Protect and grow the wealth you worked hard to build.
Retirement income, legacy, and long-term care planning for pre-retirees and retirees — grounded in education, not sales pressure.
About Us
What Truly Matters
"At RidgeTop Advisors, our belief in education and planning has been the foundation of my clients' retirement success." — Anarion Wittler
People Matter
Every person has incredible value and deserves respect and honor. People First, Money Second is a priority statement that places people and relationships ahead of financial matters.
Integrity Matters
Integrity and truth matter. We conduct our business in a way that is above reproach. Suitability and ethical practice come from placing a high value on other people and their needs before our own.
Communication Matters
Communication builds and maintains the trust that business relationships need to reach their full potential. Our clients deserve communication that is frequent, timely, truthful, and relevant.
Service Matters
Good service is practical; great service is necessary. We pursue perfection and, in doing so, "catch a little excellence along the way." — Vince Lombardi
Our Services
Confidence. Security. Peace of Mind.
Our approach goes beyond traditional financial advising. We'll guide you in understanding the realities and risks ahead, helping you avoid losses. Together, we'll explore the strategies and financial tools best suited to your needs.
- Retirement Planning
- Retirement Income Planning
- Tax-Aware Retirement Strategies
- Volatility Protection Strategies
- Maximizing Social Security
- Legacy & Long-Term Care Planning
- Reviewing Life Insurance Coverage
Why It Matters
This is what a good plan protects
About Anarion Wittler
Owner & Advisor
Anarion spent his earlier career in disaster mitigation and protection, with a primary focus on safeguarding and preserving estates, properties and — most importantly — families. That work taught a simple truth: the families who come through a crisis well are the ones who planned before it arrived.
Today he brings that same mindset to retirement — helping people protect and grow their wealth with insurance and annuity strategies for guaranteed retirement income, legacy planning, and long-term care preparedness.
"My goal is that everyone involved understands their best strategies — and why they're the best — before anything is signed. People first, money second."
Licensed Insurance & Annuity Advisor
CA Insurance License #4326885 · NPN 20870213
Based in Carmel-by-the-Sea · Serving clients throughout California
How It Works
Three steps to a plan you actually understand
Complimentary Review
About 45 minutes, by Zoom or in person. We look at your retirement picture — income, Social Security timing, taxes, and what you want to leave behind. No cost, no obligation.
Education & Options
We walk through the strategies that fit your situation in plain English — so everyone involved understands the options and why one fits best. You'll never be asked to sign anything you don't fully understand.
Your Plan, Your Pace
When you're ready, we put the plan in place and stay with you — annual reviews, real answers when life changes, and a direct line to Anarion. People first, money second.
Independent & Carrier-Neutral
We work for you — not an insurance company
Independent
RidgeTop Advisors is not owned by, or captive to, any insurance carrier. No quotas, no house products.
Highly Rated Carriers
We compare products from strong, highly rated insurance companies and match them to your situation — the carrier earns its place in your plan, not the other way around.
Suitability First
Every recommendation is measured against your needs, timeline, and comfort — and we'll tell you plainly when the right answer is to do nothing.
Find clarity with your wealth and confidence in your retirement.
A complimentary review takes about 45 minutes — by Zoom, or in person at our Carmel or Santa Cruz offices. No cost, no obligation, no pressure.
Schedule a Call TodayContact
Get in Touch
Phone
Offices
100 Clock Tower Place, Carmel, CA
325 Soquel Ave, Santa Cruz, CA
Licensing
CA Insurance License #4326885
National Producer Number 20870213