Ratio Capital

Scott Hofman is a financial advisor at Ratio Capital with 20 years of industry experience. He holds a Series 66 designation and has worked at Ratio Financial Holdings since 2019, following four years at Unionbanc Investment Services. Ratio Capital provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as charitable organizations. The firm integrates general financial planning topics into client engagements and typically allocates active management to third-party Sub-Advisers, using a rebalancing approach supported by a turnkey asset management platform.

Thomas O is a financial advisor at Ratio Capital with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ratio Financial Holdings since 2009. Outside of advisory services, he serves as president and principal of Ratio Benefits, a business engaged in selling and administering fixed insurance products in group settings. Ratio Capital provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as charitable organizations. The firm incorporates financial planning topics such as retirement, insurance, risk management, and estate planning, using third-party Sub-Advisers and model portfolios to implement investment strategies.

Jose Tejada is a financial advisor at Ratio Capital with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ratio Financial Holdings since 2019, with prior roles at Unionbanc Investment Services, MUFG Union Bank, and Union Bank. Outside of his advisory work, he serves as Vice President of Mortgage Lending at Guaranteed Rate and works as a mortgage and lending consultant for The Countermove, Inc. Ratio Capital provides discretionary portfolio management primarily for individual and high-net-worth clients, as well as charitable organizations. The firm employs active management through third-party Sub-Advisers and model portfolios, while also integrating financial planning services such as retirement and estate planning.