Regal Oak Financial, LLC

Regal Oak Financial is a solo independent advisory firm that provides comprehensive financial planning and investment planning services to individuals, business owners, high-net-worth clients, and nonprofit organizations. Services described in the brochure include retirement, tax, estate and insurance planning support (working with outside CPAs and attorneys), portfolio recommendations, and client education resources.

The firm’s process emphasizes an initial listening and goal-setting step, use of third‑party planning software to produce client-accessible financial plans, and investment recommendations that favor low-cost mutual funds and exchange-traded funds. The adviser states a buy‑and‑hold stance with limited trading, recommends model portfolios (noting access to Vanguard model portfolios), and does not exercise discretionary trading or take custody of client assets, instead providing non‑discretionary advice and implementation support.

Noteworthy differences from many peers include an explicit focus on nonprofit/charitable clients and a sustained emphasis on client education — maintaining ongoing educational materials and access to advisor-oriented resources and continuing-education content — features the brochure highlights in addition to recommending Vanguard without receiving sales compensation. The firm also describes diversified fee arrangements and the adviser’s outside business and nonprofit involvement, which may influence the firm’s community and service orientation.