Broker Check

Personal Financial Planning

We focus on advising clients on all financial issues that would effect an investor at any stage in their life.

  • Investment Management
  • Retirement Planning*
  • Estate Planning*
  • Insurance and Risk Management
  • Tax Strategies
  • Pension Plans

Investment Management

Brian Ratcliff is an Investment Adviser Representative. While there are many financial professionals to select from, Investment Advisers Representatives are fiduciaries for advisory business under the Investment Advisors Act of 1940. A fiduciary is required to act in the best interest of the client. This requires a specific type of securities registration that not all investment professionals have. RFSI clients have access to fee only asset based non "transaction driven" compensation arrangements including institutional mutual funds that are not normally available to the general public.

Services include:

  • Economy based research and market analysis based on independent non-biased sources
  • Consideration given to all aspects of investing with a financial planning perspective
  • Personalized portfolio management system
  • Active management of each account
  • Risk assessment with personalized asset allocation recommended for each client

Retirement Planning*

We help individuals plan for retirement and manage the portfolio in retirement. We re-position client portfolios to help produce current or future income while maintaining their risk tolerance requirements and capital appreciation goals. We also assist clients with analyzing appropriate beneficiary designations. We assist in the calculations to comply with the minimum distribution rules for qualified plans and IRAs at the IRS current age threshold of 70.5 years.

Services include:

  • Retirement Income Analysis
  • Retirement Savings Analysis
  • Asset Allocation and Investment Analysis
  • Income Tax Analysis**

Estate Planning*

Our goals are the maximization of wealth transfer to your loved ones, proper facilitation of philanthropic giving and responsible fulfillment of any business succession or transition strategies. We can help provide a extensive review of all wills, trusts and powers of attorney to assure professional stewardship of your lifetime of work.

Insurance and Risk Management

Integrated properly, insurance can play an important role in an overall financial plan. But it must have a purpose - it must enable the achievement of a goal. When insurance is an appropriate vehicle, we can analyze and provide the best solution from a number of top providers of health, life, business continuity, disability and major asset insurance.

Tax Strategies

Individuals increasingly face decisions every day that carry important tax implications to their net-worth. From tax deferral strategies to more basic compensation and tax reduction strategies, we can help minimize your tax risk and exposure, as well as help identify ways to reduce your overall tax responsibilities.

Pension Plans and Executive Compensation

We set-up and review qualified and non-qualified pension plans. Perhaps the least understood aspect of executive compensation is non-qualified retirement planning. Many are not aware non-qualified plans offer owners and top executives tax-favored savings opportunities without requiring matching funds for employees as in a 401k strategy. Our extensive background in business planning and our in house tax advisors and legal advisors make non-qualified planning a specialty area for the firm.

*Securities and Investment advisory services offered through Voya Financial Advisors, Member SIPC

** Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.