John Ratchford, CFP ®, CLSA

Investment Advisor Representative

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John Ratchford joined the team at Advocacy Wealth Management in 2017 as a Writing Advisor. He brought with him 19 years of Financial Services experience, including several years of financial planning experience working to help clients achieve their goals and weather the storms of life. John uses his experience and the resources at Advocacy to help clients protect their assets and build for the future while providing predictable income for their needs.


Prior to joining Advocacy, John was an advisor for the City of Atlanta pension helping the participants tailor the available plans to create an individualized benefit to meet their specific needs. Before that John owned and operated The Ratchford Group, helping business owners provide for their futures while protecting their families and growing their businesses. His background includes structuring insurance strategies for business owners and being a designated agent for the CWA Union at Principal Financial Group as well as wealth management with Merrill Lynch.


John graduated from Virginia State University with a Bachelor of Science in accounting. After working for several years in accounting and taxation for a real-estate development and investment company he became interested in working in financial services. After earning his Series 7, Health Life and Disability licenses, and working in the financial services industry for over 10 years, John completed courses through Boston University, earning his CFP ® Certification in 2010.


John was born and raised in Atlanta. He lives in Decatur, Georgia with his beautiful wife, Chanel, and his energetic son, Eli. John enjoys spending time with family and friends, cooking out, and watching the Atlanta Falcons.

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Forge Consulting is a national insurance agency. We analyze but do not provide investment, legal or tax advice. Advocacy Wealth, a Registered Investment Adviser, offers financial planning. Advocacy Trust offers fiduciary services. Forge is the parent company of both Advocacy subsidiaries.

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