Herbert Robert Franco

Employer firm

Regal Investment Advisors LLC CRD 125004

$2.88B regulatory AUM 61 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers
• Educational seminars

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 04/2015 → 02/2020
  Prudential Insurance Company Of America
  Honolulu, HI
• 06/2015 → 02/2020
  Pruco Securities, Llc
  Honolulu, HI
• 02/2022 → 07/2023
  Regulus Financial Group, Llc
  Eagle Mountain, UT
• 03/2018 → 09/2023
  Uber
  San Francisco, CA
• 09/2023 → 11/2024
  Fidelity Investments
  Salt Lake City, UT
• 06/2024 → 11/2024
  Fidelity Personal And Workplace Advisors
  Salt Lake City, UT
• 09/2023 → 11/2024
  Fidelity Brokerage Services Llc
  Salt Lake City, UT
• 03/2025 → 06/2026
  Mml Investors Services, Llc
  Lehi, UT
• 12/2020 → 01/2022
  Massmutual Life Insurance Co
  Lehi, UT
• 10/2024 → 06/2026
  Massmutual Life Insurance Co
  Lehi, UT
• 06/2023 → 08/2023
  Utah Transit Authority
  Salt Lake City, UT
• 12/2022 → 07/2023
  Amazon
  Salt Lake City, UT
• 09/2021 → 09/2023
  Instacart
  San Francisco, CA
• 03/2018 → 09/2023
  Lyft
  San Francisco, CA
• 02/2016 → 06/2020
  Hawaii Department Of Education / Waianae High School
  Waianae, HI
• 02/2022 → 10/2024
  Mass Mutual Life Insurance Co.
  Lehi, UT
• 12/2022 → 12/2022
  United Parcel Service
  Salt Lake City, UT
• 06/2026 → Present
  Regulus Financial Group
  Kentwood, MI
• 06/2026 → Present
  Regal Investment Advisors
  Kentwood, MI
• 05/2025 → Present
  Instacart
  San Francisco, CA
• 05/2025 → Present
  Uber
  San Francisco, CA
• 12/2025 → Present
  Doordash
  San Francisco, CA
• 04/2026 → Present
  Spark
  Bentonville, AR
• 05/2026 → Present
  Dlivrd
  Horsham, PA
• 08/2026 → Present
  Red Star Transportation
  Salt Lake City, UT
• 06/2025 → Present
  Amazon
  Salt Lake City, UT
• 08/2026 → Present
  Salt Lake Express
  Salt Lake City, UT

Previous Registrations

• 2025-03-21 → 2025-11-28
  Mml Investors Services, Llc
  Eagle Mountain, UT
  Lehi, UT
• 2024-06-29 → 2024-11-06
  Fidelity Personal And Workplace Advisors
  Salt Lake City, UT
  Eagle Mountain, UT

Other Businesses

1) NAME: HERBERT FRANCO INV REL: Y ADD: 3661 E Barton Court Eagle Mountain, UT 84005 NATURE: OUTSIDE INSURANCE SALES POSITION: INSURANCE BROKER START DATE: 03/04/2025 NO. HR/MO:1 NO. HR/MO DURING SEC TRADING: 1 DUTIES: LIFE, DI, LTC, FIXED ANNUITIES AND HEALTH 2) Business Name: Instacart - Investment Related: No - Address: 50 Beale Street #600 San Francisco, CA 94105 - Nature of Business: Grocery Delivery - Title or Relationship: Delivery Driver/Shopper - Start Date: 5/15/2025 - Hours per month: 2 - Hours per month during trading hours: 1 - Duties: Shopping for groceries and delivering items 3) Business Name: Uber Eats - Investment Related: No - Address: 1725 3rd Street San Francisco, CA 94158 - Nature of Business: Food Delivery - Title or Relationship: Delivery Driver - Start Date: 5/15/2025 - Hours per month: 2 - Hours per month during trading hours: 1 - Duties: Delivering ordered food from various restaurants and stores 4) Business Name: DoorDash - Investment Related: No - Address: 303 2nd Street South Tower Suite 800 San Francisco, CA 94107 - Nature of Business: Food Delivery - Title or Relationship: Delivery Driver - Start Date: 12/5/2025 - Hours per month: 2 - Hours per month during trading hours: 30minutes - Duties: Delivering ordered food from various restaurants and local merchants 5) Business Name: Spark (Walmart Spark/Delivery Drivers Inc/Walmart Inc) - Investment Related: No - Address: 702 S.W. 8th Street Bentonville, AR 72716 - Nature of Business: Retail/Grocery delivery - Title or Relationship: Delivery Driver - Start Date: 4/27/2026 - Hours per month: 16 - Hours per month during trading hours: 8 - Duties: Picking up and delivering retail and grocery orders 6) Business Name: Expedite (DLIVRD) - Investment Related: No - Address: 300 Welsh Road Suite 100 Horsham, PA 19044 - Nature of Business: Catering - Title or Relationship: Catering Delivery Driver - Start Date: 5/15/2026 - Hours per month: 6 - Hours per month during trading hours: 6 - Duties: Transporting and delivering catering and food orders 7) NAME: AMAZON INV REL: N ADD: 346 E 1600 S AMERICAN FORK, UT 84003 NATURE: WAREHOUSE ASSOCIATE POSITION: WAREHOUSE ASSOCIATE START DATE: 6/1/2025 NO. HR/MO: 25 NO. HR/MO DURING SEC TRADING: 6 DUTIES: ASSIST IN WAREHOUSE FOR FULLFILLMENT OF ORDERS AND PREPARING AND STAGING ORDERS FOR DELIVERY TO CUSTOMERS 8) Business Name: Red Star Transportation; Investment Related: No; Address: 2233 N Warm Springs Drive, Salt Lake City, Utah; Nature of Business: Commercial Bus Driving; Position: Commercial Bus Driver; Start date: 8/6/2026; Hours per month: 40; Hours per month during trading hours: 8; Duties: Commercial bus driving for charter bus company 9) Business Name: Salt Lake Express; Investment Related: No; Address: 300 S 600 W, Salt Lake City, Utah; Nature of Business: Commercial Bus Driving; Position: Commercial Bus Driver; Start date: 8/31/2026; Hours per month: 40; Hours per month during trading hours: 8; Duties: Commercial bus driving for bus company

Exams

• S66 Uniform Combined State Law Examination
  2024-05-23
• S63 Uniform Securities Agent State Law Examination
  2015-07-08

Other Names

• Hapaki Robert Franco
• Hapaki Franco
• Herbert Robert Franco
• Herbert Robert Franco
• Hapaki Franco
• Herbert Robert Franco
• Herbert Franco
• Herbert R Franco