Ridgeview Financial LLC

Ridgeview Financial is a state-registered advisory firm that provides discretionary investment management and financial planning and consulting services primarily to individuals and families, and may work with related entities or trusts on a case-by-case basis. The firm also offers general educational seminars and workshops on personal finance and investment topics; at launch it reported no assets under management.

Ridgeview constructs internally developed model portfolio allocations as a baseline and tailors portfolios to each client’s objectives, risk tolerance, tax considerations, and liquidity needs, primarily using diversified ETFs, mutual funds, and other publicly traded securities with ongoing monitoring and periodic rebalancing. The firm accepts discretionary authority for managed accounts and separately provides advice-only planning on an hourly basis rather than standardized or automated plans.

Distinctive features include licensed insurance activities: Ridgeview and its personnel are licensed to sell life insurance and annuities and may receive commissions for those sales, a practice the firm discloses and states could represent a substantial portion of its business activity. The firm invoices advisory fees (does not presently deduct fees from custodial accounts), requires clients to use its supported custodial platform, does not sponsor wrap fee or private fund programs, and does not accept proxy-voting authority on client securities.