Royal Fund Management, LLC

• A percentage of assets under your management
• Hourly charges
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

The brochure lists different fees for different services or strategies. See the firm's brochure (dated March 3, 2026) for its fees and any account minimum, on the SEC's IAPD site.

$1,557,484,260 as of October 2026, filing dated August 21, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• Financial planning services
• Portfolio management for individuals and/or small businesses
• Selection of other advisers (including private fund managers)
• Other

Also doing business as

401(K) MANEUVER, ADVANCED FINANCIAL STRATEGIES, AMERICAN ELITE RETIREMENT LLC, AR WEALTH MANAGEMENT, BRIDGE WEALTH STRATEGIES, CAMINO ADVISORY, COLORADO ELITE RETIREMENT PLANNING, LL DBA SOLID WEALTH ADVISORS, LLC, FAMILY FINANCIAL RETIREMENT SYSTEMS LLC, FRACTAL PROFILE WEALTH MANAGEMENT, FREDERICK FINANCIAL GROUP, GATEKEEPER INVESTMENT ADVISERS, GOVERNMENT PERSONNEL ADVISORY GROUP, LLC, HAWKS FINANCIAL, LLC, JH ADVISERS, JUDY CARLSON FINANCIAL GROUP, LIFE & LEGACY ADVISORS, LLC, LINK WEALTH MGMT, LLC, MCRAE INVESTMENT ADVISORY, NEW LIFE FINANCIAL PLANNING, LLC, NORTHPOINT FINANCIAL, LLC, NORTHSHORE PLANNING GROUP, ROYAL FUND MANAGEMENT, SIGNATURE AMERICA FINANCIAL & INSURANCE SERVICES, INC, SPROUSE INVESTMENTS LLC, STRATEGIC FINANCIAL GROUP, TRIPLETT WEALTH MANAGEMENT, VALLEY ASSET MANAGERS LLC, WAGNER INVESTMENT & RETIREMENT ADVISORS, YI WEALTH MANAGEMENT

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2013 (13 years)

Employees

Total: 93. Performing investment advisory functions: 83.

Wrap fee program participation

No.

Custodians (Schedule D, Section 5.K(3))

Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

Other offices (Schedule D, Section 1.F)

62 other offices, as of the September 2026 filing

Albuquerque, NMAllen, TXAnkeny, IAAtlanta, GAAustin, MNBeaumont, TXBonner Springs, KSBurbank, CABurnsville, MNCanton, OHCentennial, COCharlotte, NCCherokee, IAClinton, OKClive, IACoral Gables, FLDes Moines, IAEaston, PAElk River, MNFort Collins, COFountain Valley, CAGlandorf, OHHouston, TXJacksonville, FLJupiter, FLLaguna Hill, CALakeland, FLLakewood, COLavale, MDLeawood, KSLee Summit, MOLincoln, NELynchburg, VAMatawan, NJMiami, FLNew Franklin, OHNewton Falls, OHOneida, TNOrlando, FLOro Valley, AZOtsego, MNOverland Park, KSPalm Beach Gardens, FLPalm Desert, CAPasadena, TXPeckville, PAPryor, OKRichfield, OHRichmond, VARockford, ILRocky Hill, CTRound Rock, TXSan Ramon-AlajuelaSt. Petersburg, FLStuart, IASun City Center, FLTampa, FLThe Villages, FLUrbandale, IAVero Beach, FLWindsor Heights, IAYork, PA

States registered or notice-filed

44 states or jurisdictions

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SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

5 Reports 5 disclosure items on Form ADV Item 11. View on IAPD.

Questions answered yes on this filing

Regulatory matters Items 11.C to 11.G

• 11.D(2) Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
• 11.D(4) In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?
• 11.D(5) Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?
• 11.E(2) Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?
• 11.E(4) Has a self-regulatory organization or a commodities exchange ever disciplined the firm or an advisory affiliate by expelling or suspending it from membership, barring or suspending it from association with other members, or otherwise restricting its activities?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. What happened, and who was involved, is on the Disclosure Reporting Pages of the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $855,028,535 in the October 2021 data and $1,557,484,260 in the October 2026 data, up 82%.

Total employees: 92 in October 2021 and 93 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. September 2026
   • Changed its office addresses in Albuquerque, NM.
2. August 2026
   • Added the business name Link Wealth MGMT, LLC.
3. June 2026
   • No longer lists the business name TRU Financial Strategies.
   • No longer lists the business name Transitions Financial LLC.
   • Added an office in Centennial, CO.
   • No longer lists an office in Hoffman Estates, IL.
4. April 2026
   • Added the business name Transitions Financial LLC.
   • Regulatory assets under management went from $1,307,115,289 to $1,557,484,260 (+19%).
   • Added an office in Atlanta, GA.
   • Added an office in Lakewood, CO.
   • Added an office in Oneida, TN.
   • Added an office in Overland Park, KS.
   • Added an office in Urbandale, IA.
5. March 2026
   • Changed its office addresses in Pasadena, TX.
6. February 2026
   • Added an office in Charlotte, NC.
7. December 2025
   • Changed its office addresses in Hoffman Estates, IL.
   • Added an office in Laguna Hill, CA.
   • No longer lists an office in Lake Forest, CA.
   • No longer lists an office in Maumelle, AR.
   • Registered or notice-filed in MT.
8. November 2025
   • No longer lists the business name Budnick Wealth Management.
   • No longer lists an office in Wilmington, NC.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.