# Michael Troy

> Michael Troy is a fee-only financial advisor at Red Reef Advisors in Chapel Hill, North Carolina, who holds the CFP credential. Red Reef Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-troy/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Red Reef Advisors
- **Based in:** Chapel Hill, North Carolina
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $135.0M across 323 accounts
- **Credentials:** CFP
- **Works with:** Founders, Retirees, Pre-retirees
- **CRD:** 5480064 (https://adviserinfo.sec.gov/individual/summary/5480064)
- **SEC registration:** Investment adviser representative in NC
- **Exams passed:** Series 65 (2013)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://www.redreefadvisors.com

## Frequently asked questions

### Is Michael Troy a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Michael holds no broker registration, and Red Reef Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Michael charge for financial advice?

Michael's firm, Red Reef Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Michael Troy based?

Michael Troy is based in Chapel Hill, North Carolina.

### What credentials does Michael Troy hold?

Michael Troy holds the CFP credential.

### Is Michael Troy registered with the SEC?

Yes. Michael Troy is registered as an investment adviser representative in NC (CRD 5480064), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Red Reef Advisors manage?

Red Reef Advisors reports $135.0M across 323 accounts in assets under management.

### How do I contact Michael Troy?

Through Michael's website, www.redreefadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5480064): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.redreefadvisors.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.