Phil Ratcliff is a Certified Financial Planner Professional (CFP) and the founder of rebel Financial, a financial firm that he started in 2013 that has grown into one of the largest Fee-Only RIAs in the Midwest and fastest organically growing in the country. Phil’s hard work, charisma, and true passion for his business has helped him build rebel from the ground up with the unique objective (at least in the financial world) to put “People before profits.” He specializes in advanced planning (such as executive benefits, stock options, charitable giving, and complex estate/tax planning) and building the business processes that are continuing to drive the firm forward to new heights to deliver ever more value to our clients. Even though Phil helps in all facets of financial planning/advising, rebel has grown to a point that most of the day-to-day activities and new client relationships are primarily driven by our other great Advisors, Financial Coaches, and/or professional staff.

Previously, Phil attended USMA at West Point and served in the United States Army for 8 years before settling down into finance in 2003 at American Express Financial Advisors. Phil is an active member in the Financial Planning Association, NAPFA, and NorthStar BNI as well as serving on numerous Boards of Directors and running our two non-profits: rebel Financial Foundation and 4Advisors. Phil has an extensive background with his Bachelors in History, studies towards his MBA, professional certifications (AIF®,ChFC®, CFP®, and CLU®), voracious reading appetite, and his enthusiasm for mastering new technology.

Outside of working diligently at rebel, Phil is happily married to Stephanie Ratcliff who is an RN at Nationwide Children’s hospital and is kept on his toes by his 5 children: Ellie, William, Josie, Gwen, and Teddy. Phil’s primary hobby/obsession is building things: from beekeeping, to DIY construction projects, to building computers, crypto miners, trading strategies, solar generation systems, smart home/business systems, 3d Printers, and hopefully many more things to come. You will generally find Phil during waking hours, outside of his 9-5 at rebel, working early, late or weekends on one or more of these projects or even maybe something new…