Regal Capital Management | Financial Planning and Wealth Advisory

Our mission is to partner with clients to accumulate, manage, and preserve wealth through comprehensive financial planning and investment counsel. We avoid potential conflicts of interest by working solely for you. We are not mandated to sell certain products. We are a Registered Investment Advisor that practices stewardship and not salesmanship.

We work with people and organizations from all walks of life. Our clientle consists of individuals and families, retirees and soon to be retirees, non-profit organizations, and buisinesses. We can develop and manage customized 401K and 403B plans tailored for businesses and organizations or serve as investmetn advisors and consultants for your current plan.

We can assure you that you will receive professional, unbiased, and well-researched advice and counsel from our firm. Following is just a sample of services we provide:

Business Clients

Business Succession Planning
Employee Benefits Planning
Customized 401K & 403B Plans
Deferred Compensation Plans
On-Site Educational Programs
Business Consulting
Income Tax Planning and Preparation
Payroll Processing and Tax Filing
Financial Statement Preparation and Bookkeeping
Tax Reporting and Compliance
Quickbooks Consultation and Maintenance

Individual & Family Clients

Investment Management
Retirement Planning
Estate Planning
Risk Management
Life, Disability, and Long Term Care Insurance
Asset Protection Strategies
Charitable Giving
Education Funding
Tax Preparation Services

Non-Profit Clients

Cash Flow Analysis
Investment Management
Gifting Strategies
Estate, Trust, and Gift Tax Return Preparation
Educational Programs

Our philosophy is based upon stewardship and not salesmanship. Our firm was established to offer an alternative to the typical “product-sales” approach that pervades the financial planning profession.

We are:

Professional Investment Managers.
Comprehensive Financial Planners.
Educated and experienced to provide objective advice.
Passionate about our financial planning and investment management approach.

We are not:

Salespeople posing as financial advisors.
Owned by a national company that has proprietary products. Our firm is independently owned.
A one size fits all firm.

Since our firm is primarily compensated by fees as opposed to commissions, our clients have the assurance that our investment management and financial advice is objective and free from any conflicts of interest. Our investment recommendations are based on our own independent research.

Our wealth management process is thorough, ongoing, and carefully executed by implementing the following steps:

Step One – Assessment and Goal Setting

Gather and organize all pertinent data.
Identify, quantify, and prioritize goals and objectives.
Evaluate and identify risk tolerance.

Step Two – Develop a Strategic Plan

Develop an asset allocation strategy using techniques that accomplish our investment approach.
Prepare an Investment Policy Statement which will contain the objectives, investment process, risk tolerance, and asset allocation to achieve the client’s goals.
Create Risk Management Strategies.

Step Three – Implementation of the Investment Plan

Allocate assets based upon our investment approach.
Implement and integrate the investment plan into the total wealth management process that will include areas such as estate planning and asset protection.

Step Four – Continuous Wealth Management Monitoring

On-going performance measurement and evaluation.
Quarterly reporting.
Frequent client review meetings.
Investment policy statement supervision.
Due diligence.

Our clients have the assurance that our investment management and financial advice is objective and free from any conflicts of interest.

We believe in a disciplined investment approach based upon sound independent research.

We Believe:

In a sound investment process based upon Modern Portfolio Theory (MPT) which resulted in a Nobel Prize for three economists which developed MPT, and the American Law Institute’s 1992 Restatement of the Prudent Investor Rule.
That the investment plan is only a part of the comprehensive financial planning process.
Risk management is paramount to wealth preservation and is central to our investment process.
In using passive investment strategies such as index funds and iShares to form the “core” of our client’s portfolios. In addition and when appropriate, we add alternative investments to enhance investment performance and reduce overall risks.
That strategic asset allocation is one of the most important aspects of the investment management process.
In utilizing institutional, professional, and independent research. We do not pay attention to the typical “noise” from the financial mass media.
In continuously educating our clients about the investment and financial planning process.
There are typically two approaches to investment management. These are known as “Buy and Hold” and “Marketiming”. Our firm holds to neither. We simply interpret the markets and apply that knowledge towards the best interest of the client’s goals. We discourage frequent trading within a client’s account.

Wealth management is becoming increasingly complex. The financial landscape is littered with continuous new offerings of products and investment alternatives. We devote a great deal of time, energy, and research to understanding the relevant issues that affect our clients. With our disciplined investment approach, we do not spend time chasing performance and the latest “hot” investment. We seek to bring peace and a sound mind to the evolving world of financial planning and investment management.

Whether you are a private client trying to navigate the financial waters, a company that desires a customized 401K program, or a non-profit organization that desires stewardship with endowment accounts, our firm may be just the partner you are looking for.