ROYAL AMERICAN FINANCIAL ADVISORS, LLC

Overview

Royal American Financial Advisors, LLC is a small independent registered investment adviser serving individual and family clients with a mix of financial planning, discretionary portfolio management and educational services. The firm operates as an owner-managed LLC and charges a blended fee model that includes a percentage of assets under management plus other fees, which is typical for firms combining advisory and planning work. Investment activity shows a tilt toward active, risk-managed strategies. The firm’s reported asset mix indicates heavy use of derivatives, suggesting options, futures or other derivative overlays are central to how portfolios are constructed or hedged. That derivative exposure likely supports downside protection, income enhancement or tactical asset allocation. Royal American also uses packaged vehicles — primarily mutual funds — alongside more bespoke allocations through external alternative managers. Royal American is not positioned as an ESG-driven adviser and does not report multi-state adviser registration or pension consulting as primary business lines. Its affiliation with an insurance company points to the availability of insurance-based solutions or partnerships for clients seeking annuities, life insurance planning or other risk-transfer products.

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Public Holdings

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Location & Offices