Circle Financial Planning - Financial Advisor in Indianapolis, IN | WiserAdvisor.com

Circle Financial Planning helps bring life to our client's dreams. We do this by providing wealth management, retirement plan rollover solutions and comprehensive financial planning. We work with the professionals, teachers, tradesmen and business owners who keep our economy moving. Founded in 1984, the Circle team is guided by a core set of values that define how we do business: Client-First, Wow Service, Team Oriented, Integrity and Opportunity. Our team has over 75 years of combined experience and hold professional designations such as the CFP&reg; and Accredited Portfolio Management Advisor. Circle has been profiled in Kiplinger, Forbes and Indianapolis Monthly.

Circle Financial Planning

President and CEO. A former high school math teacher, Rebecca founded the firm in 1984, and is our Senior Wealth Coach. She has achieved every top leadership honor bestowed by Money Concepts, which is a non-affiliated independent RIA/BD. This recognition includes being named President of the Year (2008) and the Living Legend Award (2014). In 2022, she became one of only 26 advisors nationally who have been named a Five Star Wealth Manager, nine times. 
Rebecca says, "as a Wealth Coach it gives me great joy to help our clients achieve the retirement of their dreams." Becky is also a big Colts fan and the most avid pickleball player you will ever meet.

COO and Wealth Coach. Mark brings 25 years of diverse financial services experience. Starting at Northwestern Mutual, he moved to Money Concepts to launch financial planning centers in banks in East Central Indiana. Later he became Assistant VP of Trust Development at First Merchants Bank. With these experiences, Moss consulted with financial services companies nationally on topics of advisor training. He continued in Advisor Training with the companies of OneAmerica as their Field Director of Leadership Development. In 2017 he became part of the ownership team at Circle. Mark has been named a Five Star Wealth Manager in 2021, 2022 & 2023 -- a recognition bestowed on only 9% of area wealth managers. 
Mark enjoys serving in his church, loves tennis and sporting clays, and appreciates a good sense of humor.

As Director of Operations and Client Experience, Dan makes sure that Circle is easy to do business with. As an Accredited Portfolio Management Advisor, he assists in our portfolio creation and management. 

Prior to joining Circle, Dan was an Investment Advisor with BMO Harris, where he was promoted to Regional Manager. Prior to that Dan was a Customer Service Representative with American Funds. He also holds Series 7 & 66 licensure. 

We are glad to have Dan's good humor and experience on our team. On weekends you might hear Dan playing in his popular brass band!

With a degree in financial counseling from Purdue and several years working with clients, Sam began his career as an intern with the Financial Planning Association before joining a firm in Northern Indiana. He moved back to his hometown in Indy and joined Circle in 2022 as our Associate Wealth Coach. Sam holds licensure with the Indiana Department of Insurance and with FINRA as an Investment Advisor Representative. 

He is an avid sports fan and fisherman!

Michael joined Circle in 2021, after working at Three Rivers Credit Union in northeast Indiana. He graduated Ball State University with a B.S. in Finance, and a minor in Financial Planning. Michael's ability to connect and be a truly helpful presence on the other side of the phone has drawn the praise of many of our clients. To this end, Michael was promoted to Relationship Manager. He also carries insurance licensure and the FINRA Series 65, Investment Advisor Representative licensure. 
Michael is newly wed to his high school sweetheart, Ashlyn.

We are not mutual fund wrap account managers. Rather, our open architecture offers a range of investments, investment managers, and tailored portfolios to meet investor needs as they evolve over time.  We bring our clients access to portfolios and management services usually reserved for high-net-worth individuals.  We endeavor to increase investment transparency, reduce volatility, and minimize cost.

We answer questions people have about retirement, such as: Will I have enough to retire? When should I take Social Security? What pension option should I take? Will my spouse be ok if something happens to me? Should I have a trust? How do I cover health insurance if I retire before 65? How do I create lifetime income? 
We answer these questions and many more like them! We find out what is important to you, what values and goals you have with your retirement, and we put a plan together to help you get there. By employing a variety of planning concepts and strategies, we help our clients have less stress and more enjoyment with their money.

Sometimes it's good to leave your plan with your employer.  Other times not.  We review all your options. When rolling over makes sense, we have numerous independent options to choose from.  Often, we can diversify your rollover into more than one account or leverage different strategies to help you meet different goals and risk preferences.

Our tools inform you about what any college in America costs now, and factors inflation to project future need.  We can help you understand and implement the various investment plans and strategies to save for college in a tax-favored way, position assets for optimal financial aid, and provide educational resources for FAFSA and scholarship research.

At Circle we believe we are unique among some of our peers by offering holistic financial planning.  We don't merely include a plan if you invest with us.  As fiduciaries, we help our clients address & annually review all four quadrants of financial planning:  Cash Flow Management, Tax Planning, Investment Management, and Risk Management.  We endeavor to do this is a way that connects family, your values and finance.

This area is often the most overserved or most underserved area in financial services. 
Insurance-based advisors are judged by how much they sell, so the first place they look for every solution is the product they must move. To make a profit and meet their quotas they must sell insurance and annuities. 
At the other end of the spectrum are advisors who are really just investment managers. To make a profit they want assets under management, and loose fees if those dollars go to insurance products like annuities. And they get turned-off by the cost or complexity of such products. With both kinds of advisors, objectivity is compromised. 
Financial Planners, on the other hand, are being negligent if they don't educate themselves on these products and objectively discuss risk management with their clients. Therefore, we will not arbitrarily limit or the withhold the use of any risk management tool that can best meet our clients' goals.

Circle is an independent firm.  We do not offer any proprietary products.  We represent our clients to the companies and services available vs, representing a product line to our client.

Circle Financial Planning

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