Supreme Alliance
47yrs
Top advisor by experience in Charlotte
25yrs
Stephen Ratcliffe
Full name on record: Stephen Patrick Ratcliffe
Financial advisor at Providence Capital Advisors
Stephen Ratcliffe has worked in the financial industry for 25 years and is a fiduciary financial advisor based in Charlotte, North Carolina. After ten years at Northwestern Mutual Investment Services, Stephen joined Providence Capital Advisors in 2016, a firm offering financial planning, investment management, and retirement plan consulting. Stephen holds the CFP® designation.
One of 4491 advisors with offices in Charlotte, and one of 4159 fiduciaries.
At a glance
Experience25 years (since 2002)
How that compares ?Top 22% by experience in Charlotte
Office4500 Cameron Valley Parkway Suite 270, Charlotte, NC 28211
How the firm is paid ?Percent of assets, Hourly
Typical client at the firm ?$2.49 million
Advisors at the firm7
States licensed ?1 state
Services through Providence Capital Advisors
Financial planningInvestment management for individuals and small businessesRetirement plan consulting
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Designations
CFP®
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 2016 – nowProvidence Capital Advisors, LLCCurrent firm
- 2006 – 2016Northwestern Mutual Investment Services, LLCPreviously
Contact Stephen
(704) 215-4420Providence Capital Advisors main office 4500 Cameron Valley Parkway Suite 270Charlotte, NC 28211Office · Get directions Firm websitewww.providencecapitaladvisors.com
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Questions to ask Stephen
Tailored to Stephen’s registration and firm.
- What does a financial plan with you include, and how often is it updated?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About Stephen
How do I contact Stephen?
Call Providence Capital Advisors at (704) 215-4420 and ask for Stephen Ratcliffe. Stephen works from the Charlotte, NC office.
How long has Stephen been a financial advisor?
Stephen has been in the industry since 2002, about 25 years. Top 22% by experience in Charlotte.
What licenses does Stephen hold?
Series 63, Series 66. Tap any license on this page to see what it allows.
Is Stephen a fiduciary?
Stephen is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Stephen paid?
Providence Capital Advisors reports being paid by a percentage of the assets they manage, hourly fees. Ask Stephen for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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