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 transparent 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

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

An independent firm benefits you. At 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 a wide variety of asset managers who provide defined asset allocation strategies5, ongoing investment manager research, and portfolio monitoring.

Core portfolios are strategically augmented to help pursue 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 pursue 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.

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

Investing in stocks and mutual funds involves risk, including possible loss of principal.

An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as not diversified, price volatility, competitive industry
pressure, international political and economic developments, possible trading halts, and index tracking errors. Exchange Traded Funds concentrating in specific industries are subject to higher risks and volatility than those that invest more broadly.

International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in emerging markets. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the investor’s yield may differ from the advertised yield.

Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value. High yield/junk bonds (grade BB or below) are not investment grade securities, and are subject to higher interest rate, credit, and liquidity risks than those graded BBB and above. They generally should be part of a diversified portfolio for sophisticated investors. Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained. There is no guarantee that the Business Development Company (BDC) will achieve its investment objectives. Investing in private equity and private debt is subject to significant risks and may not be suitable for all investors. These risks may include limited operating history, uncertain distributions, inconsistent valuation of the portfolio, changing interest rates, leveraging of assets, reliance on the investment advisor, potential conflicts of interest, payment of substantial fees to the investment advisor and the dealer manager, potential illiquidity and liquidation at more or less than the original amount invested. Alternative investments may not be suitable for all investors and involve special risks such as leveraging the investment, potential adverse market forces, regulatory changes and potentially illiquidity. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses. Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value. Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently