Fee-only adviser · Lynnfield, MA
R.a.i. Financial Services, Inc.
R.a.i. Financial Services, Inc. is a fee-only investment adviser registered with the securities regulator of Massachusetts, with its main office in Lynnfield, Massachusetts. On its latest Form ADV, filed October 25, 2021, it reports $9.4M in regulatory assets under management, 99 individual clients and 1 employee who gives investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | State-registered: Massachusetts |
|---|---|
| Firm CRD number | 128596 |
| Office | 210 Broadway, Suite 103 Lynnfield, MA 01940 |
| Phone | (781) 598-4466 |
| Website | www.raifinancial.com |
| Regulatory assets under management | $9.4M |
| Individual clients | 99 non-high-net-worth, 0 high-net-worth |
| Financial planning clients | 0 |
| How it charges | Percentage of assets, Hourly, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 3 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | October 25, 2021 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Lynnfield
- Timothy Charles Financial, LLC $98M
- Essex Capital Management $46M
- WELLFIN360 $1.6M
- F L Putnam Investment Management Co. $9.7B
See all 5 fee-only advisers in Lynnfield →
Nearby
- Wakefield 2 firms
- Reading 1 firm
- Peabody 2 firms
- North Reading 2 firms
- Danvers 3 firms
- Melrose 1 firm
- Middleton 1 firm
- Woburn 6 firms
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