Flow Focus provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 1–10 clients last fiscal year.
Flow Focus reports 71 clients. They include 35 individual clients, 34 high-net-worth individuals and 1 banking or thrift institution. Of its assets, 19.0% ($33.3M across 67 accounts) are managed with discretion; $142M across 4 accounts are not. Of its clients, 28% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 49% | 4% |
| High-net-worth individuals | 48% | 17% |
| Banking or thrift institutions | 1% | 79% |
| Corporations and other businesses | 1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 35 | $6.17M | 3.5% | $176K |
| High-net-worth individuals | 34 | $29.4M | 16.8% | $864K |
| Banking or thrift institutions | 1 | $139M | 79.3% | $139M |
| Corporations and other businesses | 1 | $691K | 0.4% | $691K |
| Total | 71 | $175M | 100% | $2.46M |
- Clients
- 35
- Regulatory AUM
- $6.17M
- AUM share
- 3.5%
- Avg. per client
- $176K
- Clients
- 34
- Regulatory AUM
- $29.4M
- AUM share
- 16.8%
- Avg. per client
- $864K
- Clients
- 1
- Regulatory AUM
- $139M
- AUM share
- 79.3%
- Avg. per client
- $139M
- Clients
- 1
- Regulatory AUM
- $691K
- AUM share
- 0.4%
- Avg. per client
- $691K
Total
- Clients
- 71
- Regulatory AUM
- $175M
- AUM share
- 100%
- Avg. per client
- $2.46M
- Clients outside the U.S.
- 28%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Flow Focus is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation; its fees and minimums are set out in its brochures on the SEC website.
Cristina Montiel owns 75% or more of Flow Focus. It has 4 employees, 1 of them in advisory roles.
Leadership
- Luis Alayo RieraDirector & Principal
- Cristina MontielManaging Director / CCO
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
- Cristina Isabel Alayo
- Luis Jacob Alayo Riera
- Peter Thomas Ripich
Staff
- 4 employees
- 1 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Flow Focus LLC
Cristina Montiel
Control person · since November 2019
Flow Focus’ regulatory assets fell from $184M (June 2023) to $175M (March 2026); clients rose from 61 to 71 and employees from 3 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $175M | 71 | 4 | 1 |
| March 2025 | $163M | 54 | 4 | 1 |
| March 2024 | $188M | 58 | 3 | 1 |
| June 2023 | $184M | 61 | 3 | 1 |
Besides its headquarters, Flow Focus has 0 offices, with 1 listed address in Florida.
Florida · 1 listed address
- 3050 Biscayne Boulevard, Suite 501, MiamiHQ
Contact and registration details
- Legal name
- Flow Focus LLC
- Headquarters
- 3050 Biscayne Boulevard, Suite 501, Miami, FL 33137
- Website
- theatlasfinancialgroup.com
- Phone
- 786-233-6233
- SEC file
- 801-128415
- Structure
- Florida LLC
- Fiscal year end
- December
Flow Focus uses Stonex Financial ($70M) as custodian for its separately managed accounts. Flow Focus does not have custody of client assets.
- Stonex FinancialStonex Financial Inc. · Winter Park, FL · $70M100%
At year end, Flow Focus’ separately managed accounts were mostly in funds (77%) and stocks (13%).
What the accounts hold
- Stocks13%
- Funds77%
- Bonds8%
- Cash2%
How many clients does Flow Focus have?
Flow Focus has 71 clients and manages $175 million for them, as of March 2026. They include 35 individual clients, 34 high-net-worth individuals and 1 banking or thrift institution.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026
What services does Flow Focus offer?
Flow Focus provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Flow Focus use?
Flow Focus’ separately managed account assets are held at Stonex Financial Inc. (Winter Park, FL), with $70M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026
How many financial advisors does Flow Focus have?
Flow Focus has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Flow Focus invest in?
At the end of its last fiscal year, Flow Focus’ separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 13% exchange-traded equities, 8% investment grade corporate bonds and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Flow Focus?
Flow Focus’ direct owner is Cristina Montiel (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 March 2026
How does Flow Focus get paid?
Flow Focus is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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
How do I contact Flow Focus?
Flow Focus’ main office is at 3050 Biscayne Boulevard, Suite 501, Miami, FL 33137. Its phone number is 786-233-6233. Its website is theatlasfinancialgroup.com.