About us

Ripple is for business builders

At Ripple, we're dedicated to leveling the financial playing field for small and medium-sized businesses.

Empowering businesses with the ultimate growth tool

Ripple was created to address a fundamental gap: many small businesses struggle to access the capital they need to thrive. Our platform empowers these businesses by offering fair, unbiased capital, enabling them to invest in growth, strengthen their communities, and focus on what truly matters—innovation and success.

Ripple goes beyond financing by offering additional tools and solutions tailored to support business growth, from smart underwriting to seamless payment management and spend insights. Our comprehensive approach ensures that businesses have the resources they need to grow efficiently.

Meet our leadership team

Our leadership team is driven by the mission to empower business builders everywhere. With a deep understanding of the challenges faced by entrepreneurs, they guide Ripple in creating solutions that truly make a difference.

Alex Mercer

Chief Executive Officer

Olivia Hartman

Chief Financial Officer

Ravi Kapoor

Chief Risk Officer

Samantha Lee

Chief Product Officer

David Chen

Chief Legal Officer

Isabella Cruz

Chief Compliance Officer

Emily Nguyen

Chief Innovation Officer

Michael Thompson

Chief Technology Officer

Trusted by 200+ businesses

Your Trusted Guide on the Path to a Fulfilling Retirement

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Helping You Build a Secure and Rewarding Retirement

Imagine a path through retirement where you have a trusted guide by your side, helping you make confident decisions at every turn. Our team is here to walk that journey with you, crafting a custom plan that aligns with your unique vision for retirement. We’ll start by listening to your dreams, understanding your concerns, and mapping out the goals that matter most to you. Whether you’re preparing to retire or already in the middle of it, our expertise becomes your compass. Together, we’ll build a strategy tailored just for you, encompassing every piece of the financial puzzle—from saving and investing to income planning and beyond.

Get to Know Us

Already retired? Let’s maximize these years so you can live your retirement to the fullest. Starting with an “in-retirement” financial plan, we’ll evaluate your current path, making a djustments to ensure it’s leading to your goals. With ongoing support, we’ll help you navigate the complex world of income generation, tax strategy, and legacy planning. Let us be the guide you can rely on—so you can focus on enjoying a fulfilling, secure retirement.

Get to Know Us

Tailored Financial Planning for Retirement & Wealth Growth in Orange County

Retirement & Wealth Growth in OC

Your financial needs evolve as you transition into retirement, and a one-size-fits-all approach won’t work. At Willett Wealth Planning, we provide tailored wealth management strategies that adapt to your goals, whether you seek investment growth, tax efficiency, estate preservation, or risk management. Our expertise ensures you receive custom financial planning that reflects your life style and aspirations. Serving clients in Newport Beach, Laguna Beach, Irvine, and Yorba Linda, we help you build a secure future that aligns with your vision—without the stress offinancial uncertainty.

About Us

Helping You Feel Confident and Fulfilled in Retirement

Our clients are entering one of the most exciting chapters of their lives—a time to explore, relax, and make memories. They dream of vacations and cruises, time with family, and peace ful mornings without a single worry about finances. They envision a retirement where their savings provide lasting security and a legacy for future generations.

Yet, for most, the joy of these years doesn’t include managing the financial details. That’s where we come in. With our expertise, we take care of the complexities, allowing our clients to enjoy each day with confidence, knowing their future is secure. For them, it’s a journey filled with ease and fulfillment—because they have a trusted guide handling the rest.

Some common retirement related concerns we can help with

Will I still have to pay taxes once I’m retired?

Whether you're already retired or nearing that milestone, we’re here to empower you. Our expertise is designed to address the unique needs you face in retirement, helping you confidently enjoy the life you’ve earned."

How will I cover unexpected healthcare costs and long-term care?

Your savings tell the story of years of dedication and hard work. Now, as you approach or enter retirement, it's time to make your priorities count. While millions of Americans live pay check to pay check, your retirement can be different. Together, we’ll makesure your future is built on financial confidence and peace of mind.

How can I balance paying bill snow while saving for later?

You’re navigating a world of information overload, where it’s hard to know where to start—and even harder to know whom to trust. With scams and misleading financial advice everywhere, it’s no wonder that 1 in 4 American adults feel like they have no one they can rely on for trust worthy guidance. But you’re not alone. As your guide, we’re here to help you cut through the noise, offering clear, reliable advice so you can confidently take charge of your financial future. We will help you understand the path you' retaking.

What will taxes take out of my retirement income?

After a combined 50 years of working with people, we’ve come to realize it’s so much more fulfilling to work with friends. We truly care about your financial well-being and are here to support you every step of the way. You can trust that we take our responsibility to you seriously, always putting your best interests first. We're here for you, as both a guide and a friend, helping you navigate your financial journey with confidence.

Are my investments safe and growing as they should be?

Will I be able to afford emergencies or rising expenses in the future?

How do I make sure my family is provided for when I’m gone?

What if something happens to my assets—how can I protect them?

Things to Keep in Mind on Your Journey

Retirement Isn't One-Size-Fits-All: Navigating Life's Surprises with a Trusted Partner can help.

While numbers and projections can offer guidance, real life often brings changes that can affect your plans. It's important to stay flexible and adjust your strategies as needed. Having a trusted advisor by your side to help nzzavigate these changes and make all the difference, ensuring you stay on track for theretirement you envision—one that is low-stress and full of enjoyment.

Retirement distributions tend to be irregular, rather than consistent or linear.

Although many retirees establish regular monthly distributions from their retirement accounts, we never know when “life”is going to happen. You might need to pull out extra funds to purchase a new vehicle, or fund a home improvement project, or help your children out with a large purpose. What ever the reasoning or event might be, we are happy to help evaluate the tax consequences and the overall impact to your financial plan.

As in any great journey, there are a few things beyond anyone’s control.

We don’t have to disrupt your plans. We build your financial strategy with resilience in mind, ensuring it’s flexible enough to coach you through life’s changes. As your trusted partner, we’re here to monitor your progress, make adjustments, and keep you on track, so that you can stay focused on living your best retirement life.

Planning for your retirement in segment scan help greatly. We utilize the segments of “Go

Go Years,” their “Slow Go Years,” and their “No Go Years.”
These terms describe 3 stages in retirement. Each of these stages highlights different challenges and opportunities for retirees, which is why careful retirement planning is important to ensure that financial and health care needs are met as life stages change. In these periods we will plan to spend more earlier while you are healthier and able to travel and enjoy your freedom. And in the No Go years, you might be less active, but Health care needs might be greater.

Things to Keep in Mind on Your Journey

Are 50 years old anRetirement Isn't One-Size-Fits-All: Navigating Life's Surprises with a Trusted Partner can help.

While numbers and projections can offer guidance, real life often brings changes that can affect your plans. It's important to stay flexible and adjust your strategies as needed. Having a trusted advisor by your side to help navigate these changes and make all the difference, ensuring you stay on track for the retirement you envision—one that is low-stress and full of enjoyment.

Retirement distributions tend to be irregular, rather than consistent or linear.

Although many retirees establish regular monthly distributions from their retirement accounts, we never know when “life” is going to happen. You might need to pull out extra funds to purchase a new vehicle, or fund a home improvement project, or help your children out with a large purpose. Whatever the reasoning or event might be, we are happy to help evaluate the tax consequences and the overall impact to your financial plan.

As in any great journey, there are a few things beyond anyone’s control.

We can’t predict exactly where tax rates will go, how the markets will perform, the twists and turns in the economy, or the path of future health. But here’s the good news: One can control their reactions with thoughtful planning and proactive adjustments, these unknowns don’t have to disrupt your plans. We build your financial strategy with resilience in mind, ensuring it’s flexible enough to coach you through life’s changes. As your trusted partner, we’re here to monitor your progress, make adjustments, and keep you on track, so that you can stay focused on living your best retirement life.

Planning for your retirement in segments can help greatly. We utilize the segments of “Go Go Years,” their “Slow Go Years,” and their “No Go Years.”

These terms describe 3 stages in retirement. Each of these stages highlights different challenges and opportunities for retirees, which is why careful retirement planning is important to ensure that financial and healthcare needs are met as life stages change. In these periods we will plan to spend more earlier while you are healthier and able to travel and enjoy your freedom. And in the No Go years, you might be less active, but Healthcare needs might be greater.

Meet Us

Founded in 2021, Willett Wealth Planning is the culmination of over 50 years of combined experience in helping clients with their unique financial needs. Before starting the firm, our team spent more than a decade working together at a previous firm, where we developed a clear vision of the client experience, we wanted to offer. Over time, we realized that to bring that vision to life, we needed the freedom to implement creative and personalized strategies. That’s when we made the leap to Cetera Advisor Networks and launched Willett Wealth Planning, opening new possibilities for both us and our clients.

Moving to Cetera allowed us to work as fiduciaries, giving us the independence to offer a wide variety of investment vehicles tailored to our clients’ specific needs. This shift also gave us the flexibility to choose who we work with and how we help them. We now focus on pre-retirees and retirees with $300,000 or more in investable assets, providing them with personalized retirement planning and financial management. What sets us apart is our commitment to building genuine relationships with nice people who value professional guidance. Our partnership is a unique blend of complementary skill sets, allowing us to offer a well-rounded approach to financial planning. With decades of experience, we have honed our ability to simplify the complexities of retirement planning. We understand how over whelming the transition into retirement can be, and our process is designed to guide clients every step of the way, anticipating and planning for theu nexpected. From financial projections to adjusting for life’s uncertainties, we’ve seen a lot, and we’re prepared to help our clients navigate any challenges that may arise.

At Willett Wealth Planning, we prioritize convenience and flexibility, offering virtual meetings as our preferred method, or in-person sessions at our office in the heart of Old Town Orange, California. Our goal is to make the retirement planning process seamless and stress-free, so you can enjoy peace of mind as you enter this exciting chapter of life.

David Willett, AIF

Founder, Financial Advisor

Tom Bennett, CFP

Operations Director, Financial Advisor

Our Core Investment Management Principals

Imagine yourself 20 years from today, looking back at your financial journey. If only we had the power to see that far ahead, we could tell you exactly how to invest right now. But the truth is, we're not clairvoyant, and chances are, neither are you. Every day, there’s uncertainty. How do we know if today is the right day to buy or sell? To shift your portfolio strategy? Or to make any major changes? That’s where we come in. Managing your hard-earned money is a serious responsibility, one we treat with the utmost care. Every person we work with is unique, and so are their goals. Your personal story, dreams, and plans for the future shape our advice. Drawing on over 50 years of combined experience in managing money, we make decisions that honor your individuality and help you move toward the future you envision. Our role is to walk with you through each step, offering personalized advice rooted in wisdom, so you can feel confident no matter where the market leads.

Here are a few of our corefoundational beliefs when it comes to providing excellent asset management:

Planning for your income - is critical for enjoying your active life style today and tomorrow. When do you anticipate needing to supplement your income? How much will you need, and for how long? What rate of return will help sustain your financial freedom? We start with these questions, helping you build a strategy that works now and adjusts as your life style evolves. Together, we'll create a personalized plan to guide us in making smart decisions so you canstay confident about your income and enjoy life fully.

Segmenting your assets based on when they are needed - To balance higher risks, we may use a bucket strategy, separating your funds into segments designed to meet your needs for today’s active life style understanding in later years we may slow down some expenses. This approach helps build your peace of mind, ensuring your portfolio supports both your current and future financial goals.

Behavior matters - Coaching our clients to continue working the plan, through all the cycles of the economy and all the fads and fears of the market is 80% of our job.

Markets work. In the long run. We spread your investments across different types of assets to reduce the risks that come from relying on just one. The stock market does a good job of reflecting the latest information and investor expectations. No matter how your money is invested, we’ll regularly check and adjust your investments to make sure they stay on track.