The idea began in 2016 when Rob and his wife, Jessica, wanted to support their sons’ school in a meaningful way. Despite the school’s rich history and clear impact, it relied heavily on repeated annual gifts—just like most small nonprofits in the U.S., which typically lack any significant endowment.

Rob set out to create a model that was simple, dependable, and grounded in legal and financial certainty, not on hope or promises. Drawing on his expertise in estate law and life insurance strategies, he spent five years refining the concept. Along the way, he worked with outside counsel, tax experts, and longtime professional colleagues to ensure the model was both legally sound and scalable.

The results were profound. By using The Ripple Plan, Rob and Jessica were able to create a guaranteed $14.5 million future endowment for their sons’ school, providing financial sustainability for generations to come.

The plan can be duplicated over and over again, creating a ripple effect.