As a diverse and passionate team, we share a common passion for helping individuals and families plan for their financial future. Our highest priority is to create personalized outcomes that provide our clients with predictable, reliable, and sustainable income. Influenced by the industry’s professionals, we are determined to serve others, consistently placing our client’s best interests ahead of our own. As an independent adviser, John Ripley has the fiduciary responsibility to act in his clients’ best interest when offering or recommending investment advisory products and services. This means that within his capacity as an investment adviser representative, he is obligated to disclose any conflicts of interest when offering investment products.
Our team has been serving clients for several years, and we are honored to experience the joy of helping people from all walks of life work to improve their financial outcomes.
Our underlying standard of care, excellence, and kindness drives our daily commitment to pursue excellence on behalf of those we serve. As an independent firm, we strive to grow in professional skill and industry insight. Each team member is equipped with unique talents, which allows us to serve our clients with a broad range of knowledge, tailored plans, and a more personalized experience.
While we strive to ensure that each family understands that
Income Is The Outcome That Matters Most In Retirement,
we live by the motto;
“We help you make memories, not just money!®”
John has been serving clients in the financial services arena since 2003, when he launched a mortgage company in Orlando, Florida. He hosted a financial radio program, “Your Home, Your Money,” heard across Florida for many years. Now, as a nationally recognized and sought-after seminar speaker, John shares a message of hope in a fun and compelling way. He also serves our team as the principal communicator at our Retirement Income Workshops held across the U.S., where we teach business owners and attendees from all sectors how to create streams of predictable and reliable lifetime income.
John served as a United States Marine Officer and is honored to be an Investment Advisor Representative at Smarter Retirement Solutions leading our team of advisors across the country. As our company grows to meet the increased demand for quality and thoughtful retirement advice, John provides oversight of our expansion. Proud to support Smarter Feds retirement workshops across the U.S., John empowers federal employees to maximize their benefit and live their retirement dreams. John appears in this year’s “Retirement Planning” edition of Kiplinger’s magazine and has been seen on ABC, CBS, NBC, and Fox on the “Retire Happy Hour” television program.
Happily married to husband John in June 2017, Stacey joined the Smarter Retirement Solutions team soon after as Director of Client Success and now leads our client experience process and supports our multi-state team. She has since founded Smarter Feds, LLC, an approved government contractor, to provide benefits and retirement training for federal employees nationwide and overseas. This invaluable federal benefits education serves to increase the financial literacy and services provided to federal employees.
An active FAA Air Traffic Controller, John joined Smarter Retirement Solutions to serve clients in Texas and the central U.S. His strong knowledge and understanding of market trends and risk management contributes to our team’s ability to develop well-informed retirement income strategies for our clients.
He passionately serves clients around the USA and has natural expertise in serving federal employees with a Special Provision Retirement. Based near Houston, he keeps the airspace safe for travelers in the Southeast USA and spearheads our service to federal employees in the Central Texas region.
Melissa Clapham brings over a decade of experience in education to her role as an Executive Assistant, having spent 13 years as a dedicated teacher before transitioning into the corporate world. Her background in education has equipped her with exceptional organizational skills, attention to detail, and the ability to anticipate needs—qualities that are invaluable in supporting executive leadership and managing complex workflows. Melissa is calm under pressure, and her strong communication skills make her a trusted partner in any fast-paced environment.
Originally from Cincinnati, Ohio, Melissa has been happily married to her husband, Craig, since 2010. They are proud parents to their 10-year-old daughter, Lily, and enjoy spending their free time together exploring the city and cheering on their favorite team, FC Cincinnati. Whether coordinating executive schedules or weekend soccer games, Melissa brings the same level of enthusiasm and precision to everything she does.
Terry, President of Replica Wealth Advisors, has been serving his clients for the past 18 years in Colorado Springs and the Greater Pikes Peak area. He brings his joyful countenance to bear in every situation. A calculating and thoughtful income planner, Terry enjoys his craft and the results of lifetime income solutions. He and his wife Sherry have been married for 33 years, live in Colorado Springs, CO, and have two daughters and six grandchildren. They love outdoor sports and serve in their local church. Terry has climbed half of Colorado’s 14,000-foot mountains. Terry leads our service to federal employees in southern Colorado and the greater Colorado Springs Pikes Peak region.
Located in Kennesaw, GA The Research and Support team members are individuals working directly for an independent third-party firm The Impact Partnership. Smarter Retirement Solutions and The Impact Partnership are separate entities and are not affiliated with nor controlled by Smarter Retirement Solutions. The Research and Support team has a limited role on an as-needed basis.
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