Royal Oak Financial Group
Royal Oak Financial Group is a privately-held fiduciary financial advisory firm in central Ohio, founded in 2002, that provides estate, tax, investment, and Social Security planning to individuals, families, and small to mid-size business owners from its Worthington and Lancaster offices.
- Company typePrivate
- Founded2002
- HeadquartersWorthington, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Royal Oak Financial Group does
Royal Oak Financial Group is a privately-held fiduciary financial advisory firm headquartered in Worthington, Ohio, founded in 2002 by Certified Financial Planner Matthew M. Jehn. The firm delivers a full-service financial planning offering to individuals, families, pre-retirees/retirees, and small to mid-size business owners in central Ohio, organized around four core service lines: Estate Planning, Individual Tax Planning, Investment Management, and Income & Social Security Planning. Service delivery is relationship-driven and high-touch, conducted in person at its Worthington and Lancaster offices, by phone, and through a secure web portal (emaplan/wealth.emaplan.com) that provides 24/7 access to tax planning and preparation files. The team is intentionally cross-functional for a firm of its size, comprising a CFP-credentialed founder, a retirement specialist, a CPA, an in-house attorney, a bookkeeper, an office manager, and a social media coordinator, with legal and accounting professionals engaged as needed for complex planning.
The firm's intellectual property is concentrated in a proprietary planning methodology called "The Balanced Formula," which integrates risk tolerance, debt management, tax planning, philanthropic intent, day-to-day expenses, and retirement goals into a single adaptive financial plan that evolves with client circumstances. On the technology side, the firm relies on Interactive Brokers as the primary custodian and trading platform for client assets and on a branded web portal for tax document exchange; it does not operate a public or partner-facing API, mobile app, or proprietary investment platform. The "As Featured In" media placements (CNBC, Fox Business, U.S. News & World Report, Money Magazine, Financial Advisor IQ) and the visible CFP and CPA credentials are used as core trust signals.
Royal Oak generates revenue through two parallel client-paid models: a fee-based planning track (subscription/recurring) covering comprehensive financial advice, and a commission-based track (transaction fee) covering insurance products (health, life, long-term care, disability), annuities, and other investment products. A separate professional-services stream captures tax preparation and filing fees delivered by the in-house CPA, and investment management fees are charged as recurring advisory fees on managed portfolios. The go-to-market motion is sales-led and local: enterprise-style in-person field advisory, supported by top-of-funnel content marketing (blog, video library, FAQ), email newsletter, and organic social media on Instagram, Facebook, and X. The firm has no subsidiaries, no disclosed funding rounds, no M&A activity, and no parent company, and operates solely within central Ohio (Worthington, Lancaster, Dublin, New Albany, Upper Arlington, Powell).
Royal Oak Financial Group firmographics
Firmographics- Name
- Royal Oak Financial Group
- Legal name
- Royal Oak Financial Group
- Website
- https://royaloakfinancialgroup.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Royal Oak Financial Group is a privately-held fiduciary financial advisory firm in central Ohio, founded in 2002, that provides estate, tax, investment, and Social Security planning to individuals, families, and small to mid-size business owners from its Worthington and Lancaster offices.
- Ownership category
- akta.pro rank
Royal Oak Financial Group industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (52592)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Estate Planning & Trust Structuring Advisory (FSAEAKAC)
- akta.pro secondary industries
- Estate & Legacy Planning Advisory (FSAEAAAG), Estate Planning, Trust Structuring & Governance (FSAAADAF), Family Business & Succession Advisory (FSAAADAL)
Keywords
Where Royal Oak Financial Group is headquartered
LocationHeadquarters
- HQ city
- Worthington
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Royal Oak Financial Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Fee-Based Financial Planning: Clients can choose fee-based planning services where they pay for comprehensive financial advice and planning services.
- Commission-Based Services: Clients can opt for commission-based services where advisors earn commissions on financial products sold such as annuities, insurance products (health, life, long-term care, disability), and other investment products.
- Tax Preparation and Filing Services: CPA-certified tax accountants provide year-round tax planning and preparation services for individuals with complex tax situations and small business owners.
- Investment Management Fees: Advisory fees for managing client investment portfolios, including education on investment vehicles, recommendation of appropriate investment strategies, and ongoing portfolio review and adjustment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Not disclosed | Fee-Based Planning - Client pays for financial planning services based on services and planning complexity |
| Transaction based/ take rate | Not disclosed | Commission-Based - Client pays through commissions on financial products sold |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Royal Oak Financial Group product offering
Product offeringCore offering
Royal Oak Financial Group is a fiduciary financial advisory firm in central Ohio that provides estate planning, individual tax planning, investment management, and income/Social Security planning services to individuals, families, and small to mid-size business owners. The firm delivers these services individually or as an integrated plan through its proprietary "Balanced Formula" methodology, supported by CFP-certified advisors and CPA-certified tax specialists, with the option for clients to choose fee-based or commission-based compensation.
Product overview
Royal Oak Financial Group is a full-service financial advisory firm in Columbus, Ohio offering a comprehensive suite of financial planning services. Their core service offerings include Estate Planning, Individual Tax Planning, Investment Management, and Income & Social Security Planning, which can be delivered individually or as an integrated package through their proprietary methodology called 'The Balanced Formula.' The firm also provides insurance products and accountant services as complementary add-on offerings. Their team includes certified professionals (CFP, CPA) and retirement specialists who deliver services through direct client-advisor relationships, supplemented by educational content resources including a blog and video library. The firm serves individuals, families, and small to mid-size business owners across central Ohio communities.
Differentiator
Problem solved
Functional benefit
Products and services
- Estate Planning Comprehensive estate planning services including wills, trusts, asset protection, long-term care planning, nursing home care, special needs/disability assistance, and elder law issues to protect wealth and loved ones for individuals and families in central Ohio.
- Individual Tax Planning
- Investment Management
- Income & Social Security Planning
- The Balanced Formula
- Insurance Products
- Accountant Services for Small to Mid-Size Businesses
Companies that use Royal Oak Financial Group
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Royal Oak Financial Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Royal Oak Financial Group partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered supporting.
- Attorneys (Legal Partners)supportingRoyal Oak Financial Group works with a team of respected legal professionals who advocate for clients and help determine the best estate planning and financial plans.
- AccountantssupportingTrusted accountants help meet client financial goals and accommodate specific financial circumstances as part of the comprehensive planning approach.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Royal Oak Financial Group competitors and assessment
Company assessmentBroad incumbents
- Carson Group: RIA platform supporting independent financial advisors with planning, investment, and coaching infrastructure. Comparable to Royal Oak in advisor-led fiduciary delivery, with a focus on advisor scaling, succession, and back-office support.
- Edelman Financial Engines: One of the largest independent RIAs in the U.S., combining financial planning with investment management and retirement income strategies. Comparable to Royal Oak on integrated retirement/income planning but offers both advisor-led and digital channels at scale.
- Creative Planning: Large national RIA delivering comprehensive wealth management including estate, tax, retirement, and investment planning. Operates in the same fiduciary, planning-driven lane as Royal Oak but at national scale with significantly broader service capacity and geographic reach.
- Fisher Investments: Large independent investment management firm serving high-net-worth individuals with portfolio management and financial planning. Comparable in offering investment management and retirement planning but operates as a much larger asset manager with global reach.
Direct peers
- Wescott Financial Advisory Group: Fiduciary, fee-only RIA offering financial planning, investment management, and tax coordination for individuals and families. Highly comparable to Royal Oak in service mix (estate, tax, retirement) and fiduciary business model, with similar boutique positioning.
- Buckingham Strategic Wealth: National fee-only fiduciary RIA providing integrated financial planning, investment management, and tax-aware advice. Directly comparable to Royal Oak in fiduciary positioning and holistic planning orientation, but operating at much greater scale across multiple U.S. cities.
Emerging players
- Facet Wealth: Digital-first financial planning firm delivering flat-fee advice across the U.S. Comparable to Royal Oak on the planning-led fiduciary model and cross-state service model, but differentiates through technology-enabled delivery rather than in-person offices.
Others
- Interactive Brokers: Registered broker-dealer and electronic trading platform that serves as Royal Oak's asset custodian. Comparable as the underlying trading/custody infrastructure for the firm's investment management offering.
- Charles Schwab Advisor Services: Custodial and technology platform for independent RIAs; Royal Oak already references a Schwab relationship. Comparable as a back-office and distribution enabler for small RIAs and as a competitor via Schwab Intelligent Portfolios.
Regional players
- Marquette Associates: Independent investment consulting and advisory firm headquartered in the Midwest. Comparable in fiduciary, fee-based philosophy and Midwest footprint, though more institutional in client mix.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Royal Oak Financial Group social profiles
Digital presenceRoyal Oak Financial Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Royal Oak Financial Group leadership team
Management profileNumber of profiles
Profiles4 records
Royal Oak Financial Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Royal Oak Financial Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Royal Oak Financial Group
What does Royal Oak Financial Group do?
Royal Oak Financial Group is a fiduciary financial advisory firm in central Ohio that provides estate planning, individual tax planning, investment management, and income/Social Security planning services to individuals, families, and small to mid-size business owners. The firm delivers these services individually or as an integrated plan through its proprietary "Balanced Formula" methodology, supported by CFP-certified advisors and CPA-certified tax specialists, with the option for clients to choose fee-based or commission-based compensation.
Is Royal Oak Financial Group a public or private company?
Royal Oak Financial Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Royal Oak Financial Group founded?
Royal Oak Financial Group was founded in 2002. It employs 1 to 10 people.
Where is Royal Oak Financial Group based?
Royal Oak Financial Group is headquartered in Worthington, United States, in the North America region.
How does Royal Oak Financial Group make money?
Four revenue lines are on record. Fee-Based Financial Planning is the primary driver. The others are commission-Based Services, tax Preparation and Filing Services and investment Management Fees.
Who are Royal Oak Financial Group's main competitors?
Broad incumbents on record are Carson Group, Edelman Financial Engines, Creative Planning and Fisher Investments. Direct peers are Wescott Financial Advisory Group and Buckingham Strategic Wealth. Facet Wealth is listed as an emerging player. Others are Interactive Brokers and Charles Schwab Advisor Services. Marquette Associates is listed as a regional player.
Does Royal Oak Financial Group have an API?
No public API is recorded for Royal Oak Financial Group.
What industry is Royal Oak Financial Group in?
Royal Oak Financial Group's product category is Financial Advisory Services. Its primary akta.pro industry code is FSAEAKAC, Estate Planning & Trust Structuring Advisory, with a secondary code of FSAEAAAG, Estate & Legacy Planning Advisory. Its NAICS code is 523940 and its SIC code is 6282.