Investment Management

Growth and preservation of your assets are the primary objectives when investing for the future.  In a climate of low interest rates and high uncertainty about monetary and fiscal policy as well as geopolitical risk, we believe that low fees, broad diversification, and a steady and consistent discipline are the best approach towards achieving investment success.   


A successful investment strategy always begins with listening.  At Regal Wealth Advisors, we first work with clients to help crystallize their financial-life goals.  This process also provides us with a comprehensive understanding of their resources and financial situation.  It enables us to address our clients' most important concerns:  

  • How much risk should I be taking?

  • Can I maintain my lifestyle during my retirement years?

  • How can I be sure I will not outlive my money?

A customized portfolio for each client.  Once we have established a sound understanding of our client’s financial situation, life-goals, investment timeframe, and tolerance for risk, we construct a broadly diversified portfolio tailored to our client’s individual needs.  Our portfolios utilize mutual funds1 and ETFs2 in multiple asset classes, including:

Stocks - U.S. and international, including emerging markets

Bonds3 - U.S. and international; government and corporate; taxable and tax-exempt; inflation-protected; floating-rate; investment-grade and, as appropriate, high-yield

Alternatives4– including, for example, Real Estate Investment Trusts; Business Development Corporations; private equity; and annuities


An independent firm benefits youAt Regal Wealth Advisors, we are not required or unduly influenced to use any particular investment, manager, or sponsor.  As an independent firm with no Wall Street firm or “parent” to satisfy, we can evaluate the global universe of available investments and strategies, and deploy into our clients' portfolios the ones we believe are “best-in-class” solutions.  As a result, each client portfolio leverages the expertise of leading asset managers who provide defined asset allocation strategies5, ongoing investment manager research, and portfolio monitoring, free from Wall Street or a parent-company bias.

Our core portfolio holdings follow Nobel Prize winning strategies.   We have chosen to partner for our core equity and fixed income portfolio holdings with a globally-respected, institution-grade, money manager, Dimensional Fund Advisors ).

Dimensional's  investment strategies are founded on Nobel Prize winning principles.   Dimensional specializes in "passive" or index-related portfolios and is recognized globally as a leader in the field.  The objective of passive investing is to match, not beat, the return of a particular area of the capital markets.  But Dimensional introduces a portfolio “tilt” (i.e., emphasis) towards four quantitative factors that have historically proven to yield greater returns.  The benefits of Dimensional's strategy in an otherwise well-comprised core portfolio are superior long-term performance, broad diversification, consistency, low cost, and tax efficiency.  

Core portfolios are strategically augmented to help achieve your personal goals.  Always on a client-specific basis, we may also recommend additional holdings and strategies designed to take advantage of perceived opportunisties to grow or preserve our client’s holdings, or help achieve other investment goals.  Such strategies may be tactical in nature, or include the use of alternative investments such as carefully vetted annuities, Real Estate Investment Trusts (REITs); Business Development Corporations (BDCs), and private equity funds.

Transparency and safety are essential. 

To ensure our client's comfort and security, at Regal Wealth Advisors:

  • We provide our clients with a consolidated monthly statement of all their holdings, which is independently supported by third-party statements.
  • We regularly meet with clients to discuss their portfolio, as well as reaffirm our understanding of any changing circumstances, needs, and goals. 
  • We always discuss fees openly and clearly, and welcome such discussions. 
  • We utilizing independent third-party custodians for our clients' investment portfolios.

Let's talk.  We welcome the opportunity to discuss your goals and review your investment portfolio - whether currently managed professionally or not - and share our professional guidance and expertise with you


1. Mutual funds are offered by prospectus only. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the investment company, is available from your financial advisor. Be sure to read the prospectus carefully before investing.

2. Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges and expenses. Please read the prospectus carefully before investing. ETFs do not sell individual shares directly to investors and only issue their shares in large blocks. Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost.

3. Fixed income investments are subject to various risks, including changes in interest rates, credit quality, market valuations, liquidity, prepayments, corporate events, tax ramifications and other factors.

4. Investing in alternative investments is speculative, not suitable for all clients and intended for experienced and sophisticated investors who are willing to bear the high economic risks of the investment, which can include: loss of all or a substantial portion of the investment due to leveraging, short-selling or other speculative investment practices; lack of liquidity in that there may be no secondary market for the fund and none expected to develop; volatility of returns; potential for restrictions on transferring interests in the fund; potential lack of diversification and resulting higher risk due to concentration of trading authority with a single advisor; absence of information regarding valuations and pricing; potential for delays in tax reporting; less regulation and typically higher fees than other investment options such as mutual funds.  Investing in alternative assets involves higher risks than traditional investments and is suitable only for the long term. They may not be tax efficient, and have higher fees than traditional investments. They may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain. An investor could lose all or a substantial amount of his or her investment. Please consult with a financial, legal, and/or tax professional before investing in alternative investments.

5. Neither Asset Allocation nor Diversification guarantee against loss.  They are methods used to help manage investment risk.