Ricketts Financial, LLC

Ricketts Financial serves individuals, trusts, estates, corporations and pension/profit-sharing plans, managing roughly $314 million across about 115 client relationships, the large majority on a discretionary basis. The firm provides financial planning and consulting, discretionary and non-discretionary investment and wealth management, and customized retirement plan consulting for plan sponsors, and it advises on held-away assets such as variable annuities, employer retirement accounts and 529 plans.

The firm’s investment process is client-specific and blends custom-built equity portfolios—managed by an internal Equity Strategy Team that uses a top-down sector allocation followed by bottom-up stock selection—with fixed-income laddering and complementary use of mutual funds, ETFs and Independent Managers. Ricketts Financial emphasizes portfolio construction, periodic rebalancing and ongoing monitoring, and it may allocate portions of client assets to third-party managers under separate agreements.

Distinctive features include a very small advisor headcount (one advisor) paired with AUM above $300 million and concentrated ownership by two Ricketts principals, which may affect operational scale and succession dynamics. The brochure also discloses that certain supervised persons sell securities and insurance on a commission basis through an unaffiliated broker-dealer and are licensed insurance agents, and that the firm receives institutional support from Schwab—arrangements the firm identifies as creating potential conflicts of interest.