{"url":"https://nivawealth.com/firms/flow-focus-306849","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/306849","regulatoryAum":174921971,"crd":"306849","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7172328","suffix":null,"lastName":"Alayo","firstName":"Cristina","middleName":"Isabel"},{"crd":"2678703","suffix":null,"lastName":"ALAYO RIERA","firstName":"LUIS","middleName":"JACOB"},{"crd":"3132750","suffix":null,"lastName":"RIPICH","firstName":"PETER","middleName":"THOMAS"}],"total":3,"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":"2023-06-27","regulatoryAum":184345014,"clients":61,"employees":3,"offices":1},{"filedOn":"2024-03-13","regulatoryAum":187675129,"clients":58,"employees":3,"offices":1},{"filedOn":"2025-03-25","regulatoryAum":163156765,"clients":54,"employees":4,"offices":1},{"filedOn":"2026-03-25","regulatoryAum":174921971,"clients":71,"employees":4,"offices":1}],"secFileNumber":"801-128415","legalName":"Flow Focus LLC","displayName":"Flow Focus","slug":"flow-focus-306849","website":"https://theatlasfinancialgroup.com/","classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_wealth_manager","typeLabel":"OCIO / institutional wealth","feeDisclosure":"payment_only"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"3050 Biscayne Boulevard, Suite 501","city":"Miami","state":"FL","stateName":"Florida","country":"United States","postalCode":"33137"},"tradeNames":[],"registration":{"secApproved":"27 July 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":515291.7536231884,"staff":{"employees":4,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":174921971,"discretionary":33279951,"discretionaryAccounts":67,"nonDiscretionary":141642020,"nonDiscretionaryAccounts":4,"wrapProgram":null,"nonUsClientsPct":28,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":35,"regulatoryAum":6169714},{"label":"High-net-worth individuals","clients":34,"regulatoryAum":29385417},{"label":"Banking or thrift institutions","clients":1,"regulatoryAum":138676308},{"label":"Corporations and other businesses","clients":1,"regulatoryAum":690532}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Stonex Financial Inc.","shortName":"Stonex Financial","location":"Winter Park, FL","smaAssets":70000000}],"custodyNote":"Flow Focus does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Luis Alayo Riera","title":"Director & Principal","crd":"2678703"},{"name":"Cristina Montiel","title":"Managing Director / CCO","crd":"7172328"}],"ownership":[{"label":"Cristina Montiel","detail":"Managing director / cco in the 75% or more ownership band and a control person, since November 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"3050 Biscayne Boulevard, Suite 501","city":"Miami","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"786-233-6233","stateRegisteredReps":2,"otherAdviserReps":1,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":13},{"label":"Investment grade corporate bonds","percent":8},{"label":"Securities issued by registered investment companies or business development companies","percent":77},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/306849/PDF/306849.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Flow Focus have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Flow Focus offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Flow Focus use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Flow Focus have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Flow Focus invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Flow Focus?","answer":"Flow Focus’ direct owner is Cristina Montiel (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Flow Focus get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Flow Focus?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 25 March 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."}