John Ratey
Advisor at Ally invest Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Location
Hovland, MN
Credentials
Series 63, Series 66
Industry experience
12 years
About
John Ratey is a financial advisor at Ally Invest Advisors with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including U.S. Bancorp Investments, Ameriprise Financial Services, and Scottrade. He provides support to both Ally Invest Securities and Ally Invest Advisors in a dually licensed capacity. Ally Invest Advisors serves a broad retail client base with discretionary portfolio management through automated and advisor-led services. The firm uses ETF-based portfolios aligned with Modern Portfolio Theory across multiple risk tiers and offers digital tools for performance reporting and tax management.
Expertise
Based on Ally invest Advisors
ESG / Sustainable investing
Tax-loss harvesting
Income planning
Retirement income strategy
Fee options
$0 - $250,000: 0.85% annually $250,001 - $1,000,000: 0.80% annually $1,000,001+: 0.75% annually
Account minimum: $100,000 Fee-only: 0.30% annually for Market-Focused Robo Portfolios; 0.50% annually for Guided Advice (billed monthly in arrears); no advisory fee for Cash-Enhanced Robo Portfolios and Invest Simply portfolios
Location
Hovland, MN
Most active in
John R has reported serving >5 clients in these states in the last 12 months.
Minnesota
Work history
Ally Invest Advisors
2021 - Present (5 years)
Ally Invest Securities LLC
2021 - Present (5 years)
U.S. Bancorp Investments, Inc.
2019 - 2021 (2 years)
Ameriprise Financial Services, Inc.
2018 - 2019 (1 year)
Scottrade inc
2011 - 2018 (7 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Is not active or affiliated with:
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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