Stephen Ratcliffe
Stephen Ratcliffe is a CFP-designated registered investment advisor at Providence Capital Advisors, LLC, based in Charlotte, NC, with 24 years of industry experience. Stephen operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Business Owners, Estate Planning, High Net Worth, Insurance Planning, and 3 more. Their firm serves 419 clients with $920M 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 are negotiable in certain circumstances based upon prior relationships as well as related account holdings. Company retirement plans with multiple employees as participants are charged a flat fee of up to 0.50% annually. These fees are negotiable and disclosed in a separate fee schedule to the client.
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
Northwestern Mutual Investment Services, LLCBroker
State Registrations1 state
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