Coral Reef Advisors LLC

Coral Reef Advisors is a fee-based registered investment adviser that provides discretionary, custom portfolio management to individuals, high-net-worth individuals, trusts, estates, and business entities. As of December 31, 2025 the firm reported approximately $79.8 million in discretionary assets under management across a small client base and two advisors.

The firm typically implements a tactical allocation strategy intended to reduce risk and improve performance, using both fundamental and technical analysis and techniques that include long- and short-term purchases and option writing. Coral Reef may employ exchange-listed and over-the-counter securities, corporate and municipal debt, mutual funds, and variable life and annuity products, and it tailors portfolios to client objectives while allowing client-imposed investment restrictions.

A notable feature of the firm is that some investment advisor representatives are also registered representatives of a FINRA-registered broker-dealer and are licensed insurance agents, and therefore may effect commissionable securities and insurance transactions; the brochure discloses these affiliations and the firm’s Code of Ethics and disclosure practices to address the resulting conflicts of interest. Compared with many peers, Coral Reef combines a relatively concentrated AUM per client with these broker-dealer and insurance affiliations and an explicit use of variable insurance products and option strategies, which the firm identifies as areas requiring client disclosure and choice.