A Loveland Firm Built on Relationships, Not Transactions

Since 1996, Summit Financial Group, Inc. has helped Loveland-area families and business owners prepare for retirement, create income from their savings, and make important financial decisions across generations.

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Three Decades of Serving Local Families

Founded in Loveland, Still Locally Owned

Summit Financial Group was founded in 1996 by Scott Moffitt, who built the firm one relationship at a time through retirement and financial-planning seminars across the Cincinnati area. Three decades later, the firm remains locally owned and guided by the same philosophy: understand the client first, explain the options clearly, and build a plan around what the money needs to accomplish.

Retirement Is a Question of Income, Not Accumulation

During your working years, the goal is often to save and grow assets. Retirement changes the assignment. Those assets must now help provide income, address risk, preserve flexibility, and support the life you want to live.


This philosophy shapes the way Summit approaches retirement planning, investment decisions, and ongoing client reviews.

A Team Built Around Where You Are in Life

meet Your Team

Rather than one advisor trying to be everything to every client, each member of our team focuses on a distinct area, so you work with the person best suited to your specific situation.

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Scott Moffitt

Owner | Financial Planner


Scott works primarily with individuals and families approaching retirement or retired within the past several years, helping them transition from accumulating assets to creating a coordinated retirement-income strategy.

Meet Scott
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Max Ripperger, CFP®

Financial Planner


Max works with younger professionals and families who are building wealth, organizing their financial lives, and developing their first coordinated financial plan and assists individuals with their own 401(k) plans during their accumulation years.

Meet Max
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A Firm That Grows With Your Family

Relationships That Span Generations

Many Summit relationships begin with one financial decision and continue through retirement, estate planning, the death of a spouse, the sale of a business, or the financial needs of the next generation.


That continuity allows our team to understand not only the accounts, but also the family, the history behind past decisions, and the priorities that should guide future ones.

The Principles Behind Every Client Relationship

What We Value

We build relationships intended to last through changing markets, retirement decisions, family transitions, and the needs of future generations.

Straight Answers, No Jargon

We explain your options in plain language so you understand what you are deciding, why it matters, and how it fits into the broader plan.

Guidance Suited to Your Stage

Your strategy should reflect where you are in life—whether you are building wealth, preparing for retirement, creating income from your assets, or coordinating decisions across generations.

Accountability You Can Count On

We take responsibility for clearly explaining our recommendations, monitoring the plan, and helping clients adjust as their circumstances change.