# Royal Fund Management, LLC

> Royal Fund Management, LLC is an SEC-registered investment advisory firm in Lady Lake, FL, registered since 2013, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated August 21, 2026.

- CRD: 144434
- Filed as: ROYAL FUND MANAGEMENT, LLC
- 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)
- Location: Lady Lake, FL
- Filing period: October 2026
- Form ADV filing dated: August 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/144434
- AdvisorCensus page: https://advisorcensus.com/firm/royal-fund-management-llc-lady-lake-fl-144434

## Quick answers

**How is Royal Fund Management, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Royal Fund Management, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Royal Fund Management, LLC charge?**
Its Form ADV Part 2A brochure dated March 3, 2026 states: Hourly rate: $250 an hour. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Royal Fund Management, LLC located?**
Royal Fund Management, LLC's principal office is in Lady Lake, FL, according to its Form ADV; the September 2026 filing also lists 62 other offices (Schedule D, Section 1.F).

**Is Royal Fund Management, LLC registered with the SEC or a state?**
Royal Fund Management, LLC is an SEC-registered investment advisory firm, registered since 2013. Status as filed: Approved. CRD 144434.

**How much does Royal Fund Management, LLC manage?**
Royal Fund Management, LLC reports $1,557,484,260 in regulatory assets under management in its Form ADV filing dated August 21, 2026 (93% discretionary).

**How have Royal Fund Management, LLC's assets and staff changed since 2021?**
In the Form ADV data for Royal Fund Management, LLC: 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. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Royal Fund Management, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (4,565); high net worth individuals (375); corporations or other businesses not listed above (23).

**Which custodians does Royal Fund Management, LLC use?**
Royal Fund Management, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Royal Fund Management, LLC report any disciplinary disclosures?**
Reports 5 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation), 11.D(4) (another regulator's order in the past ten years), 11.D(5) (another regulator's denial, suspension, or revocation of a registration or license, bar, or restriction), 11.E(2) (self-regulatory organization's finding of a rule violation), and 11.E(4) (self-regulatory organization's expulsion, suspension, bar, or restriction). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/144434

**What changed in Royal Fund Management, LLC's recent Form ADV filings?**
In the September 2026 filing data: Changed its office addresses in Albuquerque, NM.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 3, 2026)

- Hourly rate: $250 an hour

> Depending upon the complexity of the situation and the needs of the client, the hourly fee for these services is $250.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### 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.

### Regulatory assets under management (Item 5.F)
- Total: $1,557,484,260
- Discretionary: $1,454,322,994
- Non-discretionary: $103,161,266

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 4,565 | $1,203,277,001 |
| High net worth individuals | 375 | $332,538,288 |
| Charitable organizations | 3 | $126,538 |
| Corporations or other businesses not listed above | 23 | $21,542,433 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2013 (13 years)
- Employees: 93 total, 83 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV
- Disclosures (Item 11): Reports 5 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 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. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/144434

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- Albuquerque, NM
- Allen, TX
- Ankeny, IA
- Atlanta, GA
- Austin, MN
- Beaumont, TX
- Bonner Springs, KS
- Burbank, CA
- Burnsville, MN
- Canton, OH
- Centennial, CO
- Charlotte, NC
- Cherokee, IA
- Clinton, OK
- Clive, IA
- Coral Gables, FL
- Des Moines, IA
- Easton, PA
- Elk River, MN
- Fort Collins, CO
- Fountain Valley, CA
- Glandorf, OH
- Houston, TX
- Jacksonville, FL
- Jupiter, FL
- Laguna Hill, CA
- Lakeland, FL
- Lakewood, CO
- Lavale, MD
- Leawood, KS
- Lee Summit, MO
- Lincoln, NE
- Lynchburg, VA
- Matawan, NJ
- Miami, FL
- New Franklin, OH
- Newton Falls, OH
- Oneida, TN
- Orlando, FL
- Oro Valley, AZ
- Otsego, MN
- Overland Park, KS
- Palm Beach Gardens, FL
- Palm Desert, CA
- Pasadena, TX
- Peckville, PA
- Pryor, OK
- Richfield, OH
- Richmond, VA
- Rockford, IL
- Rocky Hill, CT
- Round Rock, TX
- San Ramon-Alajuela
- St. Petersburg, FL
- Stuart, IA
- Sun City Center, FL
- Tampa, FL
- The Villages, FL
- Urbandale, IA
- Vero Beach, FL
- Windsor Heights, IA
- York, PA

### Websites listed on Form ADV (Item 1.I)
- 401kmaneuver.com
- royalfundmanagement.com
- Facebook @401kManeuver
- Instagram @401kmaneuver
- Pinterest @401kmaneuver
- YouTube @UCvSNV8fhTazydaeJ0V1np3w

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $855,028,535 | 92 | September 22, 2021 |
| October 2022 | $1,108,634,596 | 90 | September 8, 2022 |
| October 2023 | $1,084,035,879 | 90 | September 14, 2023 |
| October 2024 | $1,361,849,417 | 93 | September 3, 2024 |
| October 2025 | $1,307,115,289 | 93 | July 25, 2025 |
| October 2026 | $1,557,484,260 | 93 | August 21, 2026 |

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.

## Changes in the filing (last 12 months)

### September 2026
- Changed its office addresses in Albuquerque, NM.

### August 2026
- Added the business name Link Wealth MGMT, LLC.

### 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.

### 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.

### March 2026
- Changed its office addresses in Pasadena, TX.

### February 2026
- Added an office in Charlotte, NC.

### 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.

### November 2025
- No longer lists the business name Budnick Wealth Management.
- No longer lists an office in Wilmington, NC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Royal Fund Management, LLC (CRD 144434): Form ADV filing data as of October 2026.