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RFM Financial Solutions, LLC

Fee Only

Fee-Only Investment Management

What is it?

Fee-only investment management is the newest and most attractive way to pay for professional money management and is the type of arrangement recommended by many leading financial writers and experts.

Rather than paying sales commissions for brokers to sell you products you pay instead a reasonable annual fee (often 1% or less) based on your account value. The fee-only advisor does not charge commissions. He is interested in growing your account and providing long-term service.

Unfortunately, not many advisors will agree to work on a strictly fee-only basis. At RFM Financial Solutions, LLC, fee-only is the only way to work with clients.

Why is it better?

Reasonable cost

The only fee from RFM Financial Solutions, LLC is normally 1/2% – 1% per year of your account value. Smaller accounts are billed on an hourly rate. Compare that to regular commissions from stockbrokers of up to 1% on every stock trade and up to 6% on mutual funds.

Stockbrokers may also have hidden charges such as 12b-1 fees or surrender fees on mutual funds, surrender fees and bloated internal expenses on annuities, and heavy markups on products like unit trusts or bonds.

The basic difference is this – the commissioned stockbroker makes a living by charging you commissions. The more they charge, the more they make.

On the other hand, as a fee-only advisor, our compensation is a flat percentage of your account value. We don`t make a single dollar from commissions, trailers, or markups.

Aside from gaining new clients, the only way our income grows is if your account grows. Period. Your objective is our objective.

Safer for the client – Have you ever worried about the following?

Whether a trade has been recommended to you because it paid your broker?

Worried that a broker might “churn” your account for high commissions?

Worried that a sales contest, pressure to move inventory, or the end of the brokers` commission month were really behind a broker’s recommendation?

Have you been leery of hot tips and “great stories,” when brokers call you?

Do you get the impression they are interested in sales but not a high level of continuing service?

More objective

RFM Financial Solutions, LLC is completely independent. It is not owned or controlled by any parent investment firm. It accepts absolutely no money in the way of commissions, markups, prizes, promotions, or marketing money. Nor does it accept soft dollar arrangements to steer clients or trades.

Research is gleaned from dozens of independent sources like Morningstar, Centerpiece, Schwablink, Standard & Poors, Dow Jones, Bloomberg, etc.

The only source of income for the firm is fees from clients. And, rather than hiding fees in a prospectus, an invoice detailing the fee computation is mailed to you every quarter. You can`t get any more above-board than that.

Emphasis on service

Our interest is building a service business based on long-term client relationships. Everything can be custom-tailored to a particular clients needs or wishes. The frequency and nature of client communication is strictly up to the client. It costs no more for exceptional service.

Better performance

We recommend no-load mutual funds. These are mutual funds available for no sales charge and no surrender fee. There are thousands of them and include many if not most, of the best-performing funds available – names such as Janus, Vanguard, Fidelity, T. Rowe Price.

In addition, many funds on which you would pay a sales charge to buy from a broker we can buy for you with the sales charges waived because our firm is an institutional investor.

It has been our experience that clients do better overall using mutual funds than individual stocks and bonds. Not only is the performance better for most clients but clients generally also pay less in taxes.