Our advisory team knows the importance of communication and will talk to all Platinum Clients at least monthly with face-to-face meetings at least each quarter. Our 4th quarter meeting also provides you with a valuable year-end tax strategy meeting. We realize that affluent investors can lead very busy lives. Since we have limits on the number of clients our advisors can service, we have the ability to meet with you at your home, at your office, or at our offices.

Limited Client Base means Special Attention

Royal American Financial Advisors has made the commitment to service a maximum of 40 Platinum Plus Clients per advisor … so you can be assured you will receive excellent service. More importantly, this allows us to spend much more time monitoring your specific investments.

Investment Research & Solicitor Screening Services

Affluent Investors are constantly bombarded with “Hot Stock Tips” or other “interesting” investment opportunities. When that happens … one call to your advisor team at Royal American starts a research process designed to get you the details on those potential investments … before you invest! This saves you precious time. In addition, we have access to research data bases that would cost an individual investor thousands of dollars each year.

Our company spends thousands of dollars and countless hours each year on investment research helping answer client questions regarding quality of investments as well appropriate buy/sell strategies to maximize performance. In addition, our research capabilities enable us to better diversify client portfolios with quality products that you just won’t find at stockbrokers or other advisors.

You can subscribe to several of the investment tracking services on your own (at the cost of thousands of dollars per year), and then closely watch for clues as to what you should do next … or you can simply call your advisor team at Royal American Financial Advisors.

When you get another one of those pesky investment solicitations … just tell them to “call your investment advisor” and allow us to ask the kind of questions to adequately assess risk and/or opportunities presented. Disreputable telemarketers or solicitors simply move on to their next phone call (or victim) and won’t bother you again. This service helps our clients to avoid investment fraud and/or missed opportunities.

No-Commission Bond Research & Purchases

With Platinum clients our incentive is to get you the products you need. As your advisor we have the entire bond market at our fingertips.

No-Load & Load-Waived Mutual Funds … A Real Money Saver!

Royal American Financial Advisors, LLC flat fee accounts provide the flexibility to change investments when you need to. Avoid being locked into poor performing mutual funds just because you paid up-front commission or have a hefty deferred sales charge hanging over your head. You should never be in a position where you are penalized for improving your portfolio! This is one of the many reasons that affluent investors who consistently use professional advisors generally outperform the do-it-yourself (go it on their own) style of investors.

Multi Generational Beneficiary Planning

Secure your wealth for future generations and provide a legacy for your family. Effective multi-generational beneficiary planning enables you to control your children’s and grandchildren’s inheritance and even provide them a monthly income long after you are gone. Royal American has the expertise to help you make the right decisions.

Variable Annuity Monitoring Service

If you feel as if you were abandoned by your stockbroker after purchasing your variable annuity … our Platinum Plus service may be just what you need. Are you wondering which funds to choose or want to know if you have chosen the right funds in the first place? It is very common to be abandoned after a broker receives his commission. Now he needs to find someone else so that he can make more money. At Royal American, we can make sure that you are in the best funds and that the mix of funds is allocated for your specific circumstances. If by chance your broker is still helping you, we can act as a third party to periodically review recommendations he makes.

Rebates on Fixed Annuities and Life Insurance Purchases

When the purchase of a fixed or equity–indexed annuity is appropriate, we search the nation for the best rates, bonus and terms! Commission rebates on fixed/index annuities purchased in California can put thousands of extra dollars into your pocket … money that usually goes directly to the insurance agent. Yes we can legally do this on new purchases and 1035 transfers from existing annuities! We can help you negotiate a rebate from your current insurance agent, or if you are comfortable that there is no conflict of interest, you may purchase it through Royal American Insurance Services, LLC and receive a 50% rebate of commissions.

Multiple Advisor Monitoring Services

Royal American Financial Advisors recognizes that many affluent investors work with multiple advisors. Research by CEG Worldwide has shown that the average number of advisors per investor increases right along with investable assets. Clients with $1 million to $5 million have an average of 2.9 advisors each, while those with $5 million to $10 million have 3.4 each and those with $10 million plus in investable assets have on average 5.7 advisors. In addition, fully three fourths of affluent investors rate most of their advisors as “fair” or “poor.” How does an affluent investor make sure all of his advisors are really working in his/her best interest? One way is to allow Royal American to monitor your other advisors making sure you do not have investment duplications, to eliminate stock overlap, and to offer checks and balances making sure you are getting good advice. Affluent investors need this service precisely because they typically work with more than one advisor. This service alone can be well worth our low flat fee.

Home & Car Insurance Shopping Service

Ever year we are glad to help you make sure that you are not overpaying on your home or automobile insurance. What is the rating of your insurance carrier? How do they rank compared to their piers? Since we do not offer property & casualty insurance, our only goal is to find you the best rates and coverage, saving you both time and money.

Bank CD Rate Search Services

When you need to invest or reinvest in a bank CD, let us search our national database for the best rates. As an added convenience, we can often arrange for local banks to prepare needed paperwork in advance. Many of affluent investors have hundreds of thousands of dollars in CDs and this service alone can put real money in your pocket each year. Earning an extra ½% on $500,000 in CD’s and money market could potentially put an extra $2,500 per year in your pocket.

Travel Services

With this Platinum Plus Concierge Service you can make sure you get the very best deal on travel related expenses. Let our staff research the best airfares, best rental cars, best cruises, best yacht rentals, best vacation packages and even best local limousines. Additional resources and affiliate relationships are being considered every month.

Reminder Services

If you have ever forgotten an important anniversary or birthday, you will really appreciate this concierge service. Once your important dates are entered into our confidential database, we do our best to make sure you never miss an important date again. We have even sent flowers for clients that couldn’t get to the florist … a real relationship saver!

The Royal American Advantage

Even superior portfolios will encounter turbulence from time to time. The environment is often one of constant temptation and noise from the media providing many competing siren songs that must be ignored. Our job as an investment advisor is to be part educator and part consultant … helping our clients understand where they are, where they want to go, and what their options are to get there.

Your advisor needs to be responsive and be someone you can trust. When choosing an advisor to manage your financial affairs we know that you are seeking more than advice. You want a firm with a personal approach to building wealth and a vision for the future.

Our Mission is to have the reputation as a Trusted Knowledgeable advisor that understands the varied needs of our affluent clients, that helps to protect, their portfolio, but also their families, their businesses and their future financial security. An Advisor that is responsive and available.

If you are in a commission based relationship with your stock broker, there will always be that little question in the back of your mind, “Is this really in my best interest?”, no matter how much you trust or like your broker. Such is the nature of a commissioned based relationship. A commissioned stockbroker simply must generate transactions in order to make money.

Because Royal American Platinum Advisory Accounts are flat fee programs, when we call you with any recommendation, you can feel confident that it is made in your best interest. We trade as little or as often as necessary to keep you in the best available investments. When you do business with Royal American Financial Advisors, you enjoy access to a comprehensive range of investment vehicles that are just not available at other financial institutions, plus the peace of mind that comes from knowing that your advisor is committed to bringing you the best strategies.

Since 70% of American adults use the Internet on a regular basis (Gartner Group) and millionaires are 30% more likely than other consumer groups to go online (Forrester Research), Royal American uses eMail to supplement phone calls and face-to-face meetings. We believe that working with an Investment Advisor is about staying in touch with a professional who is your expert – always there to provide information and advice in keeping with your financial situation, market conditions and tax concerns. After all … you worked hard to build your wealth, shouldn’t somebody be in your corner to help you keep it? Call or e-Mail Royal American Financial Advisors today!

THE PLATINUM PLUS FEE SCHEDULE

(PlatinumPlus Advisory Services Fee Schedule Effective 11/20/2006)

Designed to be one of the Most Cost Effective Affluent Programs available
Simple - No Hidden Fees - No Long Term Contracts - Real Value

$500,000 to $1,000,000 Portfolios: