Last updated: August 10, 2026
These Terms of Service ("Terms") govern your use of the RidgeTop Advisors website (ridgetopadvisors.com, the "Site") and the communications programs described below. By using the Site or opting in to our communications, you agree to these Terms.
1. Who We Are
RidgeTop Advisors is an independent financial services firm helping individuals create retirement strategies using a variety of insurance products. Anarion Wittler is a licensed insurance producer — CA Insurance License #4326885, National Producer Number 20870213. We do not offer securities or investment advisory products or services.
2. Informational Purposes Only
Content on this Site is provided for general educational and informational purposes only. It is not a solicitation to buy or sell any product, and it should not be used as the sole basis for financial decisions or construed as advice designed to meet the particular needs of an individual's situation. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
3. SMS/Text Messaging Program
By providing your mobile number and opting in, you consent to receive appointment reminders, service messages, and occasional informational texts from RidgeTop Advisors. Consent is not a condition of purchase.
- Message frequency may vary.
- Message and data rates may apply.
- Reply STOP at any time to opt out. Reply HELP for help, or contact us at Anarion@ridgetopadvisors.com or (831) 260-8016.
- We do not sell or share mobile numbers, SMS consent, or message data with third parties or affiliates for their marketing or promotional purposes. See our Privacy Policy for details.
4. Scheduling & Communications
Appointments booked through this Site are handled by our scheduling provider (Calendly). Email and phone communications you initiate through the Site will be used to respond to your inquiry.
5. Intellectual Property
The Site and its content are the property of RidgeTop Advisors, except for third-party logos and trademarks, which are the property of their respective owners; no endorsement of the advisor or firm by those owners is stated or implied.
6. Limitation of Liability
The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, RidgeTop Advisors will not be liable for any damages arising from your use of the Site or reliance on its content.
7. Changes to These Terms
We may update these Terms from time to time. Changes are effective when posted on this page, and your continued use of the Site constitutes acceptance of the updated Terms.
8. Contact
Questions about these Terms: Anarion@ridgetopadvisors.com · (831) 260-8016 · RidgeTop Advisors, Carmel, CA.