A successful investment management program depends on a core philosophy coupled with a reliable structured process to execute on that philosophy. Without both components, a portfolio is like a ship without a rudder drifting at sea.

Our investment philosophy and process are driven by our investment committee’s collective experience and knowledge, developed over decades of investing through many market cycles. Our investment team defines our firm’s overall approach, regularly monitors markets and client portfolios and identifies both strategic and tactical opportunities for our clients. These principles form the foundation from which our investment services are delivered.

Risk Management
Our team does not swing for the fences. While some clients seek capital preservation and others emphasize growth, a focus on risk management is a core tenet of all of our portfolios. We believe that regardless of personal risk tolerance, “smoothing the ride” increases our clients’ chances of achieving their goals over the long term. We continually challenge the consensus view, look at new solutions with a skeptical but not dismissive eye and strive for the highest degree of prudence.

Access
Our extensive relationships, substantial scale and independence allow us to selectively access many of today’s most respected investment managers for effective investment solutions. We source investment solutions from some of the largest firms in the industry as well as smaller, niche providers that big firms typically can’t (or won’t) access, providing our clients with more complex, illiquid and private investments. Our clients have the opportunity to reap the benefits of the larger firm while working with a nimble, flexible boutique organization.

Flexibility
We are agnostic about what vehicles to use in portfolios, weighing cost, liquidity, tax efficiency, and investment merits as we seek the most effective solution for our clients. We believe the most effective portfolios are based on a hybrid approach that includes passive and active strategies, liquid and illiquid, and simple and complex investments, to help clients enjoy smoother relative performance through market cycles.

Intermediate-Term Perspective
Too many advisors fall into the long-term buy, hold and do nothing camp or overestimate their capabilities and trade too frequently. We focus on an intermediate-term time horizon by looking for opportunities and managing risk with a one to three-year perspective. We believe this strikes a good balance and increases our clients’ odds of success throughout volatile market cycles.

Transparency
Our only direct compensation for investment management services is our fee to advise our clients. This principle, along with Royal Management and Investment Consultancy’s absence of proprietary products, helps us minimize the potential for conflicts of interest. Our recommendations and investment selections are objective, allowing us to focus on our clients’ best interests, without the concern for the significant conflicts of interest found at other firms.

Personalization and Alignment
We take the time to gain a thorough understanding of a clients’ financial picture, including net worth, sources of income, goals, objectives, family dynamics and risk tolerance. We then collaborate with them to develop a specific strategy aligned with their needs, preferences and expectations. We analyze the current holdings and tax efficiency of their asset allocation and identify any constraints or family values that should be a component of their investment strategy—such as sustainable and impact investing.

Portfolio Design and Management
We clearly illustrate our recommended portfolio and discuss both risks and opportunities with each client. We also advise on the need to change a portfolio over time as we monitor the changes in market conditions and the global economy and identify new solutions. Consistent with our intermediate-term perspective, we typically recommend a handful of portfolio adjustments each year. The vast majority of our clients empower us to manage their portfolios with discretion. This allows us to act quickly and efficiently on their behalf as needs arise and frees them from some of the pressures of making complex investment decisions.

Communication
Unpleasant surprises, unmet expectations and a lack of confidence are all threats to long-term investment success. We communicate with our clients regularly through quarterly commentaries and research summaries and issue bulletins in periods of heightened volatility to keep clients informed of the markets and our perspectives. Our reporting tools help clients to easily understand how their portfolios are invested and performing—and we are always available to discuss strategies or answer questions.

Sustainable & Impact Investing
Many of our clients have a passion for making a difference in this world. We support their passion by balancing their social and financial missions in a results-oriented portfolio. While we believe many companies that incorporate environmental, social and governance (ESG) practices may perform better than average, not all will. The same is true of investment managers who invest using ESG factors — not all are exceptional. Our team rigorously researches the investments implemented in our client’s ESG portfolios using the same criteria and portfolio construction techniques used in our more traditional portfolios.

Business Loans
Conveniently expand your business operations, acquire new projects and grants with the aide of our business loan targeted at Business Owners. This one of a kind loan facility by Royal Management and Investment Consultancy ensures funds are allocated to fulfil those outstanding yet urgent projects. Be it long term or short term. The Royal Management and Investment Consultancy business loan facility is an interest rate friendly product which provides business owners the required sum needed to boost their company's growth without necessarily having them pull out capital from a pre-existing profit stream. Increase your business operations with the Royal Management and Investment Consultancy Business Loan!

Clients often engage us to effectively act as their family CFO. Even if a family business is not involved, the diverse interests of family members should ideally be managed cohesively as an enterprise focused on a core family philosophy.

Managing a family enterprise requires an in-depth understanding of the family’s goals and aspirations as well as a familiarity with the various professionals who support them. Often the wealth creator has defaulted to a CFO or general contractor role, trying to manage a group of professionals in a myriad of wealth-related and family governance activities. This person has become responsible for managing cash flow and budgeting, overseeing the investment strategies and advisor(s), working with the legal team and tax planners, and coordinating risk management and insurance. To coordinate such a comprehensive plan is often beyond the time or skills of any one person, and certainly extremely difficult if the running of a family business is involved. Royal Management and Investment Consultancy is structured to coordinate the integration of outside relationships with our internal teams. We quickly develop a rapport with other advisors and strive to create strong working relationships with them. This enables us to facilitate the coordination of the many elements of a family’s enterprise.

Financial Analysis
Successful family wealth management rests on fully understanding the financial implications of planning decisions. Our team will develop detailed models to let us analyze and stress test a variety of scenarios, ultimately allowing our clients to better assess the merits of their tactical decisions as well as to better plan long-term strategies.

Tax Planning
We often help our clients mitigate or minimize the tax burdens of their wealth management decisions through strategic planning and implementation. Our dedicated team of tax professionals can provide year-round advice that is fully integrated with the overall financial plan of the family enterprise. Additionally, our team is well versed in personal and business compliance matters to assist in meeting our clients’ filing requirements.

Estate Planning
Developing a successful estate plan calls for the integration of multiple disciplines. At Royal Management and Investment Consultancy, we bring together both internal and external resources to craft long-lasting, sustainable plans that take into account family goals as well as the coordination of legal, tax, business and governance issues. None of these aspects can be viewed in a vacuum, as they must be coordinated to align the estate plan with each client’s vision and values. At the same time, the plan must be flexible enough to change with not only a fluid tax environment but also the dynamics of a family’s situation.

Life insurance and Risk Management
Life insurance can be foundational to the successful implementation of wealth accumulation and transfer strategies. Our extensive experience in the design, implementation and monitoring of these plans spans over 35 years, and has impacted generations of clients. As a member of M Financial, we are part of a group of elite firms that benefit from a number of M Financial’s unique competitive advantages that inure to the benefit of our clients.

We pride ourselves on our specialized expertise in consumer products, healthcare and transportation & logistics. Royal Management and Investment Consultancy offers its clients an array of services, including:

• Corporate Finance
• Mergers & Acquisitions
• Capital Markets
• Financial Advisory Services
• Transaction Advisory Services
• Tax & Financial Reporting Valuations

Many of our clients have successfully built and managed a family business, often becoming their largest asset. We are frequently asked to advise our clients on how their company should position itself for the future. In addition, we provide our clients with strategic and tactical advice in the public and private sectors. We address the financial issues specific to each situation and provide practical advice to implement strategies that can lead to achieving a family’s goals.

Royal Management and Investment Consultancy experts have a long history of delivering retirement plan services to companies and their employees and can help navigate the complexities of corporate sponsored retirement plans. We have been advising clients on corporate sponsored investment plans since 1995. Since then, the Royal Management and Investment Consultancy team has developed a depth of experience, expertise and knowledge that we believe very few firms can equal. Today, we follow a comprehensive and effective approach that is distinguished by three fundamental qualities:

Independence
We establish relationships with a variety of leading providers across the retirement plan provider marketplace. Instead of being limited to a small portfolio of products or platforms, our clients can benefit by choosing the provider that best meets their needs from a diverse lineup including many of the industry’s most prominent brands. We work with leading retirement plan providers.

Expertise
To complement our highly personalized process, knowledge and experience, Royal Management and Investment Consultancy also offers our clients:

• Comprehensive plan design and implementation services developed through years of hands-on experience
• Sophisticated alternatives, including 3(21) and 3(38) fiduciary services, defined benefit carve outs; cash balance plans and many other customizable retirement plan features
• Objective proprietary research provided by our in-house investment group with extensive asset allocation, mutual fund and investment management experience
• Third-party research to help with plan menu selection and monitoring
• A customer service model that gives plan participants access to Certified Financial Planners

Our combination of a highly personalized process, in-house knowledge and independence allows us to deliver effective retirement plan services for plans with $5 million to $500 million in assets. We can also offer meaningful advice to start up plans with a contribution rate of $500,000 per year or more.

Our skilled team at Royal Management and Investment Consultancy helps our clients resolve complex tax issues and provides sound practical advice so they can evaluate the tax consequences of their financial and business transactions. We also provide a platform to assist them with all of their personal or business compliance requirements in a timely and efficient manner.

By providing compliance services, we learn more about our clients which allows us to assist them with:

• General tax, accounting and business matters.
• Analysis of agreements for tax and business ramifications.
• Changes in legislation, recognizing opportunities and mitigating potentially detrimental effects.

We carefully evaluate the specific needs, skills, expertise and aspirations of each client to assemble a client team we believe is best suited to assist them in pursuit of their goals. Clients receive personal attention from their dedicated team members and, depending on their needs, the direct involvement of Royal Management and Investment Consultancy’s senior management team—a commitment that larger firms often can’t make.

Our team members offer a blend of experience, talent and diverse disciplines while sharing a commitment to intellectual integrity, expertise and excellence — working hard to earn and keep our clients’ trust through generations. Royal Management and Investment Consultancy continues to deliver this level of service by attracting and retaining highly qualified professionals who all share a desire to provide effective, practical advice.