Regal Oak Financial, LLC

Regal Oak Financial serves individual investors, business owners, high-net-worth individuals, and nonprofit organizations, providing comprehensive financial planning, retirement and investment planning, insurance and tax planning (coordinating with CPAs), estate planning (coordinating with attorneys), and portfolio management. Clients can engage for a broad financial plan or for focused work on specific planning areas, and the firm prepares plans using MoneyGuidePro and offers model portfolios drawn from mutual funds and ETFs.

The firm’s investment approach emphasizes low-cost, long-term portfolios built primarily from mutual funds and exchange-traded funds, avoidance of frequent trading, and preference for no-load funds; it also makes Vanguard model portfolios available as an option. Regal Oak operates on a client-directed basis—its brochure states it does not accept custody or execute discretionary trades—so recommendations are implemented with client approval and periodic rebalancing.

Compared with many solo independent advisers, the brochure highlights work with nonprofit clients and the firm’s outside nonprofit activities (consulting with Entrenuity and serving on World Renew’s U.S. Investment Committee), which are noted alongside its client education resources on www.regaloakfinancial.com rather than regular in-person seminars. The firm also notes access to Vanguard strategic model portfolios and continuing-education resources for the adviser, features that support its advisor-led, non-discretionary service model.