Big Rock Advisors LLC

Big Rock Advisors is a small, recently established registered investment adviser that provides discretionary asset management, retirement plan advisory (as either a limited-scope ERISA 3(21) adviser or a full 3(38) investment manager), and financial planning and consulting to individual investors and qualified retirement plans. The firm reports approximately $8.14 million in discretionary assets under management across a limited number of client relationships and generally applies a $500,000 account minimum that can be waived in certain cases.

Investment programs are tailored to each client’s stated goals, time horizon and risk tolerance using fundamental analysis, a mix of long- and short-term strategies, and ongoing portfolio monitoring with quarterly reviews and rebalancing as appropriate. For plan clients the firm documents excluded asset types (for example employer securities, non-publicly traded partnerships, and most real estate) and provides both advisory and participant education services under its ERISA engagements.

Distinctive features disclosed in the brochure include an affiliated insurance practice: a firm principal is a licensed insurance agent who offers insurance products and receives separate commissions (disclosed as a potential conflict of interest and mitigated by firm policies and fiduciary obligations). The firm also operates with a very small client base and staff—three advisors with substantial outside business activities for principals—which results in a boutique operating model that combines individual wealth management, plan-level fiduciary services, and fee arrangements disclosed separately.