The Atlas Financial Group

Flow Focus LLC, doing business as The Atlas Financial Group, is a Florida-based limited liability company founded on November 12, 2019, by Cristina Montiel. The firm offers fee-based investment advisory services, focusing on providing knowledgeable and top-quality professional advice to clients of all types, including institutions, companies, individuals, and retirees. The firm's core values include establishing a personal relationship with clients to better understand their financial needs. The Atlas Financial Group manages model portfolios on a discretionary or non-discretionary basis, utilizing three levels of analysis: macroeconomic, fundamental, and technical. The firm emphasizes diversification, risk avoidance, and careful selection of investments to achieve long-term returns. Investment strategies may include various securities, mutual funds, hedge funds, and options. The firm charges asset-based fees ranging from 0.50% to 2% annually, depending on the client's assets under management. The firm's principal, Luis Alayo-Riera, holds various securities licenses and has over 20 years of experience in the financial industry. The firm's investment manager and principal, Mr. Alayo-Riera, is a Certified Retirement Management Advisor and fluent in Spanish and English. The firm's services include investment management, retirement planning, business consulting, and corporate services. Clients have a minimum account requirement of $500,000, with the advisor having discretion over investment decisions. The firm does not maintain custody of client securities and does not vote on client proxies. The firm has not been subject to disciplinary actions, and the advisor, Mr. Alayo-Riera, has a clean regulatory record. The firm's Code of Ethics ensures ethical conduct and governs personal trading by employees. The firm's brokerage practices focus on best execution, order aggregation, and soft-dollar arrangements. Clients' accounts are monitored regularly, and the firm provides quarterly statements. The firm may engage in solicitor agreements for client referrals and does not maintain custody of client assets. The firm may receive additional compensation from outside business activities.