Ratio Capital
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ratio Capital is a state-registered investment adviser that provides discretionary portfolio management primarily for individual clients, including high-net-worth individuals, and also works with charitable organizations. The firm includes general financial planning elements—such as retirement planning, insurance assessments, risk management, and estate planning—at no additional charge as part of its advisory services.
The firm uses model portfolios and fundamental analysis, regularly rebalancing to maintain target exposures and reallocating assets among Sub-Advisers, mutual funds and ETFs. Day-to-day management is typically delegated to Sub-Advisers via a turnkey asset management platform, while Ratio Capital retains oversight, may recommend private placements or commodity/precious-metals exposures, and monitors manager selection and performance.
Ratio Capital operates an insurance agency and some advisory representatives are licensed producers who receive commissions on insurance sales, a relatively uncommon arrangement for supported firms that the brochure discloses as a potential conflict of interest. The firm also provides human-resources consulting to small businesses, relies materially on a Sub-Adviser’s TAMP services provided at no charge, and recently changed its fee billing to value accounts as of the last day of the quarter—features prospective clients may wish to consider when comparing this firm to peers.
Client services
Expertise
Fee options
up to 1.5% annually (maximum fee, negotiable)
Insurance products may be sold by advisory representatives who are licensed insurance agents and receive customary commissions.
Main office
See office8465 W. Sahara Ave, Suite 111-44
Las Vegas NV 89117
Advisors at this office
1
Offices (3)
Most active in
California · Nevada · Texas
Also doing business as
Dba: Ratio Capital · Ratio Capital · Ratio Financial Holdings
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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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.
Forms ADV
Advisors at this firm
Scott H
Series 66
Pasadena, CA
Ratio Capital
Scott Hofman is a financial advisor at Ratio Capital with 20 years of industry experience. He holds a Series 66 designation and has worked at Ratio Financial Holdings since 2019, following four years at Unionbanc Investment Services. Ratio Capital provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as charitable organizations. The firm integrates general financial planning topics into client engagements and typically allocates active management to third-party Sub-Advisers, using a rebalancing approach supported by a turnkey asset management platform.
Thomas O
Series 63, Series 65
Las Vegas, NV
Ratio Capital
Thomas O is a financial advisor at Ratio Capital with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ratio Financial Holdings since 2009. Outside of advisory services, he serves as president and principal of Ratio Benefits, a business engaged in selling and administering fixed insurance products in group settings. Ratio Capital provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as charitable organizations. The firm incorporates financial planning topics such as retirement, insurance, risk management, and estate planning, using third-party Sub-Advisers and model portfolios to implement investment strategies.
Jose T
Series 63, Series 65
West Hills, CA
Ratio Capital
Jose Tejada Jr. is a financial advisor at Ratio Capital with 14 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at MUFG Union Bank and Unionbanc Investment Services. In addition to his advisory role, he serves as Vice President of Mortgage Lending at Guaranteed Rate and works as a mortgage and lending consultant for The Countermove, Inc. Ratio Capital is a state-registered investment adviser that provides discretionary portfolio management primarily for individual and high-net-worth clients, as well as charitable organizations. The firm integrates general financial planning services and employs a model portfolio approach with oversight of Sub-Advisers to manage client assets.
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