SR
Stephen P. Ratcliffe
PROVIDENCE CAPITAL ADVISORS
Charlotte, NC 28211
Some features on this profile are disabled
CRD#: 4497072
SR
Professional summary
Stephen Patrick Ratcliffe, CFP®, ChFC®, CLU®, who also goes by Stephen P Ratcliffe, is a registered financial advisor currently at PROVIDENCE CAPITAL ADVISORS, LLC located in Charlotte, North Carolina.
Stephen is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2002. Stephen has worked at 2 firms and has passed the Series 66, Series 63, SIE, Series 7 and Series 6 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Stephen P Ratcliffe
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
the name of the other business: Insurance sales; whether the business is investment-related: No; the address of the other business: Same as Adviser; the nature of the other business:insurance sales; your position, title, or relationship with the other business: insurance salesman; the start date of your relationship: 2006; the approximate number of hours/month you devote to the other business: 40; the number of hours you devote to the other business during securities trading hours: 40; and briefly describe your duties relating to the other business: Sale of non-variable life, health, annuity and/or disability income insurance products.
CRS (Client Relationship Summary) - RIA
Click below to view Stephen Patrick Ratcliffe's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2004
Experience
Current
June 28, 2016 - Present
PROVIDENCE CAPITAL ADVISORS, LLC
Office #1: 4500 Cameron Valley Parkway Suite 270, Charlotte, NC 28211RIA
CRD#: 174631
Charlotte, NC
Past
January 24, 2006 - June 28, 2016
NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC
RIA
CRD#: 2881
CHARLOTTE, NC
Past
March 12, 2002 - June 28, 2016
NORTHWESTERN MUTUAL INVESTMENT SERVICES, LLC
BD
CRD#: 2881
CHARLOTTE, NC
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
PC
PROVIDENCE CAPITAL ADVISORS, LLC
PROVIDENCE CAPITAL ADVISORS, LLC
CRD#: 174631 / SEC#: 801-107683
RIA
Registered Investment Advisory firm - (4/19/2016 Approved)Louisiana
Registered Investment Advisory firm - (7/5/2016 Terminated)North Carolina
Registered Investment Advisory firm - (7/5/2016 Terminated)Texas
Registered Investment Advisory firm - (6/29/2016 Terminated)Virginia
Registered Investment Advisory firm - (7/1/2016 Terminated)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.Highlighted states indicate IAR registrations
IAR
North Carolina(6/28/2016)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Current Firm
PC
PROVIDENCE CAPITAL ADVISORS, LLC
PROVIDENCE CAPITAL ADVISORS, LLC
CRD#: 174631 / SEC#: 801-107683
RIA
Registered Investment Advisory firm - (4/19/2016 Approved)Louisiana
Registered Investment Advisory firm - (7/5/2016 Terminated)North Carolina
Registered Investment Advisory firm - (7/5/2016 Terminated)Texas
Registered Investment Advisory firm - (6/29/2016 Terminated)Virginia
Registered Investment Advisory firm - (7/1/2016 Terminated)Upgrade to AdvisorCheck Premium
Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.
Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.
See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.
Contact information
Main Address
4500 Cameron Valley Parkway Suite 270, Charlotte, NC 28211
Mailing Address
Phone number
(704) 215-4420
Established
Firm type
Fiscal year end
# of Employees
13
SEC notice filing (11 States and Territories)
Documents
Regulatory assets under management
| Total Number of Accounts | 2,494 |
| AUM (Assets Under Management) | $ 916,266,963 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 02/10/2025 | ||
| 01/31/2024 | ||
| 01/20/2023 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
