Carmel Financial Advising Articles

Sample Reviews

A

Rating
A few years ago, we were probably a financial adviser's worst nightmare. We could only answer about half of
Carmel Financial Planners Provider Name Locked
's questions as far as where all our money was (many items had been moved, plus we had just physically moved houses and misplaced many documents in the process).
Carmel Financial Planners Provider Name Locked
patiently walked us through establishing a baseline for what a healthy financial plan looks like today, and what we needed to to to prepare for our future. Within a few weeks, we went from only knowing where about 75% of our money was and should be, to knowing where every penny was and watched our portfolio grow.
He's very versed in the myriad of options available, and was able to provide
Carmel Financial Planners Provider Name Locked
advice for not only managing our own finances, but how to do that in the context of owning our own small business.
He is always professional, unbiased, and responsive to inquiries.
- JOSEPH C.
A

Rating
I have worked with
Carmel Financial Planners Provider Name Locked
for over 10 years. He looks at your entire financial picture in order to design a comprehensive financial plan that meets your unique needs. He is well educated and has earned a lot of credentials, he makes financial planning easy to understand, he's thorough and provides detailed analysis reports.
Carmel Financial Planners Provider Name Locked
is very professional, he has always gotten me a great return on my investments and I would highly recommend him.
- Susan R.
A

Rating
Carmel Financial Planners Provider Name Locked
was very easy to work with. His office is a long distance from my home so we handled everything via phone and email.
Carmel Financial Planners Provider Name Locked
provided the information I sought in a detailed manner and responded exactly when he said he would. I would be happy to use his services again in the future.
- Ryan W.
F

Rating
In early November 2013 I began looking into a Cash Balance plan to enhance my office’s profit sharing and 401k plans. I was using the Third Party Administrator (TPA) Great Lakes Pension for my 401k and I looked at two other companies The Benefit Advantage (TBA) and The Retirement Advantage (TRA). Each of the three companies gave proposals for costs associated with setting up the Cash Balance plans (CBO) and ongoing annual costs associated with running the plans. Upon receiving the quotes, it appeared that TRA was the lowest. We had numerous email correspondences about the process and on November 13th I signed a contract to proceed to set up the plans using TRA. The front page of the contract showed that I would us be executing this agreement with TRA, through their agent
Carmel Financial Planners Provider Name Locked
,
Carmel Financial Planners Provider Name Locked
the financial advisor and Great West, the fund management company.
However, on November 18 (15 days after I signed the contract),
Carmel Financial Planners Provider Name Locked
wrote that he was unable to get back with me sooner because he was traveling, but he needed to inform me that the fee structure that was quoted would be different than what was presented. My apologies for the lack of immediate feedback. I’m traveling this week in the UP. I understand the concern with the difference in cost between the standard and custom design. I did not present the custom pricing based on the conversations surrounding the $100k contribution goal Dr.
Carmel Financial Planners Provider Name Locked
expressed. I do not want anyone to think that I purposely did not disclose the fees associated with the custom plan design. With that said, I have reached out to actuarial partner,
Carmel Financial Planners Provider Name Locked
, Inc. to discuss the reasons surrounding fees and if there is anything we can do to accommodate Dr.
Carmel Financial Planners Provider Name Locked
. Please see his email below and the attached marketing piece that discusses Standard v. Custom designs. I will follow up with a revised proposal that illustrates the $3000 set up and annuals of $4200. I hope the decision is to continue to partner with The Retirement Advantage and Great West. If I can be of further assistance or additional information is required, please do not hesitate to contact me directly.

Regards,

Carmel Financial Planners Provider Name Locked


He attempted to explain that their actuarial partner,
Carmel Financial Planners Provider Name Locked
set their fees differently for different types of plans. I had my office manager tell
Carmel Financial Planners Provider Name Locked
to hold off on processing our plans through TRA until we had more clarity about what appeared to be a Bait and Switch. Then, in early December
Carmel Financial Planners Provider Name Locked
notified me that since
Carmel Financial Planners Provider Name Locked
would be calculating the actuary tables, they would also have to manage the funds within their own proprietary funds. That is, we would not be able to use Great West. Understand that the fees associated with
Carmel Financial Planners Provider Name Locked
funds are exorbitant and the company is poorly rated. So, we would have to pay more to have the plan managed as well as pay more for each fund within the plan and endure much higher risks.

I would think that since the original contract is signed between a specific set of parties, and that one of those parties, namely Great West was disqualified by TRA, the original contract, dated November 3rd would be
Carmel Financial Planners Provider Name Locked
and void.
Regardless, TRA sent me to collections to obtain $3,500 for their services even though they will not be handing any of my moneys.


- Michael F.
A

Rating
My husband was arrested for having drugs in the car with him. He was arrested and taken to the Van Nuys City Jail in the Valley. I called the Jail to find out what it took to get him out of jail before he had to go to work in the morning. When the jail employee told me the bail bond was $20,000 I almost cried. Then I did some research and called
Carmel Financial Planners Provider Name Locked
across the street from the Van Nuys city jail. And a very kind bail agent was able to calm me down and walk me through the entire bail bonds process. She was patient and very understanding. She was able to inform me that just because the bail bonds is set at $20,000 does not mean that is my only option. The bondsmen told me that they would be able to get him out of jail within 4 hours, and he would make it to work. But in order to do that I would need to pay the bail bonds company 10% of the set bail. In my case the 10% fee was $2,000. I agreed to go ahead and start the application and get my husband out of this nasty jail house thanks to
Carmel Financial Planners Provider Name Locked
agents.
- Gayane K.
A

Rating
It went well. He put me in a couple of different reputable financial products. I invested some with an annuity for long term goals and in a gas/oil product for my short term goals. I'm very pleased with his knowledge and ability to call back.
- Abraham O.
N

Rating
Carmel Financial Planners Provider Name Locked
. (
Carmel Financial Planners Provider Name Locked
) has managed, counseled and advised my wife,
Carmel Financial Planners Provider Name Locked
and I in all facets of our
financial planning since about 10 years before my retirement in 1998, at age 62.
We retired to a lovely 55+ community in southern Arizona, and continue to utilize their guidance.

We regard their firm as trustworthy, and committed to the financial success of their clients.
NOTE: Cost of services is
Carmel Financial Planners Provider Name Locked
based on their success in managing your portfolio.


- william B.
A

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T.J. showed up on time in the morning, which is important to us. I would like to also point out, more specifically, he came TO US! We loved that personal touch and going out of his way to service his clients. Everyone else we have worked with in the past has made us come into their office. Insurance and retirement is not a terribly fun thing to discuss so we loved the fact that we get to be in the comfort of our home, T.J. comes in and caters to us and our needs, and we can be more efficient with OUR time and done quicker. We loved it. Service like when doctors used to make house calls. This is not done enough nowadays.
He was very knowledgeable about his business and our needs, clear, concise, and explained every thing in a language we could understand. We were shown multiple companies so we didn't feel like we were guided down a path that wasn't best for us.
They even helped us with retirement strategies and optimizing our retirement nest egg to better suit our needs!
Carmel Financial Planners Provider Name Locked
was a joy to work with and for any and all retirement/Life insurance/LongTermCare insurance needs I would highly recommend.
- Doris P.
A

Rating
GREAT!
Carmel Financial Planners Provider Name Locked
,
Carmel Financial Planners Provider Name Locked
provided me with as much information as possible. I was exceeding happy with the visit to his office. He is a very compassionate human being. We went through all documents and I felt comfortable with his suggestions about how to proceed on my financial plan. I am highly impressed with this man and his skills.
- MELBA W.
A

Rating
It went amazing. They were professional, helpful, and truly cared about my claim being paid. I would strong recommend
Carmel Financial Planners Provider Name Locked
to anyone who is looking for a top quality insurance broker.
- brian D.
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All Financial Planners in Carmel, IN

Companies below are listed in alphabetical order. To view top rated service providers along with reviews and ratings, Join Angie's List Now!

3 Pointe Financial

8001 Irvine Center Dr
Irvine, CA

AG EDWARDS

8888 Keystone Xing Ste 400
Indianapolis, IN

Alerding CPA Group

4181 E 96th St
Indianapolis, IN

Allegiant Group Inc

189 W Clarkston Rd Ste 1
Lake Orion, MI

Allstate Agency Ranj Puthran

815 W CARMEL DRIVE
Carmel, IN

Allsup Inc

300 Allsup Pl
Belleville, IL

AMERICAN FEDERAL MORTGAGE CORP

1 LAUREL DR
Flanders, NJ

AMERICAN UNITED LIFE

12800 N MERIDIAN ST
Carmel, IN

Ameriprise Financial Advisors

9200 Keystone Crossing
Indianapolis, IN

Ameriprise Financial Services Grabovsky & Assoc

2900 E 96th Street, Suite B
Indianapolis, IN

Ameriprise Financial Services, Inc.

10333 N Meridian St
Indianapolis, IN

AMG Legacy Planning

10100 W Sample Rd
Pompano Beach, FL

Amicus Financial

8440 Woodfield Croosing Blvd
Indianapolis, IN

Aspire CPAs, PC

8425 Woodfield Crossing Blvd, Suite 110
Indianapolis, IN

Baranowski Insurance Agency

1467 Joliet street
Dyer, IN

BECK FINANCIAL STRATEGIES INC

5825 N POST RD
Indianapolis, IN

Beck Insurance

7196 E US Highway 36
Avon, IN

Biechele Royce Advisors Inc

8784 Station St
Fishers, IN

BMO Harris Bank

2260 W 86TH ST
Indianapolis, IN

Boost Credit 101

3773 E Cherry Creek North Dr
Denver, CO

Brendanwood Financial, LLC

9650 N. Commerce Dr
Carmel, IN

Brunette & Associates, LLC

500 E Ohio St
Indianapolis, IN

Byerly Insurance

Alexandria, IN

C & G Financial Services

205 Creekview Cir
Mooresville, IN

Caitlin-Morgan Insurance Services

11555 N Meridian St
Carmel, IN

Canterbury Investment Management

23 East Cedar
Zionsville, IN

CareOne Debt Relief Services

8930 Stanford Blvd
Columbia, MD

Chamberlin & Taylor LLP

121 E Monroe St
Franklin, IN

Charles Thompson Cpa LLC

8358 Somerville Dr
Indianapolis, IN

Clark Insurance Group

2403 South Park Avenue
Alexandria, IN

COLONIAL NATIONAL MORTGAGE

9880 WESTPOINT DR
Indianapolis, IN

Common Wealth Investment LLC

PO Box 16010
Louisville, KY

CORE Wealth Advisors

151 N. Delaware St. Suite 1510
Indianapolis, IN

Credit Card Debt Counseling and Consolidation

11057 Allisonville Rd
Fishers, IN

Credit Card Relief

5656 W 74th St
Indianapolis, IN

CSA USA, LLC

PO Box 164
New Ross, IN

Dickerson Wealth Advisers

13295 Illinois St Ste 105
Carmel, IN

Dunlap Wealth Management Group

14074 Trade Center Dr
Fishers, IN

EATON INVESTMENTS LTD INC

12220 N MERIDIAN ST
Carmel, IN

Ed Rowell

501 Pennsylvania Pkwy
Indianapolis, IN

EDWARD JONES

12564 N GRAY RD
Carmel, IN

EDWARD JONES

11974 FISHERS CROSSING DR
Fishers, IN

EDWARD JONES

1533 NORTH POST ROAD
Indianapolis, IN

EDWARD JONES INVESTMENTS

6434 COLLEGE AVE
Indianapolis, IN

Edward Jones Vern Roach

8150 Oaklandon Rd
Indianapolis, IN

ELSER FINANCIAL PLANNING INC

8365 Keystone Crossing
Indianapolis, IN

FIFTH THIRD BANK

Fishers, IN

FINANCIAL PLANS & STRATEGIES

375 N MADISON AVE
Greenwood, IN

FORUM Credit Union

11313 USA Pkwy
Fishers, IN

Gateway Funding - The Parker Mortgage Group

802 Mulberry St
Noblesville, IN

Goldstein Group Financial Advisors LLC

8900 Keystone Crossing
Indianapolis, IN

H&R BLOCK

57 S Ridgeview Dr
Indianapolis, IN

HANEY CPA GROUP/HANEY FINANCIAL SERVICES

7510 E 82ND ST
Indianapolis, IN

HANSON & SNYDER PERSONAL FINANCIAL ADVISORS

301 E Carmel Drive
Carmel, IN

Harrington Wealth Management

10150 Lantern Rd
Fishers, IN

Harvest Financial Advisors

8897 Cincinnati-Dayton Road
West Chester, OH

HEALTH BENEFIT CONSULTANTS LLC.

20275 Honeysuckle Dr.
Elkhorn, NE

Heartland Family Mediators, LLC

5347 N College Ave Apt 109
Indianapolis, IN

Horizon Bank

9292 N. Meridian St. Suite 100
Indianapolis, IN

HOWELL FINANCIAL ADVISORS INC

176 W LOGAN ST
Noblesville, IN

iBank

3090F Pullman St
Costa Mesa, CA

InCreditable Advisors, LLC

2680 E. Main Street Suite
Plainfield, IN

Indiana Farm Bureau Insurance

225 S East St
Indianapolis, IN

INDIANA MORTGAGE GROUP INC

5283 ARAPAHO WAY
Carmel, IN

Indy Advisors, LLC

2225 Galahad Dr
Indianapolis, IN

Innovative Debt Consolidation

209 North Delaware Street
Indianapolis, In

Interventional Music Entertainment & CARLIN CA$H

821 CARLIN DRIVE
Shelbyville, IN

IRS Tax Help Team

1201 S Beach Blvd
La Habra, CA

James M Kornmann

111 Congressional Blvd
Carmel, IN

JEREMY DONALDSON

PO BOX 657
Indianapolis, IN

Justice and Associates LLC

6655 W Sahara Ave
Las Vegas, NV

Kemba Credit union

444 S Shortridge Rd
Indianapolis, IN

keybank

6067 polonius court
Zionsville, in

KOONTZ FINANCIAL

PO Box 12
Mount Summit, IN

LIBERTY FINANCIAL SERVICES INC

141 N RANGELINE RD
Carmel, IN

Liberty Tax Service

3850 S. Emerson Ave
Indianapolis, IN

LINK FEDERAL CREDIT UNION

5212 ROCKVILLE RD
Indianapolis, IN

LLOYD Agencies - Zionsville

5885 Solomon Harmon Way
Whitestown, IN

Lowell, Blake & Associates

141 Tremont Street
Boston, MA

LPL FINANCIAL SERVICES

8970 FITNESS LN
Fishers, IN

Marchand & Co CPA's PC

2003 Southern Blvd SE
Rio Rancho, NM

MAY INSURANCE & FINANCIAL SERVICES CORP

10420 HAGUE RD
Fishers, IN

MERRILL LYNCH

510 E. 96TH STREET
Carmel, IN

Miller Agency

8383 Craig St
Indianapolis, IN

MML INVESTORS SVC

501 CONGRESSIONAL BLVD
Carmel, IN

Moulton Financial Group

9102 N Meridian St Ste 100
Indianapolis, IN

Mystar Credit Counseling

7271 N Shadeland Ave
Indianapolis, IN

NORTHWEST FINANCIAL SERVICES

9333 N Meridian St Ste 300
Indianapolis, IN

OAKTREE FINANCIAL ADVISORS INC

12900 N MERIDIAN ST
Carmel, IN

Palouse Credit Consulting

801 Ringo Rd.
Palouse, WA

Pamela D Gunn, CPA LLC

P.O. Box 7207
Fishers, IN

Pamela D Gunn, CPA LLC

P.O. Box 7207
Mc Cordsville, IN

PERICULUM CAPITAL CO

4 Center Green
Carmel, IN

Pete The Planner

2159 Glebe St
Carmel, IN

Primary Residential Mortgage Inc

11976 Fishers Crossing Drive
Fishers, IN

Promise Financial Group

633 Library Park Drive, Suite I
Greenwood, IN

Prudential

1893 Berry Road
Greenwood, IN

Realty Group Insurance

8402 E. 116th Street
Fishers, IN

Robert Hodge Tax & Accounting Co

8520 Allison Pointe Blvd
Indianapolis, IN

S P Johnson Group

293 Mulberry St
Buffalo, NY

SCHILLIACI WEALTH ADVISORY GROUP

14390 CLAY TERRACE BLVD
Carmel, IN

SHERPA FINANCIAL GROUP

10711 America Way Ste 175
Fishers, IN

Smooth Transitions INDY-NORTH LLC

2060 E 54th St
Indianapolis, IN

Southern Trust Financial Services LLC

3450 Founders Club Drive
Sarasota, FL

STAR Financial Bank

8762 E 96th St
Fishers, IN

STATE FARM

3501 Westfield Rd #122
Westfield, IN

Steffey Insurance Agency

8365 Keystone Crossing
Indianapolis, IN

Tax Back of Speedway

1430 Main St
Indianapolis, IN

The Finance Coach

324 E. Main St.
Brownsburg, IN

THE WELLINGTON GROUP LLC

9000 KEYSTONE CROSSING
Indianapolis, IN

Thrivent Financial – Kelly Robinson

1499 Windhorst Way Ste 220
Greenwood, IN

UNION EQUITY CORP

9100 KEYSTONE CROSSING
Indianapolis, IN

United Gold Direct

2945 Townsgate Road
Westlake Village, CA

US Bank

4000 W Broadway Ave
Minneapolis, MN

VEROS PARTNERS INC

5935 S Emerson Ave Ste 100
Indianapolis, IN

VonLehman & Company Inc

8250 Woodfield Crossing Blvd
Indianapolis, IN

WADDELL & REED

9000 Keystone Xing Ste 350
Indianapolis, IN

WaterStone Investment Counsel

9435 Waterstone Boulevard
Cincinnati, OH

WELLS FINANCIAL GROUP

6239I S East St
Indianapolis, IN

WRP INVESTMENTS

Carmel, IN

YS Advisory Services LLC

10475 Crosspoint Blvd
Indianapolis, IN

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