# Royal Oak Financial Group

> Royal Oak Financial Group is an SEC-registered investment advisory firm in Worthington, OH, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 31, 2026.

- CRD: 166391
- Filed as: ROYAL OAK FINANCIAL GROUP
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Worthington, OH
- Filing period: October 2026
- Form ADV filing dated: August 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/166391
- AdvisorCensus page: https://advisorcensus.com/firm/royal-oak-financial-group-worthington-oh-166391

## Quick answers

**How is Royal Oak Financial Group compensated?**
On its Form ADV (Item 5.E, October 2026), Royal Oak Financial Group reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Royal Oak Financial Group charge?**
Its Form ADV Part 2A brochure dated February 19, 2026 states: Hourly rate: $300 an hour. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Royal Oak Financial Group located?**
Royal Oak Financial Group's principal office is in Worthington, OH, according to its Form ADV; the September 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Royal Oak Financial Group registered with the SEC or a state?**
Royal Oak Financial Group is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 166391.

**How much does Royal Oak Financial Group manage?**
Royal Oak Financial Group reports $415,817,000 in regulatory assets under management in its Form ADV filing dated August 31, 2026 (100% discretionary).

**How have Royal Oak Financial Group's assets and staff changed since 2022?**
In the Form ADV data for Royal Oak Financial Group: Regulatory assets under management: $115,000,000 in the October 2022 data and $415,817,000 in the October 2026 data, up 262%. Total employees: 2 in October 2022 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Royal Oak Financial Group serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (275); high net worth individuals (137).

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

**Does Royal Oak Financial Group report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/166391

**Does Royal Oak Financial Group state an account minimum?**
Its Form ADV Part 2A brochure dated February 19, 2026 says: "There is no account minimum."

**What changed in Royal Oak Financial Group's recent Form ADV filings?**
In the September 2026 filing data: Regulatory assets under management went from $366,039,317 to $415,817,000 (+14%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated February 19, 2026)

- Account minimum: None

> There is no account minimum.

- Hourly rate: $300 an hour

> Depending upon the complexity of the situation and the needs of the client, the hourly fee for these services is $300.

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.
- Interactive Brokers LLC

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: $415,817,000
- Discretionary: $415,817,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 275 | $121,564,000 |
| High net worth individuals | 137 | $294,253,000 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2021 (4 years)
- Employees: 1 total, 0 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, OH
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- Lancaster, OH

### Websites listed on Form ADV (Item 1.I)
- royaloakfinancialgroup.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $115,000,000 | 2 | May 24, 2022 |
| October 2023 | $105,000,000 | 3 | January 11, 2023 |
| October 2024 | $171,000,000 | 3 | July 5, 2024 |
| October 2025 | $263,000,000 | 1 | July 3, 2025 |
| October 2026 | $415,817,000 | 1 | August 31, 2026 |

Regulatory assets under management: $115,000,000 in the October 2022 data and $415,817,000 in the October 2026 data, up 262%.
Total employees: 2 in October 2022 and 1 in October 2026.

## Changes in the filing (last 12 months)

### September 2026
- Regulatory assets under management went from $366,039,317 to $415,817,000 (+14%).

### March 2026
- Regulatory assets under management went from $263,000,000 to $366,039,317 (+39%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Royal Oak Financial Group (CRD 166391): Form ADV filing data as of October 2026.