Stephen Ratcliffe
Stephen Ratcliffe is a CFP-designated registered investment advisor at Providence Capital Advisors, LLC, based in Charlotte, NC, with 20 years of industry experience. Stephen operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Alternative Investments, Charitable Giving, Education Planning, Estate Planning, and 5 more. Their firm serves 429 clients with $1.1B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.50% |
| $500K - $1.0M | 1.25% |
| $1.0M - $5.0M | 1.00% |
| $5.0M - $15.0M | 0.75% |
| $15.0M - $25.0M | 0.60% |
| $25M+ | 0.50% |
Fees and account minimums are negotiable under certain circumstances. Multiple accounts of immediately related family members at the same address may be consolidated for billing purposes.
Fee Estimator
Location
4500 Cameron Valley Parkway, Suite 270, Charlotte, NC, 28211
Get directionsHistory
Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Stephen has been involved in insurance sales since 2006, selling non-variable life, health, annuity, and disability income insurance products. This takes about a quarter of his time, including time during securities trading hours.
Employment History
Current Registrations
Providence Capital Advisors, LLC
Previous Registrations
Northwestern Mutual Investment Services,llc
State Registrations1 state
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.
Exams
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