David Ratcliffe

Our overall mission is for each client to have a clear understanding of their financial needs & available solutions. We take the complex and hard to understand financial jargon, break it down into understandable, everday terms. Our foundation is common sense solutions. Our process is guided by mutual confidence and respect. David Ratcliffe is licen... sed in NC, SC, VA, MD, & OH to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in NC, SC, VA, MD & FL and advisor registered in NC, SC, VA, MD & FL. Paul Adkins is licensed in NC to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), and is securities registered in NC and advisor registered in NC. This site is not a solicitation of interest in any of these products in any other state. IMPORTANT CONSUMER INFORMATION: David Ratcliffe and Paul Adkins may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if (s)he is excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by David or Paul that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution (s)he represents, contact your state securities law administrator. Insurance issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, and the companies available through the Preferred Product Network, Inc. Securities and advisory products offered through ...Read More