What Lindberg & Ripple does

Lindberg & Ripple is an independent investment and insurance advisory firm founded in 1984 by Chuck Lindberg and Ezra Ripple, headquartered in West Hartford, Connecticut, with a second office in Palm Beach Gardens, Florida. Owned by a third generation of Managing Principals (Carl J. Peterson, Anthony T. Pace, and Nancy L. Shepard), the firm delivers three core service lines: Wealth Management, Life Insurance Solutions, and Employer Services, targeting high-net-worth and ultra-high-net-worth individuals and families, corporate executives, and business owners, with employer-side work also serving corporate and public sector clients.

The service platform combines Wealth Management (investment consulting, advanced planning covering wealth enhancement, protection, transfer, and charitable giving, and relationship management), Life Insurance Solutions (institutionally-priced policies designed for estate tax liability, wealth transfer, and executive benefits, sourced through the M Financial Group Member Firm network), and Employer Services (retirement plan advisory via RPAG, executive benefits, and employee benefits consulting). The technology stack is third-party: Pershing LLC (BNY Mellon) for primary custody, Charles Schwab as a secondary custodian, Black Diamond for investment reporting, eMaplan for planning and document vault, and RPAG for retirement plan analytics across 90+ providers and 25,000+ investment options. Securities services are delivered through M Holdings Securities, Inc. (FINRA/SIPC); investment advisory services through LRI Investments, LLC (an SEC-registered investment adviser in Connecticut). No proprietary software, AI, or APIs are disclosed.

Revenue is generated through (a) recurring investment advisory fees on client portfolios via LRI Investments, (b) transaction-based insurance commissions on life insurance placements, (c) professional services fees for employer benefits and retirement plan consulting, and (d) securities-related revenue routed through M Holdings Securities. The go-to-market is relationship-led and referral-driven, supported by content marketing and the firm's first CMO (hired 2022), with distribution concentrated at the two physical offices but extending nationally to select HNW clients. Pricing is customized and quote-based rather than tiered, and the firm is privately held with no disclosed funding, AUM, or revenue.

Name

Lindberg & Ripple

Legal name

Lindberg & Ripple

Website

https://linrip.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Lindberg & Ripple is a privately held, third-generation independent advisory firm providing wealth management, life insurance, and employer benefits services to high-net-worth individuals, families, executives, and business owners across the United States.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Investment Advice (6282), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA), Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Wealth management services
• Investment advisory
• Life insurance solutions
• Estate planning
• Retirement plan advisory

Headquarters

HQ city

West Hartford

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Investment Advisory Fees: Fee-based investment advisory services provided through LRI Investments, LLC, a Registered Investment Adviser. Revenue generated from managing client portfolios with transparency and alignment with client interests.
2. Insurance Commission Revenue: Commissions from placing life insurance policies for wealthy and ultra-wealthy clients. The firm has access to multiple carriers and institutional pricing through M Financial, allowing them to find individualized solutions at competitive prices.
3. Employer Services and Benefits Consulting: Retirement plan advisory, employee benefits consulting, and compliance services for corporate clients, public sector entities, and employers offering executive benefit programs.
4. Securities Services: Securities offered through M Holdings Securities, Inc., a registered broker/dealer and investment adviser, member FINRA/SIPC, providing additional revenue through securities-related services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Lindberg & Ripple is an independent investment and insurance advisory firm providing customized wealth management, institutionally-priced life insurance solutions, and employer services to high-net-worth and ultra-high-net-worth individuals, families, executives, and business owners. The firm delivers investment consulting, advanced planning, estate-tax-driven life insurance acquisition, retirement plan advisory, and employee benefits consulting through dedicated advisor teams in West Hartford, CT and Palm Beach Gardens, FL.

Product overview

Lindberg & Ripple operates as a third-generation independent investment and insurance advisory firm established in 1984, offering a unified financial services platform comprising three core service lines: Wealth Management, Life Insurance Solutions, and Employer Services. The Wealth Management division (led by Managing Principal Anthony T. Pace, CFP) provides investment consulting, advanced planning, and relationship management for affluent families and individuals. The Life Insurance Solutions practice (led by Carl J. Peterson) specializes in acquiring institutionally-priced life insurance for ultra-high-net-worth clients through the firm's M Financial Group partnership. Employer Services (managed by Joseph D. Spurgeon, MHA) delivers retirement plan advisory, executive benefits, and employee benefits consulting. Supporting sub-service modules include Investment Consulting, Advanced Planning (wealth enhancement, protection, transfer, and charitable planning), Relationship Management, Retirement Plan Advisory, Executive Benefits, and Employee Benefits administration. The firm serves clients through custodians Pershing LLC and Charles Schwab, with technology support from the RPAG retirement plan platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Wealth Management
• Life Insurance Solutions Specialized life insurance acquisition and management services for ultra-high-net-worth individuals providing institutionally-priced policies through M Financial Group partnerships, designed for estate tax liability funding, wealth transfer, and executive benefit planning.
• Employer Services Comprehensive retirement plan and employee benefit advisory services including plan design, vendor management, compliance support, employee education, and executive benefits programs for businesses, public sector entities, and organizations.

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered flagship, core and secondary.

• M Financial GroupflagshipStrategic or Co-development Partner · 1 January 1978Lindberg & Ripple is a proud member of M Financial Group, a premier financial services firm serving high-net-worth individuals, corporate executives, successful entrepreneurs, and Fortune 1000 companies. Founded in 1978, M Financial is collectively owned by over 140 independently owned Member Firms. The partnership provides access to institutional pricing, proprietary insurance and investment solutions, and a network of seasoned professionals. M Financial has long-standing relationships with industry-leading life insurance carriers, investment firms, and business partners to deliver differentiated products exclusively for M Member Firm clients.
• Pershing LLC (BNY Mellon)coreTechnology or IntegrationLindberg & Ripple has chosen Pershing LLC as the primary custodian for client assets. Pershing LLC, a BNY Mellon company, has been a leading global provider of financial business services for over 75 years. Pershing has approximately $1.8 trillion in global financial assets and net capital of over $2 billion. BNY Mellon has $35.2 trillion in assets under custody or administration. As the world's largest global custodian, Pershing provides rigorous internal controls, annual audits from independent audit firms, and SIPC protection up to $500,000 (including $250,000 for cash claims) plus excess coverage through Lloyd's.
• Charles SchwabsecondaryTechnology or IntegrationIn recognition of client desire for choice and diversification, Lindberg & Ripple maintains a secondary custodial relationship with Charles Schwab. Charles Schwab has been helping independent advisors custody assets for over 30 years, has $1.3 trillion in assets under management and $3 trillion under administration. Schwab provides an industry-leading technology platform enabling easy client access and account analysis.
• Retirement Plan Advisory Group (RPAG)coreTechnology or IntegrationLindberg & Ripple has selected RPAG as the technology and resource solution for their employer-sponsored retirement practice. With more than 40,000 retirement plans served and over 500 elite retirement practitioners across the US, RPAG offers unbiased investment analytics and reporting tools. Over 90 providers and more than 25,000 investment options are monitored on the RPAG platform, enabling streamlined fee and plan-design benchmarking for retirement plan clients.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Brightworth: Independent, fee-only wealth management firm offering comprehensive financial planning, investment management, and life insurance coordination for HNW clients, with complementary CPWA/CFP talent. Comparable in holistic wealth + insurance integration for affluent families and executives.
• Modera Wealth Management: Independent RIA providing comprehensive wealth management, retirement plan advisory, and estate planning for HNW individuals and corporate clients. Similar in size, independent structure, and integrated wealth + retirement-plan service model.
• Signature Estate & Investment Advisors (SEIA): Independent investment advisory firm providing wealth management, estate planning, life insurance, and corporate retirement plan services to HNW clients. Highly comparable given integrated wealth + life insurance + employer services model.
• Halbert Hargrove: Long-standing independent wealth advisory firm serving HNW individuals, families, and business owners through fee-based advisory and integrated planning. Highly comparable in boutique independent positioning, multi-generational client focus, and West Hartford-adjacent geography.
• Homrich Berg: Independent, employee-owned wealth management firm serving HNW families and institutions with fee-only advisory, financial planning, and institutional investment solutions. Matches Lindberg & Ripple's independent-ownership ethos and comprehensive planning offering.
• Cresset: Multi-family office serving UHNW families with integrated wealth strategy, investment management, and lifestyle services. Comparable in UHNW focus, multi-generational planning depth, and provision of institutionally-priced insurance solutions.

Broad incumbents

• Carson Group: Large independent financial services ecosystem serving advisors and their clients with wealth management, insurance, and business-coaching platforms. Comparable in advisory-plus-insurance integration but operates as a scaled platform rather than a boutique.
• BNY Mellon Wealth Management: Large institutional wealth manager offering investment management, trust, estate, and family office services, and the parent of Lindberg & Ripple's primary custodian (Pershing). Overlaps in HNW/UHNW advisory and custody relationships.
• Creative Planning: One of the largest independent RIAs, offering wealth management, estate planning, tax, and retirement plan services nationally. Overlapping in full-service RIA capabilities but at materially greater scale than Lindberg & Ripple.

Emerging players

• Sanctuary Wealth: Partnership-model platform enabling independent advisors to access institutional resources, investment solutions, and insurance platforms. Comparable in independent-RIAs-with-insurance integration, though structured as a partnership network rather than a single firm.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/linrip

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lindberg & Ripple