Nathaniel Ritchison

Nathaniel Ritchison

Designations & Licenses

Certified Financial Planner™
To use the CFP credential, the financial planner must successfully complete the CFP® Board's comprehensive examination which tests his or her knowledge on a number of key financial planning topics. The applicant must also have three to five years of related experience, voluntarily ascribe to the board's code of ethics and complete 30 hours of continuing education every two years pertaining to such relevant topics as estate and retirement planning, investment management, tax planning and insurance.
Accredited Investment Fiduciary
The AIF® designation is the first and only designation that demonstrates knowledge and competency in the area of fiduciary responsibility. Holders must successfully pass an exam, sign and adhere to a written code of ethics and complete four hours of continuing education credits each year. AIF® designees have a reputation in the industry as being the best positioned to implement a prudent process into their own investment practices, as well as being able to assist others in implementing proper policies and procedures.
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Nathaniel Ritchison

As a Certified Financial Planner™ professional, Nate through proactive planning and management helps individuals and families gain confidence and control over their financial situation so they can work toward accomplishing their retirement goals. Since 2002 he has been responsible for leading clients through the wealth management process, which includes guiding clients from goal setting to the creation and implementation of their full financial strategy.

Prior to joining Pure Financial Advisors, Nate was the lead financial planner and a member of the investment committee of a local investment advisory firm in San Diego. Nate brings his planning expertise and knowledge of the client strategies to each financial decision. Nate is an active member in the Financial Planning Association (FPA) of San Diego where he has served as the Director of Public Awareness. He also established a local community of young financial planners called NexGen, aimed at transitioning knowledge from the pioneers of financial planning to the next generation of planners. He is a resource for the local media and has collaborated with the San Diego Union-Tribune several times.

Born and raised in San Diego, Nate attended San Diego State University, where he earned a B.S. in Finance. He actively gives back to his native city by fundraising for multiple non-profit organizations supporting Alzheimer’s care, in addition to participating in numerous pro-bono activities to increase financial literacy in the community. In his free time, Nate enjoys spending time with his wife and their two children.

Meet Nathaniel

Nathaniel's Latest Contributions

What Is Portfolio Diversification?

What is Portfolio Diversification?

You’ve heard the phrase, “don’t put all your eggs in one basket?” In this video, Nate Ritchison, CFP® explains how portfolio diversification is the concept of spreading your eggs – that is, your investments – across many baskets, or asset classes, to limit the damage when some of the baskets fall.

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How is a Roth IRA Different from a Traditional IRA?

How is a Roth IRA Different from a Traditional IRA?

Nate Ritchison, CFP® explains the differences between two commonly-used retirement accounts: the Roth IRA and the traditional IRA. Transcription: “The question I often get when I meet with clients is, “what’s the difference between a traditional IRA and a Roth IRA?” Well, let’s discuss the similarities and the differences between the IRA’s. The similarities are, they’re retirement accounts, specified under the IRS… Read more

 
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What are stocks and bonds?

What exactly are stocks and bonds?

Let’s get back to the basics. Stocks and bonds are both instruments used by companies to raise capital. But what exactly does that mean and how are stocks and bonds different? Nathan Ritchison, CFP® walks you through the differences between stocks and bonds and the risk factors of both. Transcription: “Sometimes in my client meetings I get questions about or looks at… Read more

  
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What is a REIT?

Nate Ritchison, CFP® defines what a REIT (Real Estate Investment Trust) is. Find out what the benefits of REITS are and what the difference between an equity REIT and a mortgage REIT is. Transcription: “Hi, I’m Nate Ritchison, CERTIFIED FINANCIAL PLANNER™ and Registered Investment Advisor with Pure Financial Advisors, and this is Question of the Week. This week’s question is: What is a… Read more

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difference between a will and a trust nate ritchison cfp

Will vs. Trust

Nate Ritchison, CFP®, explains the difference between a will and a trust to help you decide which is better for your estate plan. Transcription: “What’s the difference between a will and a trust? Hi, I’m Nate Ritchison, CERTIFIED FINANCIAL PLANNER™ with Pure Financial Advisors, and this is Question of the Week. This week’s question is: what is the difference between a will and… Read more

 
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Nate

How Does My Withholding Affect My Tax Return?

Nate Ritchison, CFP® explains how your tax withholding on your W-4 affect how much you owe to or get refunded by the IRS. He highlights the importance of staying on top of your taxes throughout the year, especially if your situation changes (i.e. you get married, divorced, have kids, purchased a home, etc.). Transcription: “Most of us have experienced an emotional and… Read more

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difference between a will and a trust nate ritchison cfp

How Do My Investments Affect My Taxes?

Nate Ritchison, CFP® answers your question of the week by sharing how to do tax smart investing by learning how investments will affect your taxes. There are different types of accounts where you can hold your money and they are all taxed at different rates. Investors have the option to invest in tax-deferred, tax free and taxable accounts. It’s important to be strategic with where you… Read more

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How do I Get my Financial House in Order?

Nate Ritchison, CFP® shares how to get your financial house in order in today’s Question of the Week. Learn the four main steps you should follow, identify your goals and implement strategies to create and monitor a plan to meet your objectives. Transcription “Hi I’m Nate Ritchison and this is your Question of the Week.This week’s question is ‘How do I get… Read more

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