Royal Wealth Management

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Client assets under management

$32,245,905

Clients

124

4% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$260,048

About

Royal Wealth Management serves individual and high‑net‑worth clients as well as retirement plans, trusts, estates and business entities, managing roughly $36.45 million for about 124 clients through two advisors. The firm offers discretionary and non‑discretionary portfolio management, goals‑based financial planning, retirement benefits consulting, and distributes annuities and other insurance products through an affiliated insurance agency.

The firm combines strategic and tactical investment management with goals‑based planning delivered via AdvisorEngine and a behavioral‑economics risk‑profiling tool, and it constructs portfolios using a range of instruments that can include ETFs, leveraged/inverse funds, options, private placements and annuities. Royal Wealth also provides a market‑timing subscription delivered through a newsletter and client portal, runs educational seminars and workshops, and will consider performance‑based fee arrangements for qualified clients.

Distinctive features disclosed in the brochure include a market‑timing newsletter/subscription offering, periodic client publications, and subadvisory arrangements for third‑party advisors — services that are less common among peers. The firm also discloses past regulatory settlements from 2012–2013 that resulted in oversight requirements, and it notes potential conflicts related to insurance commissions and solicitor fee‑splits, along with custodial relationships that yield third‑party economic benefits.

Client services

Financial planning Portfolio management Pension consulting Newsletters or periodicals Educational seminars or workshops Market timing

Expertise

Options & derivatives strategies

Occupation focus

Retired Founder/Business Owner

Demographic focus

Approaching retirement

Fee options

Fixed

Educational Seminars/Workshops fixed fee up to $500 per person/business

Percentage

$0 - $499,999.99: 1.95%/year $500,000 - $999,999.99: 1.75%/year $1,000,000+: 1.50%/year

Commissions

Certain representatives receive commissions from sale of insurance products; commissions are not primary source of compensation and advisory fees are not reduced by commissions.

Project-based

$125.00 per hour for Retirement Benefits Consulting

Performance-based

Performance-based fees offered to qualified clients with tiered rates: 20% for $0-$499,999.99; 15% for $500,000-$999,999.99; 10% for $1,000,000 and above; $600 minimum advisory fee for $500,000 and above

Subscriptions

Market Timing Subscription fees: Retail clients $0-$200/month; Professional clients $0-$20,000/month; Goals-Based Planning fees: Retail clients $0-$10,000/month; Institutional clients $0-$90,000/month

Other

Minimum fee: $600.00/year minimum advisory fee for accounts $500,000 and above Fee-only: Hourly rate of $125.00 per hour for Retirement Benefits Consulting; fixed fees for Educational Seminars/Workshops up to $500 per person/business; Market Timing Subscription fees ranging from $0.00 to $20,000 per month depending on client type; Goals-Based Planning fees ranging from $0.00 to $90,000 monthly; Subadvisory fees negotiated per contract.

Most active in

North Carolina · Ohio · Virginia

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Facebook Website 434-609-4262

Advisors at this firm

Brian R

Series 66

Chesapeake, VA

Royal Wealth Management

Brian Royal is a financial advisor at Royal Wealth Management in Chesapeake, VA, holding a Series 66 designation with 21 years of industry experience. He has been involved with Royal Wealth Management and its affiliated entities since 2008, including serving as Vice-President of Royal Wealth Insurance Agency Inc., where he is a licensed insurance agent. Royal Wealth Management serves individual and high-net-worth clients, as well as retirement plans, trusts, estates, and business entities. The firm combines strategic and tactical investment management with goals-based planning and offers a range of services including discretionary portfolio management, retirement benefits consulting, and insurance product distribution.

Options & derivatives strategies Retired Founder/Business Owner Approaching retirement

Claude R

Series 65

Chesapeake, VA

Royal Wealth Management

Claude Royal is a financial advisor at Royal Wealth Management with 17 years of industry experience. He has worked at Royal Wealth Management since 2017, with additional experience at Wealthdrive, Inc., Ace Capital, and Royal Wealth Insurance Agency. Outside of advising, he has been involved in Modern Home Construction since 1982. Royal Wealth Management serves individual and high-net-worth clients, as well as retirement plans, trusts, estates, and business entities. The firm offers portfolio management, goals-based financial planning, and retirement benefits consulting, using a range of investment instruments and a behavioral-economics risk-profiling tool.

Options & derivatives strategies Retired Founder/Business Owner Approaching retirement

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