Why Regal?

Well first, let's address the question: "Why work with a Financial Advisor"? 

Some people do, of course, manage their own personal finances without professional assistance.  But that doesn't mean it's in their best financial interest or that optimal results have been achieved.  There are five reasons to work with an advisor:

  • You will put together a financial plan - very few do this on their own.  It takes time and sometimes can be uncomfortable.
  • You will be asked to answer questions you otherwise may avoid asking - how are you going to pay for college, is your will updated, how will you assist your aging parents, if needed . . .
  • You will identify risks in your portfolio -like being overweight in an asset class or being invested too aggressively (or even too conservatively!)
  • You will have a better understanding of your biases - we all have them, the key is being aware and addressing them
  • You will have a professional to coach you through market volatility - another voice during tough times can be invaluable.

And on the subject of portfolio returns, independent studies repeatedly speak to the advantage of working with a professional:

  • A study conducted by DALBAR, a well-respected independent research firm, found that the average return of the S&P 500 over the last 20 years was 9.9% per year (after fees), yet the average equity investor earned only 5.2%1.
  • In a similar vein, Vanguard published a report indicating that returns over a full market cycle could be as much as 3% higher for individuals using investment advisors, even after considering the advisors fees.2  
  • And a separate Morningstar report concluded that returns (after fees) increased by 1.6% for those using an advisor.  Over time, working with an advisor could add as much as 22% of additional retirement income!3

Why? Most individual investors gravitate toward the next “hot” investment and let emotions rule their portfolio. The goal of our approach at Regal Wealth Advisors is to take the emotion out of investing in order to capture market returns while minimizing volatility.


Next question: "Why engage a CFP® professional?"

The title financial advisor is a loosely defined (and as a result, easily utilized) term.  Legally, there are no education or experience requirements necessary before calling oneself a "financial advisor".  (The same is true of "financial planner".)   That is why the  Certified Financial Planner's CFP® designation is so well-respected, and sought out.  CFP® professionals have completed extensive training and experience requirements, must comply with ongoing education requirements to maintain there expertise, and are bound to rigorous ethical standards. They understand all the complexities of the changing financial climate and will make recommendations in your best interest.


Finally: "Why work with Regal Wealth Advisors?"

We believe our clients work with us because we are:

  1. Comprehensive in scope - in a financial world with increasing complexity, conflicts-of-interest, and volatility, a holistic approach - supporting one's overall financial well-being - is essential when pursuing long-term financial success.
  2. Technically competent - our advisors are well-versed in financial matters and have years of experience helping individuals, families, and businesses work toward their financial goals. 
  3. Independent in action - we choose not to be captive to a Wall Street wirehouse, bank, insurance company or other financial entity.  This allows us to not be subject to undue influence, or unbeholdened to anyone - except our clients.  That means that their interests are paramount.
  4. Client-centered - we pride ourselves on extraordinary service and attention to detail
  5. Cost / fee concious - we utilize lower cost investment and insurance strategies without sacrificing performance, and our advisory fees provide value to our clients.


Let's talk.  We enjoy meeting with new friends . . . and we are pleased to serve as a sounding board or provide a second opinion for your financial concerns.


(1) DALBAR Quantitative Analysis of Investor Behavior 2015.

(2)  Francis M. Kinniry Jr., Colleen M. Jaconetti, Michael A. DiJoseph, and Yan Zilbering, “Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha,” Vanguard Research, March 2014

(3) (3) David Blanchett and Paul Kaplin, “Alpha, Beta, and Now . . . Gamma,” Morningstar Investment Management, August 28, 2013.