About Ratio Holdings

Ratio Holdings is the parent company to Ratio Capital, a full service investment advisory firm dedicated to servicing the investment needs of a wide range of clients. At Ratio Capital we strive to find creative solutions to complex financial situations and deliver sound financial advice to our clients.

Ratio Capital specializes in managing assets for individuals, businesses and charitable organizations. The advisor team at Ratio Capital also manages several large 401(k) plans and provides life, disability, long-term care and group insurance products. We strive to consider every client’s entire financial situation and offer ideas and strategies to achieve the goals our clients set for their future.

Our Business: Protection

 

Investment Planning

While many of us don’t realize it, we are constantly engaged in subconscious acts of investment planning. We plan how we can best invest the limited time we have at our disposal. Would the 2-hours we have best be spent visiting a friend at the hospital, or would it be better invested, say, by taking...
 

Retirement Planning

Long before retirement even hits our radars, we’re planning what type of education, skills training and professional designations we’ll acquire. We also spend a lot of time planning which industries are the best place to work in, and which employers to work for. Once employed, we carefully...
 

Estate Planning

For some people, financial planning is mainly concerned with how best to go about building a nest egg, and how to make it last through retirement. But for many, there is a desire to ensure their estate delivers benefits beyond their own retirement, and produces a lasting legacy even after they have...

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Team

Founder

Thomas founded Ratio Capital in 2009 with an eye on building a unique culture for advisors and clients to have the most...

Managing Partner

Scott joined Ratio Capital in 2019 after a career working as a financial advisor in the bank channel that included stays...

VP of Human Resources

Carrie has been with Ratio Capital since it was founded in 2009. She has over 20 years of experience in Human Resource...

Lending Specialist

Jose joined Ratio Capital in 2019 after spending 11 years as a private banker with Union Bank. He specializes in unique...