Reef Advisors LLC

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.