Human Capital Wealth Management is a fee-only fiduciary firm for people who have worked hard, saved well, and want to know they are going to be okay. Most of my clients are at or near retirement, or building hard toward it. What they share is that they are done being sold to. As a fee-only fiduciary, I do not sell products and I do not earn commissions. You pay me directly, so I only ever sit on your side of the table. My focus is retirement income, tax strategy, and protecting the people you love, including steady guidance through the hardest transitions, like divorce in retirement or the loss of a spouse. That means turning what you have built into a dependable paycheck, keeping more of your money out of the IRS's hands through smart Roth conversion and tax planning, and investing with discipline using a low-cost, evidence-based approach instead of guesswork or hot tips. I keep my practice small on purpose, so when you call, you get me. If you have ever left a big-name advisor feeling like a number, this is the opposite of that. You built the wealth. My job is to help you keep it, grow it wisely, and enjoy it.

Drawing on nearly two decades of experience serving clients, Ryan helps you coordinate and prioritize your life and wealth goals to help you confidently catalyze financial freedom. Ryan helps you understand the big picture of how the various and competing components of your plan fit together while providing you with the clarity and detail you need to optimize your cash flow, reduce your taxes, avoid unnecessary risk and fully leverage your wealth to achieve your life goals and passions. Ryan is a CERTIFIED FINANCIAL PLANNER (TM) and graduate of Taylor University with a degree in Economics and Mathematics. He holds a master’s degree in Personal Financial Planning and has also studied International Economics at Oxford University in England. Ryan, his wife, Kathryn, and their three kids live in Carmel, Indiana, where they are active members in their local community. When away from the office, Ryan enjoys coaching sports, serving in the children’s ministry at his family’s church, playing basketball, hiking and biking with his family, and hopes to one day convince his wife to do an RV vacation out West. Catalyze Wealth Management provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth clients, retirement plans, trusts, estates, charitable organizations, and businesses. The firm integrates investment advisory services with legal- and accounting-adjacent offerings, including in-house tax and bookkeeping services and educational seminars, while primarily utilizing low-cost index funds and ETFs with a systematic risk management approach.

Edward Argus is the sole advisor at Argus Efficient Capital, LLC in Westfield, Indiana, holding Series 65 and 66 licenses with two years of industry experience. He serves as the Executive Director of the CFA Society Indianapolis and is an investment officer of risk at Indiana University Health. Prior to founding Argus Efficient Capital, he worked with SEI Family Office Services for 12 years. Argus Efficient Capital provides discretionary portfolio management to individuals, high-net-worth clients, and other advisers through customized Investment Policy Statements and dynamic asset allocation using ETFs and mutual funds. The firm integrates modern portfolio theory with quantitative and technical analysis, conducts monthly account reviews, and serves as a subadviser to unaffiliated advisers while adhering to a fiduciary standard for retirement accounts.

Brent Foster is a financial advisor at Northbound Wealth with 17 years of industry experience. He holds the Series 66 designation and has worked at firms including J.P. Morgan Securities and JPMorgan Chase. Outside of advisory work, he is the Founder and CEO of Foster & Friends LLC, which offers a podcast and marketing consulting, and the Owner and author at Northbound Stories, LLC, a children’s book publishing venture. Northbound Wealth serves individual clients, employer plan sponsors, charitable organizations, and other institutional clients. The firm employs a predominantly passive, Modern Portfolio Theory-based investment approach using low-cost index funds and ETFs, complemented by fundamental and technical analysis when appropriate, and maintains an active client-education program including seminars, speaking engagements, and media content.

Phil is the Founder and Principal of Servant Capital Advisors, LLC (“SCA”), a fee-only, independent, registered investment adviser based in Central Indiana. SCA provides investment advisory services, wealth management services, and family office services to high net worth families and individuals seeking a differentiated approach to maximize their wealth. Phil founded SCA with the goal to serve others: to share his twelve years of institutional investment management experience with investment partners, high net worth families and individuals to help them grow their net worth for the primary purpose of engaging in philanthropy through impactful charitable contributions. Prior to founding Servant Capital, Phil was a Principal at Centerbridge Partners, a hybrid private equity firm and hedge fund based in New York with $25 billion in assets under management, from 2008 to 2017. At Centerbridge he invested in and served on the board of directors of companies ranging in size from $100 million to $500 million in revenues across a diverse set of industries including financial services, consumer products, industrials, and real estate. Phil began his career in investment banking at Goldman, Sachs & Co. He graduated with high distinction from Indiana University with a B.S. in Finance and Accounting and earned his MBA from the Kelley School of Business at Indiana University. He is a CERTIFIED FINANCIAL PLANNER. Phil lives with his wife and four children in Carmel, Indiana. He enjoys reading, investing, and playing golf.

Joshua Zorger is a CFP® and Series 66-registered financial advisor with 22 years of industry experience. He is the sole advisor at Fortitude Private Wealth, where he has worked since 2017. Prior to that, he was affiliated with Level Four Advisory Services and LPL Financial from 2014 to 2017. Fortitude Private Wealth is a fee-only independent advisory firm providing discretionary investment management and comprehensive financial planning to individuals, high-net-worth clients, trusts, estates, charitable organizations, and corporate entities. The firm offers tailored investment programs and specialized ERISA retirement plan services, including pension consulting and fiduciary roles for qualified plans.

Daniel Reichart is a financial advisor at Evia Investment Advisors in Zionsville, IN, with 35 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Forest Securities, Inc. and Evia Investment Advisors. Evia Investment Advisors serves individual and institutional clients, providing discretionary portfolio management, financial planning, and investment consulting. The firm focuses on fundamental, bottom-up security selection combined with top-down asset allocation and risk management, typically managing portfolios of 30–45 holdings including dividend-paying stocks and individual bonds.

Mark Just is the principal of The Just Company in Indianapolis, IN, with 42 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Triad Advisors, Inc. for 17 years. Outside of his advisory work, he is involved in marketing through ownership of Just National Corp and educates individuals on debt reduction and financial planning via webinar presentations. The Just Company provides financial planning, investment portfolio management, and advisory services to individuals, corporations, small businesses, pension and profit-sharing plans, estates, and trusts. The firm serves clients including retirees, physicians, business owners, and corporate executives, using a tailored investment approach that incorporates market timing, technical and cyclical analysis, and various trading strategies.

Michael Morris is a CFA® charterholder and holds a Series 66 license, with 18 years of experience in the financial industry. He has been the sole advisor at Two Fish Management since 2008, operating out of Zionsville, Indiana. Two Fish Management provides discretionary portfolio management to high-net-worth and accredited investors, financial advisors, and institutional clients. The firm employs a combination of fundamental, cyclical, and technical analysis across multiple strategies, incorporating options, short sales, margin borrowing, and index hedges, and offers performance-based fee arrangements and pooled private investment vehicles.

Kregg Kiel is the principal of Kiel Investment Company in Carmel, Indiana, holding Series 65 and Series 63 licenses with 22 years of industry experience. He has worked at several firms including Corporate Finance Associates, where he is currently Managing Director, and has been operating Kiel Investment Company since 1997. Outside of advising, he is involved in business consulting and serves as a referral contact for a non-investment related company. Kiel Investment Company provides portfolio management, situational financial planning, and investment consulting primarily to individuals, companies, trusts, estates, and charitable organizations. The firm follows a market-based, long-term allocation strategy using ETFs for diversification and cost efficiency, and offers discretionary management alongside hourly and one-time consulting services.

Christy Gregory is a CFP® professional with 19 years of experience, serving as the sole advisor at SYCAMORE Asset Management, LLC since 2006. Based in Zionsville, IN, she holds a Series 65 license and focuses on providing comprehensive financial planning and investment recommendations. SYCAMORE Asset Management is a fee-only, independent firm that primarily serves individual clients, including high-net-worth individuals, as well as a small number of businesses, charities, and pension plans. The firm employs an investment approach based on Modern Portfolio Theory and the efficient market framework, utilizing broadly diversified mutual funds and third-party money managers to implement client strategies.

Justin Castelli is a CFP® with 19 years of industry experience and is the sole advisor at Santiago.Life, an independent registered investment adviser. He has worked at RL Wealth Management, L.L.C. since 2015. Outside of his advisory role, he owns RLS Threads, an online clothing store for financial advisors, and RLS Ventures, a consulting business focused on marketing for financial advisors. He is also co-owner of The Advisor Growth Community, an online network for advisors. Santiago.Life serves individuals, corporations, and small businesses with discretionary portfolio management, financial planning, and advisory consulting. The firm conducts educational seminars and speaking engagements and manages client accounts using proprietary and third-party asset-allocation models with ongoing monitoring and monthly rebalancing.

Leslie Michael is a financial advisor at Michael Associates, LLC in Indianapolis, IN, with 23 years of industry experience. He holds the PFS™ designation and Series 65 license. Michael Associates, LLC is a fee-only advisory serving individuals, trusts, and estates with financial planning, investment advice, and retirement, estate, and tax planning services. The firm emphasizes strategic asset allocation through a core-and-satellite investment approach with global diversification, operating non-discretionary advisory relationships and integrating tax-focused planning into its accounting-oriented practice.

Elwyn Hopkins Jr. is a financial advisor with Keystone Financial Advisory, LLC in Carmel, IN. He holds the ChFC® designation along with Series 63 and Series 65 licenses and has 26 years of industry experience. Hopkins has been with Keystone Financial Advisory since 2013. Keystone Financial Advisory provides investment management and financial planning primarily to individual clients through non-discretionary advice and written financial plans covering estate, tax, insurance, and retirement topics. The firm uses a client-directed approach with fundamental, technical, and cyclical analysis methods, operating on an hourly fee model without custody of client assets or third-party managers.

Stanley Whittlesey is a financial advisor with Capital Financial Management, Inc. in Indianapolis, holding a Series 63 designation and 33 years of industry experience. He has worked with Capital Financial Management since 1993 and EBH Securities, Inc. since 1994. In addition to his advisory role, Whittlesey serves as Managing Director of Advanced Funding Group, LLC, a pre-settlement funding business. Capital Financial Management is a solo, state-registered advisory firm providing comprehensive financial planning services to individuals, families, small businesses, trusts, estates, and charitable organizations. The firm offers written financial plans, periodic reviews, and investment and insurance recommendations, employing a non-discretionary approach based on fundamental and cyclical analysis with a long-term orientation.

Jesus Vasquez is the principal advisor at Vasquez Financial Consulting LLC in Carmel, IN, holding Series 63 and Series 66 credentials with five years of industry experience. He has worked at several firms including Goldstein Group Financial Advisors and Commonwealth Financial Network, and he is also owner of Vasquez Group, LLC, a tax preparation and business consulting firm. Additionally, Vasquez serves as an instructional assistant at Carmel Clay Schools. Vasquez Financial Consulting LLC provides comprehensive financial planning, business and tax consulting, fractional CFO services, and discretionary investment management to individuals, families, business entities, and retirement plan sponsors. The firm employs a mix of fundamental, quantitative, and technical analysis with a long-term trading orientation and serves as a documented ERISA fiduciary for some plan sponsors.

Andrew Durnell is the sole advisor at Perspective Asset Management, LLC in Westfield, Indiana, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has led Perspective Asset Management since 2010. Perspective Asset Management provides investment supervisory services and financial planning to individual and high-net-worth clients, advising across various instruments including mutual funds, equities, bonds, ETFs, REITs, and private placements. The firm uses a combination of charting, fundamental, technical, and cyclical analysis with both long- and short-term trading and options-writing strategies, and offers financial planning on an hourly basis.

George Cassiere is the principal of PACE Financial Group, LLC in Fishers, IN, with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with PACE Financial Group since 2002. In addition to his advisory role, he serves as a trustee for three Employee Stock Ownership Plans (ESOPs) and performs business valuation and corporate consulting work. PACE Financial Group provides investment advice primarily to privately held business owners, individuals, trusts, estates, and corporations. The firm focuses on fundamental security analysis and a long-term, income-oriented investment approach, with specialized services related to ESOP formations, business valuations, and corporate finance advisory.

Scott Moore is a financial advisor with Moore Private Wealth L.L.C. in Carmel, IN, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior work includes ten years at Morgan Stanley Smith Barney and seven years at RBC Capital Markets, LLC. Moore Private Wealth L.L.C. provides discretionary and non-discretionary portfolio management primarily for individual and high-net-worth investors, tailoring investment strategies through a written Investment Policy Statement for each client. The firm employs a variety of analytical methods and manages portfolios across multiple asset classes, offering both long-term and short-term trading strategies.

Charles Shearman is a CFP® with 24 years of industry experience and is the sole advisor at Prospero Financial Planning, LLC. He has been associated with Castle Advisory Group, LLC since 2000. Prospero Financial Planning is an independent registered investment adviser serving individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers modular financial planning, discretionary and non-discretionary portfolio management, and pension consulting, using fundamental analysis and a range of investment strategies.