James Clifford
James Clifford is a registered investment advisor at Royal Fund Management, LLC, based in Brewer, ME, with 39 years of industry experience. James operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Estate Planning, Financial Planning & Coaching, High Net Worth, Insurance Planning, and 3 more. Their firm serves 4,966 clients with $1.6B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 2.00% |
| $100K - $1.0M | 1.50% |
| $1M+ | 1.25% |
Certain existing clients may be billed under a different fee schedule. An additional 0.25% is charged for the Dividend Enhancement Overlay Strategy. Accounts managed with option strategies have a different fee schedule: $100,000 - $250,000: 2.00%, $250,001 - $500,000: 1.75%, $500,001 and Above: 1.50%. Fees are negotiable.
Fee Estimator
Location
165 State St., Brewer, ME, 04412
Get directionsHistory
Regulatory History (1)
Regulatory
November 2006Other Business ActivitiesSells Insurance
James provides investment advisory services through Northpoint Financial LLC and owns Lifestyle Retirement Solutions LLC, where he provides insurances, including fixed annuities. James spends about half of his time devoted to insurance activities.
Employment History
Current Registrations
Royal Fund Management, LLC
Previous Registrations
American Elite Retirement
Resource Horizons Investment Advisory, INC.
Resource Horizons Group LLCBroker
Investors Capital Advisory
Eastern Point Advisors INC.
Investors Capital CORP.Broker
Intersecurities, INC.Broker
Aragon Financial Services, INC.Broker
C U Financial ServicesBroker
First American National Securities, INC.Broker
State Registrations2 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.