Rivertree Advisors provides financial planning and portfolio management for individuals and small businesses.
Rivertree Advisors reports 103 clients. They include 80 individual clients and 23 high-net-worth individuals. Of its assets, 99.7% ($184M across 334 accounts) are managed with discretion; $637K across 8 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 78% | 17% |
| High-net-worth individuals | 22% | 83% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 80 | $30.6M | 16.6% | $382K |
| High-net-worth individuals | 23 | $154M | 83.4% | $6.69M |
| Total | 103 | $184M | 100% | $1.79M |
- Clients
- 80
- Regulatory AUM
- $30.6M
- AUM share
- 16.6%
- Avg. per client
- $382K
- Clients
- 23
- Regulatory AUM
- $154M
- AUM share
- 83.4%
- Avg. per client
- $6.69M
Total
- Clients
- 103
- Regulatory AUM
- $184M
- AUM share
- 100%
- Avg. per client
- $1.79M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Rivertree Advisors charges 0.25%–1.20% a year for its Investment Management Fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.20% |
| $1M–$3M | 0.95% |
| $3M–$5M | 0.75% |
| $5M–$10M | 0.55% |
| $10M–$20M | 0.35% |
| $20M and above | 0.25% |
Fee details and sources
Other fees
- Financial Planning and Consulting
- Stand-alone financial planning and consulting are billed hourly at $250 to $500, or as fixed fees from $2,500 to $25,000.
Theodore Rich owns 75% or more of Rivertree Advisors. The leadership team of Rivertree Advisors includes President Theodore Rich. It has 3 employees, 1 of them in advisory roles.
Leadership
- Theodore RichPresident/Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Rivertree Advisors, LLC
Theodore Rich
Control person · since January 2013
Rivertree Advisors’ regulatory assets grew from $162M (March 2021) to $184M (March 2026); clients rose from 84 to 103 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $184M | 103 | 3 | 1 |
| Mar 2025March 2025 | $177M | 108 | 3 | 1 |
| Mar 2024March 2024 | $169M | 100 | 3 | 2 |
| Mar 2023March 2023 | $162M | 92 | 3 | 2 |
| Mar 2022March 2022 | $175M | 86 | 3 | 2 |
| Mar 2021March 2021 | $162M | 84 | 3 | 2 |
Besides its headquarters, Rivertree Advisors has 0 offices, with 1 listed address in 1 state.
Florida · 1 listed address
- 941 West Morse Boulevard, Suite 100, Winter ParkHQ
Contact and registration details
- Legal name
- Rivertree Advisors, LLC
- Headquarters
- 941 West Morse Boulevard, Suite 100, Winter Park, FL 32789-3781
- Website
- rivertree.co
- Phone
- 407-599-1104
- @16187425
- SEC file
- 801-78200
- Structure
- Florida LLC
- Fiscal year end
- December
Rivertree Advisors’ named custodian for separately managed accounts is Raymond James ($165M). Rivertree Advisors has custody of $2.2M for 6 clients.
- Raymond JamesRaymond James & Associates, Inc. · St. Petersburg, FL · $165M100%
At year end, Rivertree Advisors’ separately managed accounts were mostly in stocks (89%). Its reported 13F holdings for the quarter ended 30 June 2026 total $169M across 72 positions; the largest are Janus Detroit Str TR (6.9%), Simplify Exchange Traded Fun (4.7%) and First TR Exchange-traded FD (4.4%).
What the accounts hold
- Stocks89%
- Funds9%
- Registered funds5%
- Pooled vehicles4%
- Cash2%
Reported 13F holdings
- $169M
- Reported 13F value
- 72
- Positions
- 43.9%
- In the 10 largest
- +7.2%
- Value vs. prior quarter
- Janus Detroit Str TR · Hendrson Aaa CL6.9%
- Simplify Exchange Traded Fun · Treasury Opt Inc.4.7%
- First TR Exchange-traded FD · Cap Strength ETF4.4%
- Neos ETF Trust · Neos S&P 500 HI4.3%
- First TR Exchng Traded FD VI · FT Vest Nasd ETF4.3%
- Amplify ETF TR · Cwp Enhanced Div4.2%
- First TR Exchng Traded FD VI · FT Ladd Buff ETF4.1%
- First TR Exchange-traded FD · Fst Low Oppt Eft3.8%
- First TR Exchange-traded FD · Growth Strength3.7%
- First TR Exchange Traded FD · Buywrit Incm ETF3.6%
Together, the ten largest are 43.9% of reported value.
How many clients does Rivertree Advisors have?
Rivertree Advisors has 103 clients and manages $184 million for them, as of March 2026. They include 80 individual clients and 23 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Rivertree Advisors offer?
Rivertree Advisors provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Rivertree Advisors charge?
Rivertree Advisors charges 0.25%–1.20% a year for its Investment Management Fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Source: RIVERTREE ADVISORS, LLC DISCLOSURE BROCHURE, filed 24 March 2026
Which custodians does Rivertree Advisors use?
Rivertree Advisors’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $165M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Rivertree Advisors have?
Rivertree Advisors has 2 investment adviser representatives registered with state securities authorities, out of 3 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 Rivertree Advisors invest in?
At the end of its last fiscal year, Rivertree Advisors’ separately managed accounts held 89% exchange-traded equities, 5% registered funds (mutual funds, ETFs, BDCs), 4% pooled vehicles (private funds and similar) 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 Rivertree Advisors?
Rivertree Advisors’ direct owner is Theodore Rich (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Rivertree Advisors get paid?
Rivertree Advisors is paid through a percentage of assets under management. 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 Rivertree Advisors?
Rivertree Advisors’ main office is at 941 West Morse Boulevard, Suite 100, Winter Park, FL 32789-3781. Its phone number is 407-599-1104. Its website is rivertree.co.