# Stephen Ratchford

> Stephen Ratchford is a fee-only financial advisor at R5 Capital Management in Dallas, Texas. R5 Capital Management reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/stephen-ratchford/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** R5 Capital Management
- **Based in:** Dallas, Texas
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $15.0M across 56 accounts
- **CRD:** 5445424 (https://adviserinfo.sec.gov/individual/summary/5445424)
- **SEC registration:** Investment adviser representative in TX
- **Exams passed:** Series 66 (2007)
- **Firm size:** 1 employee
- **Disclosures:** None reported

## Frequently asked questions

### Is Stephen Ratchford a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Stephen holds no broker registration, and R5 Capital Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Stephen charge for financial advice?

Stephen's firm, R5 Capital Management, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Stephen Ratchford based?

Stephen Ratchford is based in Dallas, Texas.

### Is Stephen Ratchford registered with the SEC?

Yes. Stephen Ratchford is registered as an investment adviser representative in TX (CRD 5445424), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does R5 Capital Management manage?

R5 Capital Management reports $15.0M across 56 accounts in assets under management.

### How do I contact Stephen Ratchford?

Contact details aren't on file yet. Search for R5 Capital Management.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5445424): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.