We are a financial team that's dedicated to people before profit. That means that we put your best interests above our own because we are fiduciaries to you. Because we are independent, we avoid any conflicts of interest that may arise when maintaining relationships between stakeholders and as a result, our clients can be confident that our loyalty lies with them. We add value to our services in ways that other financial firms don't. 


A team is only as strong as its individual parts. Fortunately, one of the strengths of being small is that we have the ability to recruit, train, and monitor all of our administrative, marketing, and financial team members on an individual basis. We are proud of the wonderful team we have to serve you.

W Phil Ratcliff

President and Senior Advisor

Tony Jones

Lead Financial Advisor

Richard Fleeman

Customer Service Specialist

Dylan Elmore

Marketing Assistant

Dylan Elmore Headshot

Hailey Rountree

Administrative Specialist

Jonathan Bailey

Financial Coach

Alex Laurenzi

Lead Marketing Associate

We are Fee-Only

We maintain cutting edge technology

We provide exceptional service

We are a Fiduciary 

We offer multiple custodians

We offer simple and transparent pricing

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