[l2ridehd]

I have not and would not. This is from their web site.

"RFM is compensated by a fee based on a percentage of a client’s assets under management. Fees are negotiable and Exhibit II of the Investment Advisory Contract shows the final fee agreed upon. The advisory fees are paid quarterly in arrears eliminating the need for a refund policy. Client authorization allows the advisory fees to be withdrawn directly from their account. Clients can terminate the advisory relationship without penalty by providing a thirty day written notice."

Their fee runs a minimum of 1% of assets under management plus fund fee's. That is a VERY steep price to pay for what they do. You can do the same thing your self with minimum effort and and significantly lower cost.