Tools I use and recommend
I recommend a lot of things: books, software, farm gear, services. Some of these companies pay me a small referral fee when you use my link. I'm upfront about that because every dollar funds this website, helps me pay someone to build more useful things for you, and a third goes to charity. Nothing is on this list just because it pays.
Some links on this page are affiliate or referral links. If you sign up or buy through them, I may earn a small commission or credit at no extra cost to you. I only list things I actually use or would tell a friend about. As an Amazon Associate I earn from qualifying purchases.
Where the money goes
Affiliate income goes into its own account, kept separate from everything else.
About 1/3: charity
About 2/3: building this site and new projects
The charity share may run through the rebel Financial Foundation. The rest pays for development help and new tools on philratcliff.com and philratcliff.org.
For readers
I read almost entirely with my ears: on a run, under a barbell or on a ladder. My full shelf, with ratings as I add them, lives on the reading page.
Audiobooks
Amazon's audiobook service. It's how nearly 300 of the books on my shelf got read.
Good fit for: Anyone who drives, runs, lifts or works with their hands and wants that time back.
Affiliate link coming once my Amazon Associates account is approved.
Books
Print and Kindle editions of the books on my shelf.
Good fit for: Readers who like paper, or want to gift a book I recommend.
Affiliate link coming once my Amazon Associates account is approved.
My shelf
Every audiobook I have finished, sorted by subject, with ratings and notes on the way.
Good fit for: Anyone looking for their next good book.
No affiliate links here yet.
For financial advisors
If you run or are starting an independent advisory firm, these are tools I know and point people to. Do your own diligence: what fits a firm like mine may not fit yours.
Practice platform
An all-in-one platform for RIAs: CRM, portfolio management and performance reporting, billing and a client portal in one place.
Good fit for: Independent RIAs that want fewer separate systems.
Advyzon runs a refer-a-friend program (a free month for both firms). Referral details coming.
Risk and proposals
Formerly Riskalyze. Known for the Risk Number, plus proposals and client-engagement tools for growing a practice.
Good fit for: Advisors who want a clear, visual way to talk with clients about risk.
Referral link coming.
CRM
A CRM for financial services firms, built as a customized configuration of Salesforce.
Good fit for: Firms that want the power of Salesforce without building it from scratch.
Referral link coming.
Household finances
An AI-powered app that organizes household accounts, documents and net worth in one place, with a version for advisors.
Good fit for: Families who want one dashboard, and advisors who want to give them one.
Referral link coming.
Some of these are vendors rebel Financial uses or has used. This page is personal and is not a rebel Financial communication, and nothing here is a recommendation of any investment product.
For farmers and business owners
More coming here: the equipment, supplies and tools we use at Ratcliff Farms, plus the business tools that keep everything moving.
CRM and marketing
CRM, email and marketing tools. I use it for the farm.
Good fit for: Small businesses and farms that want contacts, email and a simple sales pipeline in one place.
HubSpot affiliate link coming.
Coming soon
Chickens, bees, chestnuts, high tunnels and the tools that keep them going. This list is on the way.
