Ratcliff Financial Services Inc.

Ratcliff Financial Services Inc. Ratcliff Financial Services Inc, established in 1991, is an independent Private Wealth Management Firm Investment Management

Ratcliff Financial Services Inc.

Celebrating 30 Years in Wealth Management

Ratcliff Financial Services Inc, established in 1991, is an independent Private Wealth Management Firm. With an emphasis on Investment Management, we understand the complexities of managing a wealthy estate. Our Customized Planning techniques include Portfolio Management Strategies, Tax Planning Strategies, Retirement Planning, Business Succession Plannin

g, Estate Planning and Asset Protection. We are client driven seeking solutions that best fit the clients specific needs as opposed to a product oriented firm looking to make sales with a specific product to push. 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. is an independent financial services firm, Our accounts are held and managed through Cetera Advisor Networks LLC. Brokerage ex*****on and technical services are performed by an industry leader - Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation. Bank of New York, established in 1784, is the oldest Bank in the USA. As an independent firm we have the freedom to spend the time necessary to help you manage your account to its fullest potential. There is no parent company product pushing, investment banking conflicts of interest or biased analyst advice. This provides an environment without conflict of interest and a best decision scenario for the client. We base our decisions on what the client needs not what the firm wants. The client truly does come first. The accounts are managed in a fee based environment. The fee amount depends on the account balance. This management style and fee arrangement aligns the motivations of the Advisor with the desired outcome of the Client. The Team Approach = Well Rounded Financial Decisions

We utilize a chosen team of independent professionals to help develop Investment Planning strategies for our clients. I believe good financial advice is given only after the Client’s Investment, Tax and Legal environments are taken into consideration. We often work directly with your existing CPA* and Attorney*. I believe this helps give the client an advantage in making important decisions when recommendations of Investments, Tax and Legal environments are taken into consideration. Additionally, the team includes a Lending Specialist, Group Benefits consultant and an Insurance specialist. I feel the quality of our advice is increased from the close communication of this team. Our clients appreciate the convenience of having a team of professionals available to help meet their needs. Federal and state insurance and securities rules and regulations prohibit registered representative(s) and/or investment adviser representative(s) from soliciting, offering and selling any insurance or securities products or providing investment advice until they are properly registered and licensed in each state jurisdiction. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.

11/03/2025
Cetera Wealth Partners top 10 growth offices company wide, YTD (4/2025)
06/10/2025

Cetera Wealth Partners top 10 growth offices company wide, YTD (4/2025)

Read the latest weekly market update from Cetera Investment Management:
04/07/2025

Read the latest weekly market update from Cetera Investment Management:

U.S. stocks plunged last week, driven by President Trump’s two-step tariff announcements. The wide-ranging trade duties have a baseline 10% tariff and higher tariffs for targeted nations. This prompted an immediate retaliatory 34% tariff response from China. Trump’s tariffs also stoked concerns ...

While President Trump’s more aggressive than expected tariff announcements last week led to dramatic selloff in the stoc...
04/07/2025

While President Trump’s more aggressive than expected tariff announcements last week led to dramatic selloff in the stock market, CIO Gene Goldman, CFA still sees some possible silver linings. Join him on as he lays out three possible reasons for market optimism.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Check out the latest commentary from that discusses China’s retaliatory tariffs and the market’s reaction. The silver l...
04/04/2025

Check out the latest commentary from that discusses China’s retaliatory tariffs and the market’s reaction. The silver lining is that there is still time for negotiation. Click here to read more: https://bit.ly/3RGPUnP

Check out the latest commentary from that discusses the newly announced tariffs and potential impacts. Uncertainty is h...
04/03/2025

Check out the latest commentary from that discusses the newly announced tariffs and potential impacts. Uncertainty is high right now and tariffs will likely be negotiated. Investors should not attempt to invest around the ever-changing headlines. Read more:

In this commentary, we discuss the newly announced tariffs, their potential impacts and what this means for your portfolio. Tariffs create a lot of uncertainty and a lot of volatility. Investors should stay focused on their own goals and objectives and not try to invest around ever-changing headline...

This Quarterly Recap summarizes market performance, major events and news from Q1 2025. Read more here:
04/02/2025

This Quarterly Recap summarizes market performance, major events and news from Q1 2025. Read more here:

The S&P 500 posted its largest quarterly loss in nearly three years, whipsawed by President Trump’s fast-evolving rollout of newly imposed trade tariffs with additional foreign-made auto import levies and broadbased “reciprocal tariffs” expected to be announced on April 2. Reciprocal tariffs r...

Just released: latest commentary, “Time Is on Our Side.” Discover the power of compounding in long-term investing, even...
04/01/2025

Just released: latest commentary, “Time Is on Our Side.” Discover the power of compounding in long-term investing, even in volatile markets. Patience pays off—time is on our side if we use it wisely. Read more:

Cetera Investment Management’s latest commentary, “Time Is on Our Side,” explores the powerful impact of long-term investing. In a world driven by instant gratification and short-term thinking, successful investing requires patience. History shows that longer time horizons often lead to better...

This week will be an important one for financial markets. Join CIO Gene Goldman, CFA, on this week’s episode of as he ...
03/31/2025

This week will be an important one for financial markets. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains how we’ll learn about tariff policy and get an early reading on March’s economy.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Check out the latest market outlook from which discusses growing uncertainty and reasons to remain optimistic. Click he...
03/25/2025

Check out the latest market outlook from which discusses growing uncertainty and reasons to remain optimistic. Click here to read more:

In our second quarter outlook, we discuss how early year optimism around AI spending and pro-growth policies soon shifted to uncertainty with news of Chinese AI, tariffs and government spending cuts. While uncertainty is growing, there are reasons for optimism.

After hitting a correction, markets have stabilized. Join CIO Gene Goldman, CFA, on this week’s episode of as he expla...
03/24/2025

After hitting a correction, markets have stabilized. Join CIO Gene Goldman, CFA, on this week’s episode of as he explains how this week’s Core PCE Deflator Report could determine whether that stabilization holds as well as the Fed’s next steps.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

Address

Parker, TX
75094

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 12pm

Website

Alerts

Be the first to know and let us send you an email when Ratcliff Financial Services Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Ratcliff Financial Services Inc.:

Shortcuts

Share

Category