Phil Ratcliff

CFP®, CLU®, ChFC®

rebel Financial

Financial Advisor

Phil Ratcliff

CFP®, CLU®, ChFC®

rebel Financial

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Phil Ratcliff, CFP®, CLU®, ChFC®

Fee-Only Financial Planner Serving the Columbus, OH area

Phil Ratcliff is a Columbus, OH fee-only financial planner. rebel Financial provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Phil Ratcliff is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

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

Phil Ratcliff is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

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.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Phil Ratcliff is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Phil Ratcliff is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Financial Planning Association
    Phil Ratcliff is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

  • ChFC - Chartered Financial Consultant
    Phil Ratcliff is a Chartered Financial Consultant® (ChFC®)

    Chartered Financial Consultant® designations are granted upon completion of seven required courses and two elective courses. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice.

  • CLU - Chartered Life Underwriter
    Phil Ratcliff is a Chartered Life Underwriter® (CLU®)

    A Chartered Life Underwriter® (CLU®) is a professional designation for individuals specializing in life insurance and estate planning. Individuals must complete five core courses and three elective courses, and successfully pass all eight two-hour, 100-question examinations in order to receive the CLU® designation.

Contact Phil Ratcliff

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Office Locations:

  • 540 Officenter Place
    Suite 286
    Gahanna, OH 43230

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