Michael E. Harter

RFM FINANCIAL SOLUTIONS

Mt. Pleasant, MI 48858

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CRD#: 4466247

Professional summary

Michael Eugene Harter, CFP® is a registered financial advisor currently at RFM FINANCIAL SOLUTIONS, LLC located in Mt. Pleasant, Michigan.

Michael is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2011. Michael has worked at 1 firm .

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Eugene Harter's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 1989

Experience

Current

March 3, 2011 - Present

RFM FINANCIAL SOLUTIONS, LLC

Office #1: 805 N. Brown St., Mt. Pleasant, MI 48858

RIA

CRD#: 124468

Mt. Pleasant, MI

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

RFM FINANCIAL SOLUTIONS, LLC

RFM FINANCIAL SOLUTIONS, LLC | ROBERT F. MURRAY & CO. CPAS PC

CRD#: 124468 / SEC#: 801-116713

RIA

Registered Investment Advisory firm - (5/30/2019 Approved)

Michigan

Registered Investment Advisory firm - (7/10/2019 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Michigan
(3/3/2011)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

Current Firm

RFM FINANCIAL SOLUTIONS, LLC

RFM FINANCIAL SOLUTIONS, LLC | ROBERT F. MURRAY & CO. CPAS PC

CRD#: 124468 / SEC#: 801-116713

RIA

Registered Investment Advisory firm - (5/30/2019 Approved)

Michigan

Registered Investment Advisory firm - (7/10/2019 Terminated)

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Contact information

Main Address

805 N. Brown St., Mt. Pleasant, MI 48858

Mailing Address

Phone number

(989) 772-1209

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

RFM FIRM BROCHURE PART 2B (12/5/2024)

RFM FIRM BROCHURE_PART 2A (12/5/2024)

Regulatory assets under management

Total Number of Accounts	948
AUM (Assets Under Management)	$ 227,576,976

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Michael E. Harter

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Eugene Harter's CRS (Customer Relationship Summary).

Certified licenses

Experience

RFM FINANCIAL SOLUTIONS, LLC

Primary Firm SEC Registration

RFM FINANCIAL SOLUTIONS, LLC

State Registrations and Notice Filings

Exams

Current Firm

RFM FINANCIAL SOLUTIONS, LLC

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

RFM FINANCIAL SOLUTIONS, LLC

TRUST BUT VERIFY

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