Insurance Licensed Agent
Cecil Ratcliff - Home Page
I am one of the five founders of VRSI, and am one of the four current owners of the company. I am a former teacher/coach. I serve as Secretary of VRSI.
I specialize in retirement planning for educators. I want to earn the right, over time, to be considered by you as your retirement planning professional. My goal is to establish a long-term, mutually beneficial, win/win relationship with my clients.
At VRSI we understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether your goal is preparing for retirement, college savings, or legacy planning, our personalized service focuses on your needs, wants, and financial goals and objectives.
We are in no way affiliated with the Virginia Retirement System, but we do specialize in the benefits available to you under the VRS and provide programs that are designed, not to replace the benefits that you currently qualify for, but are designed to supplement and enhance those benefits.
Many retirees, even those with 30 or more years of service, find that their retirement income is far from adequate - often less than 50% of their final salary. Most people spend more time planning a two-week vacation than in planning for a thirty year retirement. A few minutes of appropriate retirement planning can help avoid some retirement mistakes.
Please explore our entire VRSI website to find out more about us - our history, our VRSI team, and what we do. Our website is filled with educational videos, articles, slideshows, and calculators designed to help you learn more.
As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. I will get back to you quickly with a thoughtful answer. Feel free to contact me for more information. My contact information is above.
Click on the link below for a list of the products and services that we provide.
Click on the link below to learn more about VRSI.
VRSI is a Virginia based corporation dedicated to working with VRS members:
- To assist you in understanding your state retirement system,
- And educating you on your retirement income options.
Our most well-received program has been our Retirement Planning Analysis Program, which consists of two parts:
- A presentation that shows, in general, how the VRS retirement system works,
- And a Personalized Retirement Analysis, that shows how you may maximize your retirement income.