R
Reef Advisors LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$36,650,000
Total clients
10
100% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
10
Average account size
$3,665,000
About
Reef Advisors provides investment advisory services to individuals, high‑net‑worth individuals, trusts, estates and other registered investment advisers, offering both discretionary and non‑discretionary portfolio management as well as sub‑advisory arrangements. Portfolios are typically constructed using individual stocks, individual bonds and exchange‑traded funds, with occasional use of mutual funds or limited partnerships when appropriate.
The firm follows a fundamental, generally long‑term investment approach, working with clients to set tailored asset allocations, construct customized portfolios and monitor holdings for fit and tax considerations; it also executes shorter‑term trades when rebalancing or meeting client cash needs. As of December 31, 2020 Reef Advisors reported approximately $35 million in assets under management, split roughly $18.5 million discretionary and $16.5 million non‑discretionary.
Distinctive features include a very small client base (ten clients) while also providing sub‑advisory services to other RIAs, and an institutional relationship with its custodian that supplies technology and other economic benefits. The firm is fee‑only, does not accept custody of client assets beyond authorized fee deductions, and maintains a Code of Ethics and personal‑trading policies intended to mitigate conflicts related to personal trading and custodian economic benefits.
Client services
Portfolio management
Fee options
Up to 1.00% annually for investment management services; up to 0.40% annually for sub-advisory services
Fee-only: Fees are solely based on assets under management; no commissions are charged.
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Reef Advisors LLC
Key Largo FL, United States
Number of offices
1
Forms ADV
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