Antony (Tony) Ratcliffe

B.Admin, MDE, CFE

Ratcliffe Wealth & Risk Management

Hello, and welcome! Thanks for dropping by my website and blog.

I am an independent insurance and financial advisor serving clients in Alberta, Canada. Working with individuals and families, the focus is on building and protecting their wealth.

Decisions to make investments or purchase insurance should be based on an analysis and a plan. Through discussion, gathering information, and completing a needs analysis, these are some things I help clients address:

• cash flow analysis
• building an emergency fund
• insuring paycheques against illness or accident
• supporting family in the event of premature death
• investing with guaranteed principal and/or income for life
• reducing income taxes
• planning for estate transfer
• developing a comprehensive financial plan

Business owners have further concerns relating to the continuity of the business operations, their partnership and shareholder agreements, and the financial health and protection of their employees. These can be addressed, often in consultation with your other trusted advisors.

I hope you enjoy the website. Reflections on Wealth provides information relating to insurance and financial planning, and more. You will see blog entries and other information that extends beyond what you might expect to see on a financial advisor's website. It is an opportunity to learn more about me and my interests, as I seek to personalize this site. Some of the content will touch on the risk management and emergency planning subject areas in which I teach, as an online educator, as well as some of the events and activities I attend.

Please click on the Contact tab to reach me. You may also comment on any of the blog entries!

Tony Ratcliffe and Ratcliffe Wealth & Risk Management offer the following products:

• Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Long-Term Care Insurance
• Travel Insurance
• Group and individual medical benefits
• Group investment programs
• Investments, including RRSPs, RESPs, non-registered
• Coming January 2009, the Tax Free Savings Account

Read more about Tony Ratcliffe and Ratcliffe Wealth & Risk Management