Ripple Effect Investment Strategies, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ripple Effect Investment Strategies, LLC reports a client focus on one‑on‑one individual relationships rather than pooled or institutional mandates and stated zero assets under management as of the brochure date. The firm provides individualized financial planning, tax‑return preparation, and public educational seminars, and discusses insurance and investment products for clients to consider.
The firm delivers written financial plans that address income, taxes, insurance, estate matters and investment allocation, using tools described in the brochure such as charts and fundamental, technical and cyclical analysis. It operates under fixed, negotiated planning fees rather than percentage‑of‑assets charges, does not take custody of client assets, and does not exercise discretionary trading authority.
Noteworthy for a firm categorized as an investment manager, the brochure discloses an appointment as an insurance business entity and ongoing agency affiliations that permit the firm to offer commission‑based life and annuity products while stating clients are not required to purchase those products. The firm also highlights in‑house tax‑preparation capability and a history of public seminars with several thousand attendees, and it explicitly avoids performance‑based fee arrangements common among peers.
Client services
Expertise
Fee options
Commission-based compensation for product sales, but clients are never required to purchase products
Fee-only: Fixed fees ranging from $997 to $7,500 plus, based on complexity and client needs
Main office
884 County Line Road W
Westerville OH 43082
Advisors at this office
1
Most active in
Ohio
Also doing business as
Cooper Real Estate Properties · Creative Wealth Systems · Oak Tree Retirement Concepts LLC · Ripple Effect Investment Strategies, LLC · Ripple Effect Investment Strategies, LLC Tax Preparation · Tim H Cooper, Crfa · Tim H Cooper, General Life Agent
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)