# RM Financial Services

RM Financial Services is a Bank / Wealth / Trust based in Falmouth, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Falmouth, United States
- **Region:** North America
- **Address:** Falmouth, ME, United States
- **Founded:** 2007
- **Assets under management:** Undisclosed
- **Website:** rmfsllc.com
- **LinkedIn:** linkedin.com/company/rm-financial-services

## Regulatory record

- **Reports private funds:** No

## About

RM Financial Services was established in 2007 in Falmouth, Maine, by a team whose combined industry experience exceeds 60 years. The firm operates as an independent registered investment advisor, a structure it argues frees its advisors from the product-placement mandates common at large wire-houses. Its four publicly named team members — Cayla Moore, Mark Macleod, Aaron Rugh, and Abigail Ferguson — serve individuals, high-net-worth households, trusts, estates, charitable organizations, and businesses. The firm delivers investment management, financial planning, and retirement-planning services, with an additional category it labels "Other Solutions." Its investment management is described as tailored to each client's objectives rather than mass-modeled. The firm emphasizes a fiduciary standard, placing client interests ahead of any corporate balance-sheet objective. While RM Financial Services does not publicly disclose specific portfolio holdings or co-investors, its website references a broad product and service shelf, implying a multi-asset-class capability spanning equities, fixed income, and insurance-based solutions. Its geographic footprint is concentrated in Maine, serving clients locally. RM Financial Services does not publish its assets under management or total deployment. No adjacent venture vehicles, proprietary fund families, or club memberships such as Tiger 21 or YPO are disclosed. Its structural differentiator lies in its explicit rejection of wire-house alignment. By operating as an independent RIA, RM Financial Services can construct portfolios without quotas on proprietary funds — a governance posture that gives its advisors discretion to select third-party products. This architecture, while common among small RIAs, is the firm's defining claim in a market where many New England advisory practices remain tethered to large broker-dealer networks.

## People

- Cayla Moore — Team Member
- Mark Macleod — Team Member
- Aaron Rugh — Team Member
- Abigail Ferguson — Team Member

## Questions

### Who runs investment decisions at RM Financial Services?

The firm lists four team members — Cayla Moore, Mark Macleod, Aaron Rugh, and Abigail Ferguson — on its website, but does not designate a chief investment officer or assign investment-committee roles. All are presented as financial professionals delivering combined advisory services. Specific portfolio-management responsibilities are not disclosed publicly.

### Is RM Financial Services a fiduciary?

Yes. The firm states on its website that it operates as a fiduciary, meaning it is legally obligated to put client interests ahead of its own. This is supported by its independent RIA structure, which it contrasts with the proprietary-product pressures found at large wire-houses.

### What client types does RM Financial Services serve?

Its regulatory filings and website indicate services are offered to individuals, high-net-worth individuals, trusts, estates, charitable organizations, and businesses. The firm does not publish minimum asset thresholds or client counts.

## Related profiles

- [RMD Partners](https://altss.com/profile/rmd-partners)
- [RMI](https://altss.com/profile/rmi)

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Last updated: 2026-08-11T02:43:31.692Z

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