Independent fee-only wealth management firm, serving clients primarily in Chapel Hill-Durham NC and Bedford-Manchester NH. As an independent fee-only firm we only have YOUR interests in mind and not the interest of a bank or broker-dealer. Investment Management services are provided in-house and not delegated to a 3rd party. Phil 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 and lower volatility when compared with most buy-and-hold investment strategies.