{"url":"https://nivawealth.com/firms/american-financial-advisors-108530","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/108530","regulatoryAum":1279425880,"crd":"108530","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2625560","suffix":null,"lastName":"BOYCE","firstName":"MATTHEW","middleName":"JOHN"},{"crd":"6476761","suffix":null,"lastName":"BRAS","firstName":"ALEXANDER","middleName":"JAN"},{"crd":"7150887","suffix":null,"lastName":"Bras","firstName":"Andrew","middleName":"Markus"},{"crd":"5328159","suffix":null,"lastName":"BRAS","firstName":"MARK","middleName":"JAN"},{"crd":"5615824","suffix":null,"lastName":"CABLE","firstName":"JAMES","middleName":"ROBERT"},{"crd":"2717949","suffix":null,"lastName":"MERTES","firstName":"WILLIAM","middleName":"ANDREW"}],"total":6,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-02-25","regulatoryAum":635027053,"clients":656,"employees":6,"offices":3},{"filedOn":"2022-06-03","regulatoryAum":732898362,"clients":667,"employees":6,"offices":3},{"filedOn":"2023-02-17","regulatoryAum":725689661,"clients":702,"employees":6,"offices":3},{"filedOn":"2024-07-02","regulatoryAum":887197372,"clients":731,"employees":9,"offices":3},{"filedOn":"2025-05-30","regulatoryAum":1043473812,"clients":763,"employees":9,"offices":3},{"filedOn":"2026-02-10","regulatoryAum":1279425880,"clients":799,"employees":8,"offices":3}],"secFileNumber":"801-56857","legalName":"American Financial Advisors Inc","displayName":"American Financial Advisors","slug":"american-financial-advisors-108530","website":"https://americanfinancialadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/american-financial-advisors-inc-?trk=tyah","founded":"1989","organization":"Florida corporation","fiscalYearEnd":"December","headquarters":{"street":"1031 W Morse BLVD., Ste. 110","city":"Winter Park","state":"FL","stateName":"Florida","country":"United States","postalCode":"32789"},"tradeNames":[],"registration":{"secApproved":"27 September 1999","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1601283.9549436795,"staff":{"employees":8,"advisory":8,"brokerDealerReps":0,"insuranceAgents":1,"promoters":1},"aum":{"regulatory":1279425880,"discretionary":0,"discretionaryAccounts":0,"nonDiscretionary":1279425880,"nonDiscretionaryAccounts":1765,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":56},"clientTypes":[{"label":"Individuals (other than HNW)","clients":378,"regulatoryAum":205959015},{"label":"High-net-worth individuals","clients":421,"regulatoryAum":1073466865}],"feePrograms":[{"role":"main","program":"Asset Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060963","versionId":1060963,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-10-13","documentName":"ADV 2A","fee_rate_low":0.58,"fee_rate_high":1.08,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"Fixed plan fees range from $325 to $5,000, and hourly fees are $325 for professional services and $175 for staff time; fees are negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060963","versionId":1060963,"submittedOn":"2026-10-13","documentName":"ADV 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T04:09:36.04441+00:00","documents":[{"name":"ADV 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060963","versionId":1060963,"submittedOn":"2026-10-13"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":1279425880}],"custodyNote":"American Financial Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Matthew Boyce","title":"President, CFO","crd":"2625560"},{"name":"Karen Torres","title":"Chief Compliance Officer","crd":"5156024"},{"name":"William Mertes","title":"CIO","crd":"2717949"}],"ownership":[{"label":"Matthew Boyce","detail":"President, cfo in the 50% to 75% ownership band and a control person, since January 2020."},{"label":"William Mertes","detail":"Cio in the 50% to 75% ownership band and a control person, since January 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":2},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"1031 W Morse BLVD., Ste. 110","city":"Winter Park","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","retirement plan services"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"407-207-9006","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"51-100","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":100}],"privateFunds":0},"sources":{"adv1FilingDate":"10 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/108530/PDF/108530.pdf","brochureDate":"13 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060963","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does American Financial Advisors have?","answer":"American Financial Advisors has 799 clients and manages $1.28 billion for them, as of February 2026. They include 421 high-net-worth individuals and 378 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 10 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does American Financial Advisors offer?","answer":"American Financial Advisors provides financial planning, portfolio management for individuals and small businesses, educational seminars, education planning, estate planning, insurance, and retirement plan services.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does American Financial Advisors charge?","answer":"American Financial Advisors charges 0.58%–1.08% a year for its Asset Management Services. The fee is billed in advance and is negotiable.","source":"ADV 2A, filed 13 October 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does American Financial Advisors use?","answer":"American Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $1.28B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does American Financial Advisors have?","answer":"American Financial Advisors has 6 investment adviser representatives registered with state securities authorities, out of 8 employees, and 8 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does American Financial Advisors invest in?","answer":"At the end of its last fiscal year, American Financial Advisors’ separately managed accounts held 100% registered funds (mutual funds, ETFs, BDCs).","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns American Financial Advisors?","answer":"American Financial Advisors’ direct owners are Matthew Boyce (50% to 75%) and William Mertes (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 10 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does American Financial Advisors get paid?","answer":"American Financial Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact American Financial Advisors?","answer":"American Financial Advisors’ main office is at 1031 W Morse BLVD., Ste. 110, Winter Park, FL 32789. Its phone number is 407-207-9006. Its website is americanfinancialadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 10 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}