Cameron Rafati

Cameron Rafati is a financial advisor and cofounder of Iron Ridge Advisors, an independent firm that helps rural American landowners defer capital gains tax through Delaware Statutory Trusts and 1031 exchanges.

His clients are second and third generation ranchers, farmers, and landowner families across Texas, Montana, Colorado, Idaho, Wyoming, Oklahoma, Nebraska, and Central Valley California. By the time they call him, a decision has usually already been made at a kitchen table: the land is going to sell. Waiting on the other side of that decision is a tax bill big enough to swallow 30 to 40 percent of a lifetime's work, federal capital gains, state taxes, and depreciation recapture stacked one on top of the other before the family ever sees a dollar of proceeds. Iron Ridge structures the sale as a 1031 exchange into a Delaware Statutory Trust, rolling those proceeds into a diversified portfolio of institutional real estate, apartment buildings, industrial parks, and self storage facilities. Deferring the capital gains tax check at closing. The family keeps what they built.

Cameron also helps run R5 Homes alongside his father, Al Rafati. R5 is a Utah homebuilder designing single family residences with a built in second income unit, where a new family can afford the mortgage by renting out the downstairs, and where both households have their own front doors, real soundproofing between floors, and separate HVAC. It gives first time buyers a real path to ownership in a market that has mostly closed the door on them.

Cameron holds a bachelor's degree from the University of Southern California and a master's degree in real estate development from the University of Utah. His professional registrations are held through Arkadios Capital, a FINRA member broker dealer. Every Delaware Statutory Trust offering Iron Ridge places runs through independent third party due diligence before a single client dollar is committed. No exceptions.

Outside of work, Cameron lives in Eagle Mountain, Utah. Most of his free time is spent in the mountains, with family, or on the phone with a landowner trying to figure out what to do with three generations of work. The way he sees the job, it comes down to one thing: helping families keep what they spent generations building, without losing it to taxes or to the family fights that often follow a big sale.