Royal Fund Management, LLC

Royal Fund Management, LLC serves individuals (including high‑net‑worth clients), corporations, pension and profit‑sharing plans, charitable organizations, and participants in defined contribution plans, offering ongoing portfolio management, financial planning, pension consulting, and participant account management. The firm also provides advice on held‑away assets and may recommend or monitor third‑party money managers as part of its services.

The firm develops an Investment Policy Statement for each client and applies fundamental, technical, and cyclical analysis to implement strategies that range from long‑term investing to options writing, with regular portfolio monitoring tied to documented risk tolerances. For retirement plan participants it offers both non‑discretionary quarterly allocation recommendations and discretionary participant account management using a third‑party platform (Pontera) to connect and rebalance held‑away defined contribution accounts.

Compared with many peers, the firm offers access to select non‑traded REITs and a StoneCastle FDIC cash‑alternative program that yields a small payment to the firm (a disclosed conflict of interest), and it provides an options‑writing overlay available to enrolled clients. The brochure also discloses related‑party activities that are uncommon for firms of this size—advisors who sell insurance through an affiliated insurance entity that may receive commissions, and an affiliated aviation entity that leases an aircraft to the firm—and notes that account reviews are performed centrally on at least a quarterly basis by the firm’s designated reviewer.