RICHARDSON FINANCIAL SERVICES INC.

RFS is a fee-based registered investment advisor located in Medway, Massachusetts, operating since 1997. Steven Michael Richardson is the majority owner and President. They offer financial planning services, which involve evaluating a client's current and future financial state to predict cash flows, asset values, and withdrawal plans. The financial planning process considers all aspects of the client's financial and life situation, culminating in a written report outlining a detailed plan to achieve their financial goals. RFS does not charge performance-based fees or have minimum annual fees or net worth requirements for their financial planning services. They generally provide advisory services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, and corporate and business entities. Their policy prohibits employees from purchasing or selling securities before transactions are implemented for advisory accounts, preventing them from benefiting from transactions placed on behalf of advisory accounts. They also maintain a list of all securities holdings for their firm and anyone associated with the practice, which is reviewed regularly.

The firm analyzes mutual funds and ETFs, focusing on the manager's experience and track record to determine their ability to invest consistently across different economic conditions. This analysis aims to identify managers who have demonstrated a capacity for success over time. The firm's planning recommendations encompass a wide range of financial instruments, including securities, debt securities, certificates of deposit, municipal securities, U.S. government securities, variable life insurance, variable annuities, and mutual funds. The financial plan is typically presented within six months of the contract date, provided the client provides all necessary information.

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