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.
Rebecca Muller
CFP®, CFS
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.
Mark Moss
RFC®
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.
Dan Nitsch
APMA®
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!
Sam Ellsworth
CFP® Candidate
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 Lantz
Licensed Relationship Manager
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.
General Information |
| Firm Start Year: | 1984 | |
| No. of Employees: | 5-9 | |
| Insurance License#: | 2201320, 1383680, 879846, 3814087 |
| Name of Broker/Dealer: | Money Concepts Capital Corporation, Money Concepts Advisory |
| Name of Custodial Firm: | Pershing, LLC |
| States Licensed in: | IN, OH, FL, TN, VA, AZ, CA, IL, KY, MI, NY, TX |
| Work Experience: | 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 |
Services |
| Investment Types: | 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 Information |
| Firm's Number of Clients: | 250 |
| Advisor's Number of Clients: | 250 |
| Advisor's Number of Planning Clients: | 200 |
| Assets Managed by Advisor: | $100,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Compensation Methods: | 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. |
Financial Services |
| Portfolio Management
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. |
| Retirement Planning
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? |
| 401K Rollovers
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. |
| Wealth Management
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. |
| Risk Management
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. |
FAQs |
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. Dan Nitsch, Accredited Portfolio Manager or APMA. Finance Degree from Ball State 4. Sam Ellsworth, CFP candidate. Associate Wealth Coach. B.S. in Financial Counseling from Purdue 5. 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. |
Disclosures |
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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. |
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Additional Detailed Disclosures |
Disclaimer |
| All Securities Through Money Concepts Capital Corp. Member FINRA/ SIPC. Circle Financial Planning is an independent firm not affiliated with Money Concepts Capital Corp. |
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 8:30 AM - 6:00 PM |
| Thu. | 8:30 AM - 6:00 PM |
| Fri. | 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. |
| Check | Bank Transfer |
| Visa | MasterCard |
| American Express | |
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