Naples, FL Office

Black Coral Financial Advisors provides comprehensive financial counseling and investment advisory services primarily to high-net-worth individuals and related entities, as well as to corporate and employer-sponsored programs. Services described in the brochure include individualized financial plans, retirement and estate planning support, investment account management (discretionary and nondiscretionary), and employer-focused financial education programs and seminars.

The firm constructs individualized asset allocations and monitors accounts using portfolio management teams and model portfolios that incorporate taxable and municipal fixed income, equities, mutual funds and ETFs, and may recommend third‑party managers. Black Coral uses institutional custody and platform arrangements with Fidelity and Charles Schwab to provide execution, reporting and administrative support while rebalancing and reviewing client allocations at least annually.

Distinctive elements noted in the brochure include a formal role coordinating with outside accounting and technical specialists (Black Coral arranges introductions to third‑party accounting services rather than providing accounting advice directly), an ongoing practice of delivering customized employer seminars and workshops, and affiliated insurance distribution activity through licensed advisors acting as agents or sub‑producers. The firm also manages roughly $504,382,000 in client assets across a relatively small client base (88 clients), reflecting a concentrated, high‑net‑worth client focus and a mix of third‑party discretionary and non‑discretionary management relationships.