The Ratliff Group uses a goals-based approach to help clients develop and implement customized strategies focused on all of their financial needs. In addition to investment management, the team offers banking and lending services through Bank of America, estate planning strategies, and insurance needs. Harry and Geoff consider their clients' risk tolerance, liquidity needs, time horizons, investment goals, and cash flow requirements while helping them achieve their most important life goals.Sustainable and impact investing strategies are also central to The Ratliff Group's practice. The team helps individuals and families identify investment opportunities that are aligned with their values and also provide the potential for growth in their portfolios. Harry and Geoff also work with nonprofit organizations to help ensure that their portfolios are aligned with their missions.##### *Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.