Royal Financial Investment Group

Royal Financial Investment Group LLC provides discretionary investment management primarily to individual (non–high-net-worth) clients and also accepts business, 401(k) plan and charitable clients. The firm manages a compact client base of roughly 50 accounts with about $6 million in assets under management and advises on equities, options, bonds, U.S. Treasuries, ETFs, mutual funds and municipal securities.

The firm pursues a core-and-satellite approach, describing the core as tracking major indexes (using ETFs, including leveraged bullish ETFs) while satellite holdings focus on higher-beta growth stocks; it also uses options strategies and ongoing rebalancing. Accounts are managed on a discretionary basis with monthly account reviews, at least semi-annual client meetings, and a requirement that clients custody assets at the firm’s designated broker-dealer.

Compared with peers, the firm is notable for explicitly not serving high-net-worth clients and for operating with a single advisory professional and modest AUM, which shapes its client service model and target market. The firm’s managing member maintains outside activities — including licensed insurance sales, a financial literacy nonprofit that is also a client, and a public podcast — and the brochure discloses custodial arrangements (soft-dollar benefits and a paid marketing link with the custodian) that the firm identifies as potential conflicts of interest.