# Michael Harter

> Michael Harter is a fee-only financial advisor at RFM Financial Solutions in Mt. Pleasant, Michigan, who holds the CFP credential. Michael charges a percentage of assets and hourly fees (0.5%–1% a year of assets managed).

Page: https://find.wellspent.co/advisors/michael-harter/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** RFM Financial Solutions
- **Based in:** Mt. Pleasant, Michigan
- **Fee model:** Percentage of assets; Hourly
- **Fees (firm's website):** 0.5%–1% a year of assets managed
- **Assets under management (firm):** $260.1M across 979 accounts
- **Credentials:** CFP
- **CRD:** 4466247 (https://adviserinfo.sec.gov/individual/summary/4466247)
- **SEC registration:** Investment adviser representative in MI, TX
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://www.rfmfinancialsolutions.com

## Frequently asked questions

### Is Michael Harter a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michael holds no broker registration, and RFM Financial Solutions reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michael charge for financial advice?

Michael charges a percentage of assets and hourly fees.

### How much does Michael charge?

According to RFM Financial Solutions's website, checked October 30, 2026: 0.5%–1% a year of assets managed.

### Where is Michael Harter based?

Michael Harter is based in Mt. Pleasant, Michigan.

### What credentials does Michael Harter hold?

Michael Harter holds the CFP credential.

### Is Michael Harter registered with the SEC?

Yes. Michael Harter is registered as an investment adviser representative in MI and TX (CRD 4466247), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does RFM Financial Solutions manage?

RFM Financial Solutions reports $260.1M across 979 accounts in assets under management.

### How do I contact Michael Harter?

Through Michael's website, www.rfmfinancialsolutions.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4466247): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://rfmfinancialsolutions.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.