Regan Financial Group, LLC

Regan Financial Group, LLC provides investment management, financial planning, and referrals to third‑party advisers primarily for individual clients. The firm offers comprehensive portfolio management and standalone planning or consulting, and it assists clients in accessing a third‑party estate‑planning platform for document preparation.

Its investment approach is grounded in academic research (e.g., Modern Portfolio Theory and Fama‑French) and uses broadly diversified, factor‑based portfolios composed of stocks, bonds, ETFs, mutual funds and other instruments with periodic rebalancing. Regan generally manages accounts on a non‑discretionary basis and commonly places or refers assets to third‑party advisers through solicitor and tri‑party arrangements, while remaining the primary point of contact for clients.

Distinctive aspects disclosed in the brochure include a relatively small amount of regulatory assets under management ($739,000 reported entirely as non‑discretionary) alongside $65 million in assets under advisement, a practice reliance on third‑party managers, and a disclosed 2016 FINRA enforcement action involving the firm’s principal. The brochure also notes that firm representatives are licensed insurance agents and that the firm provides fee‑based support to clients using the Estate Guru platform, both of which the firm discloses as potential conflicts of interest.