John K. Ritter

John K. Ritter


Ritter Daniher Financial Advisory, LLC


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Fee-Only Financial Advisor serving the Cincinnati, OH area.


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


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3505 Columbia Parkway
Suite 100
Cincinnati, OH 45226

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

John Ritter is a Cincinnati, OH Fee-Only Financial Planner serving the entire Cincinnati, OH area.  Ritter Daniher Financial Advisory, LLC specializes providing objective advice on financial planning, investment management, retirement planning, and financial issues during life transitions.  John Ritter is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.
John Ritter, CFP® is a Cincinnati, OH fee-only financial planner and a member of the National Association of Personal Finanical Advisors.


Co-owner of Ritter Daniher Financial Advisory, LLC
Managing Partner
Senior Financial Advisor

Educational Background
B.S. in Business Administration from Xavier University, 1994
Certified Financial Planner (CFP®), 2001
Certified Fund Specialist (CFS), 2002
NAPFA Registered Financial Advisor, 2003

Entered Financial Planning Industry, 1994
Speaker at Cincinnati Enquirer Financial Independence Day, 2001-2002
Speaker at NAPFA Midwest Regional Basic Training Conference, 2003
Speaker at NAPFA National Basic Training Conference, 2004-2006, and 2009
TD Ameritrade National Advisory Panel Member, 2005-2006
Speaker at TD Ameritrade New York Regional Conference, 2006
Speaker at TD Ameritrade National Conference, 2006, 2007, 2009
Speaker at NAPFA National Conference, 2006, 2007
Co-Chair of 2008 NAPFA National Conference in Long Beach, CA
NAPFA National Board of Directors - term beginning in 2009: Conference Liaison


After careers in other aspects of the delivery of financial advice, John Ritter and Jeff Daniher met in 1998. They quickly discovered that their ideals of how a business should be run and how clients should be served were nearly identical. Within months they decided that they wanted to “hang a shingle” and start their own firm – with the goal of being known as one of the finest financial advisory firms both locally and nationally. On July 23, 1999, Ritter Daniher Financial Advisory, LLC was launched.

From the beginning of their firm, they focused on offering comprehensive financial advice and investment management services to individuals that were looking for a professional partner. They also stressed that the providers of financial advice could never be seen as true professionals unless they practiced with full disclosure of compensation, and full disclosure of conflicts of interest. This was, and still is, one of the best ways for the consumer to determine if they are working with a financial advisor or a financial salesperson.

John and Jeff have been referenced often as leaders in promoting a Fiduciary standard in the industry. They believe that the consumer should demand that all advisors adhere to a fiduciary standard, meaning that they legally are obligated to place their client’s interests ahead of their own at all times. This industry leadership has resulted in numerous speaking engagements with the National Association of Personal Financial Advisors and TD Ameritrade Institutional, among others, as well as the opportunity to serve as co-chairs of the 2008 NAPFA National Conference. Educating others within the industry on how they can better serve their clients, and better enhance the respect of the profession at large, is part of the mission of RDFA.

RDFA has been recognized as one of the top firms in the country by various industry publications. Wealth Manager Magazine has included the firm in their "Top Dogs" listing of the top financial advisory firms nationwide in 2003, 2005, 2006, 2007, 2008, 2009 and 2010. Financial Advisor Magazine has listed RDFA in their annual survey of top firms in the country in each year the survey has been prepared: 2006 through 2010.
Recently, RDFA expanded further through the acquisition of Clarus Financial, LLC.  Not only did this acquisition and merger bring additional clients for the firm to serve, but it also brought two additional team members in: Greg Busch and Lori Smith.  This raised the total amount of employees in the firm to seven, with five Certified Financial Planner professionals.

In its 11 years, RDFA has gone from an idea on a business plan, to a successful, nationally recognized firm serving more than 200 clients, and managing nearly $200,000,000. How have they done this? It has happened through a passionate belief in the benefits of a Fee-Only compensation method, and upholding a Fiduciary standard in all dealings with a client.