Broker Check

Investment Management

Ratcliff Financial Services Inc. is an independent wealth services firm. We are registered with Cetera Advisor Networks, who utilizes Pershing to custody brokerage and advisory accounts. Click here to read more about the organizations that support us. Cetera Advisor Networks LLC.  Pershing LLC, Pershing is a subsidiary of The Bank of New York Mellon Corporation.

As an independent firm we have the freedom to spend the time necessary to manage your account to its fullest potential. This helps minimize potential conflicts of interest and allows us to focus on customized solutions. We base our decisions on what the client needs, not what the firm wants. The client truly does come first. As an independent firm, we are not restricted on our investment selection. We choose what is in the client's best interest.

The accounts are managed in a fee based environment. The percentage based fee amount depends on the account balance. This management style and fee arrangement can help align the motivations of the Advisor with the desired outcome of the Client. Fee based accounts may provide a good environment for a long term ongoing client advisor relationship.

At RFSI we have limited the number of client we will take on in order to offer full attention to the clients we do have. To foster this "always available" environment we have set our account minimum at $1,000,000 to open a new account, some exceptions apply.

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 objective
  • 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