of Robert F. Murray & Co., a CPA firm that has operated in the Great Lakes Bay Region for over 50 years. Shareholders like Mike Harter, Tina M. Powell, and Bethany LeViere sit across both entities, linking tax, estate, and business-exit planning directly into the advisory workflow.

### What is RFM Financial Solutions' compensation model?

RFM Financial Solutions operates on a fee-only basis, charging clients a flat percentage of account value. The firm explicitly states it receives no commissions, trailers, or markups — a structure designed to align advisor compensation with client portfolio performance. Aside from gaining new clients, the firm’s income grows only when client accounts appreciate.

## Related profiles

- [RF&L Wealth Management](https://altss.com/profile/rf-l-wealth-management)
- [RGA Investment Advisors](https://altss.com/profile/rga-investment-advisors)

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Last updated: 2026-06-03T20:00:00.000Z

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