# Red Reef Advisors LLC

> Red Reef Advisors LLC is an SEC-registered investment advisory firm in Boca Raton, FL, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 16, 2026.

- CRD: 174748
- Filed as: RED REEF ADVISORS LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Boca Raton, FL
- Filing period: October 2026
- Form ADV filing dated: July 16, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/174748
- AdvisorCensus page: https://advisorcensus.com/firm/red-reef-advisors-llc-boca-raton-fl-174748

## Quick answers

**How is Red Reef Advisors LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Red Reef Advisors LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Red Reef Advisors LLC charge?**
Its Form ADV Part 2A brochure dated March 26, 2026 states: Flat fee: $1,500 to $50,000 a year (Consulting services); Flat fee: $1,500 to $15,000 (one-time, customized financial plan); Hourly rate: $150 to $500 an hour. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Red Reef Advisors LLC located?**
Red Reef Advisors LLC's principal office is in Boca Raton, FL, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Red Reef Advisors LLC registered with the SEC or a state?**
Red Reef Advisors LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 174748.

**How much does Red Reef Advisors LLC manage?**
Red Reef Advisors LLC reports $134,974,430 in regulatory assets under management in its Form ADV filing dated July 16, 2026 (89% discretionary).

**How have Red Reef Advisors LLC's assets and staff changed since 2025?**
In the Form ADV data for Red Reef Advisors LLC: Regulatory assets under management: $125,493,916 in the October 2025 data and $134,974,430 in the October 2026 data, up 8%. Total employees: 3 in October 2025 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Red Reef Advisors LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (44); high net worth individuals (43); pension and profit sharing plans (but not the plan participants or government pension plans) (2).

**Which custodians does Red Reef Advisors LLC use?**
Red Reef Advisors LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Red Reef Advisors LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/174748

**What changed in Red Reef Advisors LLC's recent Form ADV filings?**
In the April 2026 filing data: Registered or notice-filed in NY, PA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 26, 2026)

- Flat fee: $1,500 to $50,000 a year (Consulting services)

> At our discretion, we may enter into an engagement with a client to charge a fixed fee ranging between $1,500 and $50,000 annually, as opposed to an asset-based fee.

- Flat fee: $1,500 to $15,000 (one-time, customized financial plan)

> However, fees are generally charged on a fixed fee basis ranging between $1,500 and $15,000 depending on the breadth of services provided, the complexity of the client’s situation, and the advisory representative providing services to the client.

- Hourly rate: $150 to $500 an hour

> In addition, Red Reef Advisors may negotiate hourly fee s for these services is between $ 150 and $500 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $134,974,430
- Discretionary: $120,296,354
- Non-discretionary: $14,678,076

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 44 | $15,921,815 |
| High net worth individuals | 43 | $103,905,214 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 2 | $14,678,076 |
| Charitable organizations | 2 | $469,325 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2025 (1 year)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, NC, NY, PA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Chapel Hill, NC

### Websites listed on Form ADV (Item 1.I)
- redreefadvisors.com
- LinkedIn @red-reef-advisors-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $125,493,916 | 3 | June 17, 2025 |
| October 2026 | $134,974,430 | 3 | July 16, 2026 |

Regulatory assets under management: $125,493,916 in the October 2025 data and $134,974,430 in the October 2026 data, up 8%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Registered or notice-filed in NY, PA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Red Reef Advisors LLC (CRD 174748): Form ADV filing data as of October 2026.