Meet your Liberty Capital Management Financial Services Team
We help clients gain clarity of their financial situation and align their portfolio with their goals and values.
We do this through comprehensive, integrated financial planning and Investment management.
Our goal is to be your trusted advisor.
Jonathan "Rob" Royal CFP® CKA® Financial Advisor
Karina Nummedal, Client Services Manager
The Story of Rob Royal Liberty Capital Management
I started my practice with Liberty Capital Management in 2017 when God used the theft of a book of business by my “regional manager” to move me into a better situation.
God has much to say about money and possessions, some 2350 verses.
HIS word is always right, always relevant, and never changes. Its timeless principals work for anyone regardless of their faith or spiritual journey. I decided to build a business that incorporates HIS wisdom independent of the solution the corporate manager wants.
As in the parable of the talents, my wish is for clients and myself to hear “Well done, good and faithful servant.” I believe that God owns it all and we are stewards.
As a steward, I treat my fiduciary responsibility very seriously and am called to operate in an orderly fashion. 1 Corinthians 14:40-ESV “But all things should be done decently and in order.”
The business is now based upon timeless Biblical Principals and uses strategies that can benefit my clients. The business focuses on Stewardship and financial planning as described in scripture. “Any enterprise is built by wise planning, becomes strong through common sense, and profits wonderfully by keeping abreast of the facts.” Proverbs 24:3-4 Living Bible (TLB)
For many years I have been engaged in a monthly Kingdom Advisors study group that included a couple of advisors from Liberty Capital Management. While remaining independent businesses they owned their building and pooled resources like facilities and HR functions. By moving to Liberty Capital Management, I have my independence, yet utilize the facilities of Liberty Capital Management including hiring staff with 401k and healthcare through their HR support.
Our goal is to help the client gain clarity of their situation, understand their challenges, build, and monitor an appropriate portfolio for their situation.
We use a tool, “eMoney”, which helps me to document and display to the client their big picture. When we have clarity of the big picture, the decision-making process can be much easier.
It can also provide clients some peace of mind, knowing that their situation has been and will continue to be monitored and reviewed as time and their lives change, and allows us to quantify their ability to support causes that are important to them.
As your steward I believe in regular communication and follow up.
Every client is on a follow up schedule. We call, email, and SMS Text message as required to communicate with you. Our meeting calendar is available for clients to schedule meetings at their convenience.
We use screen-sharing tools to communicate clearly and ensure that clients have access to view their accounts and monitor our status.
I believe that we have responsibility as to how our resources are used. Are there companies or types of companies with beliefs and practices that we should avoid or seek to engage? We utilize several investment managers that employ a Christian Worldview and values in their portfolios. Not surprisingly companies that treat their constituents well, often have positive results.
Most Portfolios are managed from our discretionary model portfolios.
Quarterly (or as required) I update my Model Portfolio Analytical Reflections based upon the various financial sources I follow.
I keep a current investments notebook with all investments owned by a model or client grouped by categories. This aids in decision making about investments within the category.
The discretionary model portfolios are adjusted according to the reflections. Those models are then reviewed by 3 portfolio analytic tools and compared to each other for consistency.
Then client accounts are adjusted per the model with the various client specific adjustments incorporated in the trading application.
Finally, I document my thoughts and produce a short video of my thinking within compliance rules.
By having a clearly defined and documented investment process, portfolio dispersion can be reduced, confidence can be increased, and more time is available for focusing on client's return on life.