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® and Accredited Portfolio Management Advisor. Circle has been profiled in Kiplinger, Forbes and Indianapolis Monthly.
|Firm Start Year:
|No. of Employees:
|2201320, 1383680, 879846, 3814087
|Name of Broker/Dealer:
|Money Concepts Capital Corporation, Money Concepts Advisory
|Name of Custodial Firm:
|States Licensed in:
|IN, OH, FL, TN, VA, AZ, CA, IL, KY, MI, NY, TX
|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 and Accredited Portfolio Management Advisor. Circle has been profiled in Kiplinger, Forbes and the IBJ.
|Work with the following types of clients:
|Businesses, Individual Investors
|Advisory Services Provided:
|Investment Advice & Management, Financial Advice & Consulting, Financial Planning for Businesses, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, Wealth Management, Estate Planning & Trusts, 401K Rollovers
|Alternative Investments, Bonds, Stocks, Annuities, Insurance, Mutual Funds, Exchange Traded Funds (ETFs)
|Can meet clients in the following ways:
|Our Office, Video Conference
Qualifications & Memberships
|Insurance and Annuity Licenses:
|Disability, Annuity, Health, Life, Long Term Care, Variable Life, Variable Annuity
|Firm's Number of Clients:
|Advisor's Number of Clients:
|Advisor's Number of Planning Clients:
|Assets Managed by Advisor:
Compensation and Fees
|Based on Assets, Flat Fee
|Fee % Based on Assets:
|.5% to 2%
|Additional Details on Charges:
We are fee planners. Since we work with the professionals, teachers, tradesmen and small business owners who keep our economy strong (vs. focusing exclusively on High-Net-Worth clients), we offer several levels of engagement that serve a greater variety of people.
Planning clients pay an annual "coaching" fee for services provided, based on the complexity of what is needed. We don't require our clients to have their assets managed though us and many do not, preferring to have advice and execution separated. Others limit their engagement to investment management. Our investment management fee is based on assets under management.
If risk management tools are part of a clients planning (where commissions could be involved), those charges are disclosed to the client. We can work with their agent or deal directly.
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?
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.
|Education Funding and Planning
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.
|Financial Advice & Consulting
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.
What are your qualifications? What is your education background?
Our team of 5 financial professionals have over 75 years of combined industry experience. All hold relevant degrees and are fully licensed: 1. Rebecca Muller, CFP, CFS, won the Living Legend award by Money Concepts, and is 1 of 26 advisors nationally who has been named a 5-Star Wealth Manager 9 times. 2. Mark Moss, RFC is a 25-year veteran and our Chief Operating Officer. Twice named a 5-star Wealth Manager. 3. Sam Ellsworth, CFP candidate. Associate Wealth Coach. B.S. in Financial Counseling from Purdue 4. Michael Lantz, licensed Relationship Manager. B.S. Degree in Finance and Financial Counseling at Ball State
How are you compensated? How will I pay for your services?
We are fee-based. Unlike firms who are exclusive to the high-net-worth, we offer multiple avenues of engagement since we serve a broader audience. See our profile for more information.
If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Absolutely! This is required in any kind of brokerage relationship. However, most of our investment management clients engage in an investment advisory service that meets their risk tolerance and investment objectives. Doing so subsequently alleviates that worry.
How many clients do you currently manage?
About 250. Some of whom we've met with for decades and are like family. We'll treat you the same way!
Will you be the only person working with me?
We take a team approach. This way every client, every plan, and every recommendation is discussed with a panel of advisors with different knowledge and experience. Doing so leverages that knowledge and experience for each client's benefit. This approach also brings consistency to the relationship so that our clients and their history and goals and values are known to more than 1 person.
WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
Additional Detailed Disclosures
|All Securities Through Money Concepts Capital Corp. Member FINRA/ SIPC. Circle Financial Planning is an independent firm not affiliated with Money Concepts Capital Corp.
Investment Advisor Representative:
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
|9:00 AM - 5:00 PM
|9:00 AM - 5:00 PM
|8:30 AM - 6:00 PM
|8:30 AM - 6:00 PM
|9:00 AM - 3:00 PM
|With zoom we can work wherever our clients or their family live or move to. Circle owns our own building, located in northeast Indianapolis, and we serve the neighboring counties.