Firm Information
We are a federally Registered Investment Adviser with the U.S. Securities and Exchange
Commission (“SEC”). We were founded in 2019 and are owned and operated by Ranch Cap
Holdings.
The following paragraphs describe our services and fees. Refer to the description of each
investment advisory service listed below for information on how we tailor our advisory services
to your individual needs. As used in this brochure, the words "we," "our," and "us" refer to
Ranch Capital Advisors Inc. and the words "you," "your," and "client" refer to you as either a
client or prospective client of our firm.
We provide investment advisory services to individuals, high net worth individuals, trusts,
estates and small businesses. Our investment advisory services include investment
management, financial planning, and financial coaching.
Types of Advisory Services
Financial Planning and Consulting Services
Ranch Capital Advisors Inc. offers financial planning and consulting services which typically
involve providing a variety of advisory services to clients regarding the management of their
financial resources based upon an analysis of their individual needs on an ongoing or periodic
basis. These services typically involve a variety of advisory services regarding the management
of the client's financial resources based upon an analysis of their individual needs and includes,
but is not limited to financial planning, income/cash flow analysis, budget analysis, investment
analysis, asset allocation, education needs analysis/planning, retirement needs
analysis/planning, 401K plan review, trust and estate planning, and charitable giving.
We meet with the client to review risk tolerance, financial goals and objectives, and time
horizons. Additional meetings may include a review of additional financial information; sources
of income, assets owned, existing insurance, liabilities, wills, trusts, business agreements, tax
returns, investments, and personal and family obligations.
The financial plan may include both long and short-term considerations, depending upon the
individual scenario. Upon completion a plan is presented to the client and the client is provided
with recommendations that are deemed to be compatible with the client’s stated goals and
objectives. An implementation schedule is reviewed with the client to determine which steps
will be pursued, and with whom the steps may be accomplished. The client is under no
obligation to utilize the Firm to implement the advice or plan. Clients may choose all or certain
components of advice and recommendations and can implement the recommendations
through the service providers of their choice.
Portfolio Management Services
We offer discretionary and non-discretionary portfolio management services. Our investment
advice is tailored to meet our clients' needs and investment objectives. If you retain our firm for
portfolio management services, we will meet with you to determine your investment
objectives, risk tolerance, and other relevant information at the beginning of our advisory
relationship. We will use the information we gather to develop a strategy that enables our firm
to give you continuous and focused investment advice and/or to make investments on your
behalf. As part of our portfolio management services, we may customize an investment
portfolio for you according to your risk tolerance and investing objectives. Once we construct
an investment portfolio for you, we will monitor your portfolio's performance on an ongoing
basis and will rebalance the portfolio as required by changes in market conditions and in your
financial circumstances.
If you participate in our discretionary portfolio management services, we require you to grant
our firm discretionary authority to manage your account. Discretionary authorization will allow
us to determine the specific securities, and the amount of securities, to be purchased or sold
for your account without your approval prior to each transaction. Discretionary authority is
granted in the investment advisory agreement you sign with our firm and the appropriate
trading authorization forms. You may limit our discretionary authority (for example, limiting the
types of securities that can be purchased or sold for your account) by providing our firm with
your restrictions and guidelines in writing.
We may also offer non-discretionary portfolio management services. If you enter into non-
discretionary arrangements with our firm, we must obtain your approval prior to executing any
transactions on behalf of your account. You have an unrestricted right to decline to implement
any advice provided by our firm on a non-discretionary basis.
As part of our portfolio management services, in addition to other types of
investments (see
disclosures below in this section), we may invest your assets according to one or more model
portfolios developed by our firm. These models are designed for investors with varying degrees
of risk tolerance ranging from a more aggressive investment strategy to a more conservative
investment approach. Clients whose assets are invested in model portfolios may not set
restrictions on the specific holdings or allocations within the model, nor the types of securities
that can be purchased in the model. Nonetheless, clients may impose restrictions on investing
in certain securities or types of securities in their account. In such cases, this may prevent a
client from investing in certain models that are managed by our firm.
Clients who have engaged us for portfolio management services may receive complimentary
financial planning at no additional cost.
Financial Coaching Services
We offer financial coaching services on a membership/subscription basis. The goal of a financial
coach is to advise and provide guidance on your day-to-day personal finance decisions. Your
financial coach will help create a "smart spending" plan that aligns with your stated values and
goals.
Financial coaching services include but are not limited to:
• Provide a customized plan and clear direction to reach your goals
• Provide monthly budgeting tools and strategies
• Provide personal expense tracking tools
• Budget vs actual expense analysis
• Expense cutting strategies
• Debt payoff strategies and methodology
• Spending plan recommendations
• Cashflow strategies
Your financial coach will meet remotely with you each month and will serve as an accountability
partner throughout the term of your subscription. Our financial coaching services are available
as a flat fee subscription service typically for 3-6 months at a time.
Tailored Relationships
We tailor investment advisory services to the individual needs of the client. Our clients are
allowed to impose restrictions on the investments in their account. All limitations and
restrictions placed on accounts must be presented to us in writing.
Wrap Fee Programs
A “wrap-fee” program is one that provides the client with advisory and brokerage execution
services for an all-inclusive fee. The client is not charged separate fees for the respective
components of the total service. We do not sponsor, manage or participate in a Wrap Fee
Program.
Fiduciary Statement
We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment
advice to you regarding your retirement plan account or individual retirement account, we are
also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act,
(“ERISA”) and/or the Internal Revenue Code, (“IRC”), as applicable, which are laws governing
retirement accounts.
We have to act in your best interest and not put our interest ahead of yours. At the same time,
the way we make money creates some conflicts with your interests. We must take into
consideration each client’s objectives and act in the best interests of the client. We are
prohibited from engaging in any activity that is in conflict with the interests of the client. We
have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial
circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented
in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to
provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably.
Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material
fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as
fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client.
We will act with competence, dignity, integrity, and in an ethical manner, when working with
clients. We will use reasonable care and exercise independent professional judgement when
conducting investment analysis, making investment recommendations, trading, promoting our
services, and engaging in other professional activities.
Assets Under Management
As of February 7, 2024, we managed $277,862,049 in client assets on a discretionary basis.