RegFi USA, LLC is an online-only registered investment advisor that delivers all advisory services through its digital platform. RegFi USA specializes in a fully automated, discretionary yield strategy built around long box spreads on the S&P 500 Index. Instead of picking individual stocks, RegFi USA uses options strategies designed to capture returns that track short-term U.S. Treasury yields, supplemented by short-duration U.S. Treasury instruments or exchange-traded funds used for cash management. Depending on suitability and account type, eligible taxable accounts may run the strategy with leverage, while retirement accounts and accounts that do not qualify run the unlevered version. RegFi USA requires all client assets to be held at a partner brokerage firm. RegFi USA does not offer traditional financial planning, tax preparation, or estate planning services, focusing entirely on automated portfolio management.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.90% |
| $2.0M - $3.0M | 0.80% |
| $3.0M - $4.0M | 0.70% |
| $4.0M - $5.0M | 0.60% |
| $5M+ | 0.50% |
Fees are billed quarterly in arrears based on the average daily value. Firm notes certain client relationships involve performance-based fees of 20% of annual appreciation alongside standard advisory arrangements.