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Red Reef Advisors LLC

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Client assets under management

$119,827,029

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Clients

87

49% high-net worth

Advisors

3

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

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Clients per advisor

29

Low

Average account size

$1,377,322

About

Red Reef Advisors serves individuals and high‑net‑worth clients as well as retirement and pension plans, trusts, estates, business entities, charitable foundations and private corporations. The firm offers discretionary and non‑discretionary portfolio management, financial planning (included for clients meeting its managed‑asset threshold or available standalone), consulting/monitoring, and qualified ERISA plan consulting, and it may retain outside advisers or SMA managers to implement client mandates.

The firm’s investment process starts with a client‑specific Investment Policy Statement and strategic asset‑allocation framework that guides security selection and ongoing monitoring, and Red Reef typically seeks discretionary authority to implement portfolios. It uses a mix of analytical methods — including fundamental, technical, charting, cyclical and quantitative analysis — and employs a broad range of instruments (mutual funds, ETFs, fixed income, REITs, private funds and placements, commodities, options, margin and short sales), with opportunistic rebalancing available for plan models.

Noteworthy features relative to peers include explicit use of alternative and private‑market vehicles (private equity, hedge funds, venture capital and private placements) alongside active trading techniques such as short selling, margin and options, which are less common for similarly sized supported firms. The firm also provides ERISA 3(38) investment manager options, selects and monitors third‑party managers (with separate manager fees), recently transitioned to SEC registration and discloses limited custody arrangements involving third‑party standing letters of authorization; it further states that clients may not impose investment restrictions based on personal values or beliefs.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Financial planning fixed fees ranging between $1,500 and $15,000 for one-time plans; consulting fixed fees between $1,500 and $50,000 annually

Percentage

Up to 2% annually (negotiable, client-by-client basis)

Project-based

Hourly financial planning fees between $150 and $500 per hour

Other

Account minimum: $500,000 Fee-only: Fixed fees for financial planning ranging from $1,500 to $50,000; hourly fees between $150 and $500 per hour

Main office location

Red Reef Advisors LLC

150 E Palmetto Park Rd, Ste 800

Boca Raton FL 33432, United States

Number of offices

2

Most active in

More info

Florida · New York · North Carolina · Pennsylvania

Disclosures

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Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 561-400-3285

Advisors at this firm

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user avatar

Lorianne C

Series 63, Series 65

Boca Raton, FL

Red Reef Advisors LLC

Lorianne Cordoba is an advisor with Red Reef Advisors LLC, holding Series 63 and Series 65 licenses. She has been with Red Reef Advisors since 2023 and also works as a licensed realtor involved in residential sales and leases. Red Reef Advisors serves individual clients, including high-net-worth households, as well as retirement plans, trusts, estates, and business entities. The firm offers portfolio management, financial planning, and retirement plan consulting, using a blend of analytical methods and a broad investment mandate that includes complex and alternative products.

Wealth management Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting Founder/Business Owner Retired
user avatar

Michael T

CFP®, Series 65

Chapel Hill, NC

Red Reef Advisors LLC

Michael Troy is a CFP® with 12 years of industry experience, currently serving at Red Reef Advisors LLC since 2016. Prior to this, he worked at Dwm Advisors, LLC for two years. Outside of his advisory role, he holds an ownership interest in Troy Enterprises, a North Carolina S-Corp, where he provides operational and strategic advice to the controlling shareholder. Red Reef Advisors serves individual clients, including high-net-worth households, as well as retirement plans, trusts, estates, and business entities, offering portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that includes fundamental, technical, and quantitative analysis, utilizing strategies ranging from long-term buy-and-hold to alternatives such as hedge funds and private equity.

Wealth management Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting Founder/Business Owner Retired
user avatar

Jesse C

CFP®, Series 63

Boca Raton, FL

Red Reef Advisors LLC

Jesse Cordoba is a CFP® with 29 years of industry experience, currently serving as an advisor at Red Reef Advisors LLC since 2015. He has also been self-employed since 2013. Based in Boca Raton, FL, Mr. Cordoba holds a Series 63 license. Red Reef Advisors serves individual clients, including high-net-worth households, as well as retirement plans, trusts, estates, and business entities. The firm offers portfolio management, financial planning, and retirement plan consulting utilizing a diverse investment approach that incorporates fundamental, technical, quantitative, and modern portfolio theory analyses, along with a broad range of strategies and alternative investments.

Wealth management Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting Founder/Business Owner Retired
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