{"url":"https://nivawealth.com/firms/royal-oak-financial-group-166391","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/166391","regulatoryAum":415817000,"crd":"166391","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7673577","suffix":null,"lastName":"Billings","firstName":"Grant","middleName":"McIntyre"},{"crd":"4864985","suffix":null,"lastName":"JEHN","firstName":"MATTHEW","middleName":"MARTIN"},{"crd":"4687944","suffix":null,"lastName":"Senita","firstName":"Bradley","middleName":"Stephen"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-05-24","regulatoryAum":115000000,"clients":161,"employees":2,"offices":2},{"filedOn":"2023-01-11","regulatoryAum":105000000,"clients":215,"employees":3,"offices":2},{"filedOn":"2024-07-05","regulatoryAum":171000000,"clients":265,"employees":3,"offices":2},{"filedOn":"2025-07-03","regulatoryAum":263000000,"clients":339,"employees":1,"offices":2},{"filedOn":"2026-08-31","regulatoryAum":415817000,"clients":412,"employees":1,"offices":2}],"secFileNumber":"801-122701","legalName":"Royal Oak Financial Group","displayName":"Royal Oak Financial Group","slug":"royal-oak-financial-group-166391","website":"https://royaloakfinancialgroup.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/166391/64678329c5a0586c-r1.webp","tone":"light","width":768,"height":200,"sourceUrl":"https://www.royaloakfinancialgroup.com/","sourceLabel":"Royal OAK Financial Group, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2004","organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"5858 High Street","city":"Worthington","state":"OH","stateName":"Ohio","country":"United States","postalCode":"43085"},"tradeNames":[],"registration":{"secApproved":"29 November 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1009264.5631067961,"staff":{"employees":1,"advisory":0,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":415817000,"discretionary":415817000,"discretionaryAccounts":412,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":275,"regulatoryAum":121564000},{"label":"High-net-worth individuals","clients":137,"regulatoryAum":294253000}],"feePrograms":[{"role":"main","program":"Investment Supervisory Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010265","versionId":1010265,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-19","documentName":"ADV PART 2A","fee_rate_low":0.5,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Hourly Financial Planning","summary":"Financial planning is charged at an hourly fee of $300, negotiable, and paid in arrears upon completion.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010265","versionId":1010265,"submittedOn":"2026-02-19","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:48:01.970075+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010265","versionId":1010265,"submittedOn":"2026-02-19"}]},"custodians":[{"name":"Interactive Brokers LLC","shortName":"Interactive Brokers","location":"Greenwich, CT","smaAssets":363476000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":52341000}],"custodyNote":"Royal Oak Financial Group has custody of $416M for 412 clients.","otherCustodians":[],"leadership":[{"name":"Matthew Jehn","title":"Managing Member - CCO","crd":"4864985"}],"ownership":[{"label":"Matthew Jehn","detail":"Managing member - cco in the 75% or more ownership band and a control person, since December 2012."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":2,"addresses":[{"street":"5858 High Street","city":"Worthington","headquarters":true},{"street":"123 S Broad St Ste 238","city":"Lancaster"}]}],"brochureServices":["education planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"614-842-6090","stateRegisteredReps":0,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":100}],"privateFunds":0},"sources":{"adv1FilingDate":"31 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/166391/PDF/166391.pdf","brochureDate":"19 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010265","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Royal Oak Financial Group have?","answer":"Royal Oak Financial Group has 412 clients and manages $416 million for them, as of August 2026. They include 275 individual clients and 137 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Royal Oak Financial Group offer?","answer":"Royal Oak Financial Group provides financial planning, portfolio management for individuals and small businesses, education planning, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Royal Oak Financial Group charge?","answer":"Royal Oak Financial Group charges 0.50%–2.00% a year for its Investment Supervisory Services. The fee is billed in arrears and is negotiable.","source":"ADV PART 2A, filed 19 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Royal Oak Financial Group use?","answer":"Royal Oak Financial Group’s separately managed account assets are held at Interactive Brokers LLC (Greenwich, CT), with $363M and Charles Schwab & Co., Inc. (Westlake, TX), with $52.3M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Royal Oak Financial Group have?","answer":"Royal Oak Financial Group has 0 investment adviser representatives registered with state securities authorities, out of 1 employees, and 0 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Royal Oak Financial Group invest in?","answer":"At the end of its last fiscal year, Royal Oak Financial Group’s separately managed accounts held 100% exchange-traded equities.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Royal Oak Financial Group?","answer":"Royal Oak Financial Group’s direct owner is Matthew Jehn (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Royal Oak Financial Group get paid?","answer":"Royal Oak Financial Group is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Royal Oak Financial Group?","answer":"Royal Oak Financial Group’s main office is at 5858 High Street, Worthington, OH 43085. Its phone number is 614-842-6090. Its website is royaloakfinancialgroup.com.","source":"Form ADV Part 1A, Item 1.F, filed 31 August 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}