Independent fee-only wealth management firm, serving clients primarily in North Carolina and New Hampshire and does business in several other states. As an independent fee-only firm we only have YOUR interests in mind. Investment Management services are proactive and provided in-house and not delegated to a 3rd party like many other firms. Philip Royal, CFP, specializes in investment management and he can show you how he manages his clients' wealth in ways designed to outperform in up-trending markets and protect your wealth in down-trending markets. Achieving this with lower risk when compared with most buy-and-hold investment strategies.