Phil  Ratcliff

Phil Ratcliff

| CFP®, CLU®, ChFC®

rebel Financial

(614) 441-9605

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Fee-Only Financial Planner Serving the Columbus, OH area

Specialties

  • Fee-Only Financial Planning
  • Financial Review
  • Hourly Fee Consultations
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Estate Planning
  • Insurance Services
  • College Education Planning
  • 401(k) and IRAs
  • Business Planning
  • Employee Benefits

Website

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540 Officenter Place
Suite 286
Gahanna, OH 43230

Fee-Only & Fiduciary


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

Phil Ratcliff is a Columbus, OH Fee-Only Financial Planner located in Gahanna and serving the entire region.  rebel Financial specializes in providing objective financial planning, retirement planning, estate planning and business planning to help clients grow and protect their assets through life's transitions. Phil Ratcliff is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Originally from Huntington, West Virginia, Phil Ratcliff currently lives in Columbus, Ohio, and is married to Stephanie Ratcliff; a nurse at Nationwide Children’s Hospital. Phil and Stephanie have four beautiful children and another on the way.

Phil attended the United States Military Academy at West Point and also served in the U.S. Army for over 7 years before deciding to pursue a business career. Phil graduated from OSU with a B.A in history with a minor in computer science, then pursued an M.B.A. from Webster University, and is now working on his PhD in Financial Planning from the American College.

Phil Ratcliff has been a financial advisor for over 10 years. He started his career at American Express Financial Advisors in 2003, then moved to AXA Advisors for 7 years before founding rebel Financial LLC in 2013.

Phil’s professional education and certifications include:
 

  • Investment Advisor Representative for rebel Financial LLC
  • Insurance licenses with many states in the country
  • B.A. in History from The Ohio State University
  • Chartered Financial Consultant (ChFC®)
  • Certified Financial Planner (CFP®)
  • Chartered Life Underwriter (CLU®)
  • Enrolling in the American College’s Phd program in Financial & Retirement Planning: Anticipated Completion Winter 2017

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rebel Financial is a Registered Investment Advisor and we are in the business of providing investment and planning advice for compensation.  However, we do things differently and we are not afraid to stand up and fight for what is right for our clients, and for the advisory industry in general.

Why we Named our Company rebel Financial:
rebel Financial was founded to do things differently from how most financial firms operate.  We organized the company to serve our clients first, comply with all applicable regulatory requirements next, and then worry about how to make a profit last.  This is totally opposite of the traditional financial firm and it is our fundamental rebellion: That we work for you, first.

Organization and Structure:
We pride ourselves on transparency and in the spirit of that, we fully disclose all aspects of our organizational structure.  We are a Registered Investment Advisor (RIA) in the States of Ohio and West Virginia, although, we do have the ability to work with anyone, in any state, in the U.S.  Our company is also a Limited Liability Corporation (LLC) Incorporated in the State of Ohio.  All shares of rebel Financial LLC are owned by its founder, W Phil Ratcliff.

Why Small is Better:
We protect you from most of the risks associated in working with a small firm so that you may benefit from the agility and freedom that being small affords us.

  • We can reduce bureaucracy and inefficiencies.
  • We can pass saving on to customers more quickly.
  • We can quickly adapt to industry and market changes for our clients.
  • We can implement technological solutions more quickly and efficiently.
  • We can more easily provide our clients with transparency.
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