West Hills, CA Office

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.