1. What does Regal Financial do?

Regal Financial provides comprehensive financial planning, investment management, and insurance planning services designed to help clients pursue long-term financial clarity and confidence. Our advice is tailored to each client’s unique goals, timeline, and circumstances.

2. Who do you typically work with?

We primarily work with pre-retirees and retirees who are seeking structure, guidance, and a thoughtful strategy for managing wealth, income, and risk throughout retirement.

3. Are you a fiduciary?

Yes. Regal Investment Advisors, LLC provides investment advisory services as a fiduciary, meaning we are obligated to act in our clients’ best interests when providing investment advice.

4. How are you compensated?

Advisory services are typically provided for an asset-based fee. All fees and arrangements are disclosed in writing before any client relationship begins.

5. Do you earn commissions?

Certain insurance products, such as life insurance, annuities, or long-term care solutions, may involve commissions. When applicable, this is disclosed in advance, and recommendations are made within the context of a broader financial plan.

6. What is your investment philosophy?

Our approach is disciplined and goals-based. Portfolios are designed to align with each client’s objectives, risk tolerance, and time horizon. We do not attempt to predict markets or guarantee results.

7. Do you provide retirement income planning?

Yes. Retirement income planning is a core focus of our process and may include evaluating income sources, withdrawal strategies, tax considerations, and longevity planning.

8. Can you work with my existing accounts?

Yes. We often work with existing retirement and investment accounts and make recommendations based on what best supports

9. How often will we review my plan?

Plans are reviewed on a regular basis and adjusted as needed based on changes in goals, personal circumstances, or market conditions.

10. What is the first step to get started?

The first step is an introductory conversation to determine whether our services are a good fit. There is no obligation, and the goal is simply to understand your situation and priorities.

Insurance Planning – Frequently Asked Questions

11. What types of insurance planning do you offer?

We provide insurance planning guidance that may include life insurance, annuities, and long-term care planning. Insurance is evaluated as part of an overall financial strategy, not as a stand-alone solution.

12. Why might life insurance be part of a financial plan?

Life insurance may be used to help protect loved ones, replace income, support legacy planning, or address specific financial obligations. Whether life insurance is appropriate depends on individual goals, family circumstances, and overall planning objectives.

13. What role can annuities play in a financial plan?

Annuities may be used by some individuals to help address retirement income needs or manage certain types of risk. The appropriateness of an annuity depends on goals, time horizon, risk tolerance, and the client’s broader financial strategy.

14. How do you approach long-term care planning?

Long-term care planning considers the potential financial impact of extended care needs later in life. We help clients evaluate available planning options and strategies, including insurance and alternative approaches, as part of a comprehensive plan.

15. Will you recommend an insurance product if it isn’t appropriate for me?

No. Insurance recommendations are made only when they align with a client’s goals, needs,
and overall financial plan. Our focus is on helping clients understand their options and make informed decisions.