Justin Brammer

08/31/2026

I've been seeing this come up more and more with clients lately.

Tax preparation looks backward. Tax planning looks forward.

A preparer tells you what you owe. A plan tries to change that number before the year even ends.

By April, your options are much more limited. The real decisions, like timing income, structuring investments, and retirement contributions, happen in June, not next April.

If the only time you talk about taxes is when you're filing them, you're one step too late.

08/28/2026

I met with a couple this morning who have worked hard their entire lives, raised a family, built businesses, and saved well.

Now they are trying to figure out what the next chapter should look like.

They want to buy a home they can enjoy for the next 15–20 years, spend more time near their grandchildren, transition out of a business they have owned for decades, and make smart decisions around an inheritance, taxes, retirement, and estate planning.

One of them was excited about the possibilities. The other was worried about spending too much and making a decision they might regret.

By the end of our conversation, I could see some of that fear begin to fade.

We talked about how I could help them organize everything, look at different scenarios, understand what they can comfortably afford, and coordinate all the different pieces of their financial life.

Sometimes financial planning is about growing your money.

Other times, it is about helping people feel confident enough to enjoy what they have worked so hard to build.

That is one of my favorite parts of what I do.

08/15/2026

Thankfully, our friends and neighbors have been spared from the recent flooding here in Noblesville.

Pretty cool to see our local news station pick up some of my drone footage of the historic bridge near our house!

Hoping the water starts to recede soon, especially with more rain in the forecast.

07/28/2026

Someone recently asked me who is it that I typically work with.

So I looked back at the 3 most recent clients I onboarded and here’s what they looked like:

1. An agent referred me to a client of theirs who recently transferred to a Big Ten school and will make close to $500k this year. The parents have primarily run point on the conversations and I would say are above-average when it comes to finances but didn’t feel comfortable helping their son manage this new-found wealth on their own. They came to me with a basic understanding of what they thought needed to be done and what opportunities existed but were only scratching the surface. Their son has a good shot at playing in the league but will take it a year at a time.

2. A dentist who is part-owner of a very successful dental practice who is married to another business owner. A very solid household income but they knew they were too busy to try and put all their financial pieces together. They were sitting on six figures of cash without any real purpose. Both maxing out their 401k’s at work. Significant student loan debt. No estate plan. Insurance policies that hadn’t been looked at in years. A classic case of life getting too busy and not having capacity to balance everything at one time.

3. An employee at a tech startup who lacked confidence in her current plan. High income. Some debt had accumulated over the years but she wasn’t sure how to best attack it. Use cash she had saved up to pay it off? Deplete her emergency fund? All things we mapped out and executed a plan that fit her goals.

If any of these resonate, shoot me a DM.

After a 30 minute conversation, we hope you feel better about your financial future!

07/23/2026

I had a great first planning meeting this week with a college athlete earning six figures through NIL opportunities.

He and his family had already interviewed several advisors, but they were looking for someone who could bring structure to a situation that can quickly become complicated: income arriving in large lump sums, taxes owed across multiple states, no established credit history, and plenty of advice without a coordinated plan.

We started building that foundation:

1. A cash-flow system that separates spending, emergency reserves, taxes, and long-term investing

2. A low-cost, diversified investment strategy without unnecessary products or complexity

3. A straightforward plan for establishing credit responsibly

4. An LLC now, with the potential for an S-corp election once the income supports the added cost and administration

5. Coordination with a CPA who understands NIL income and multi-state tax planning

The goal is simple: put the right structure and guardrails in place today so this opportunity can create lasting financial security, not just short-term spending power.

This is exactly the kind of planning work I enjoy, and I’m excited to continue building the plan alongside him and his family.

07/22/2026

Creating a will is crucial, but remember: life changes. When it does, so should your estate strategy. Regularly updating your will keeps it aligned with your current circumstances and wishes.

Here are 7 reasons to revisit your will:

1️⃣ Family Changes: Marriage, divorce, births, or losses can impact your strategy.
2️⃣ Relocation: Different places, different laws.
3️⃣ Financial Shifts: Reflect on your current assets.
4️⃣ Executor/Trustee: Ensure they’re still the right choice.
5️⃣ Law Changes: Stay compliant and minimize taxes.
6️⃣ Beneficiary Updates: Reflect evolving relationships.
7️⃣ Time: Review every 3-5 years.

07/09/2026

Thankful for another trip around the sun and love the group I get to celebrate with!

Wishing Justin Brammer a very happy birthday today!! 🥳

07/02/2026

Just this week, I had conversations with clients around questions like:

Should we file taxes separately because of student loans?

How do we manage cash flow when income comes in quarterly, irregularly, or all at once?

Can we afford the next big life move, whether that is a home purchase, relocation, wedding, or career change?

When does a SIMPLE IRA no longer make sense for a business owner?

How do we protect assets if aging parents may need long-term care someday?

These are not hypothetical planning topics. These are real conversations happening with real families.

Good financial planning is not just about investments. It is about helping people make confident decisions when life, taxes, debt, income, family, and the future all collide.

06/23/2026

One of the hardest lessons I've learned as a business owner is that saying "yes" to everyone isn't always the best thing for your business or your family.

Early in my career, I met clients whenever and wherever they needed. Early mornings, late evenings, weekends, you name it. At that stage, it was important to meet people where they were and earn the opportunity to serve them.

But as my practice has grown, so has my family.

Today, boundaries aren't just helpful, they're necessary.

In fact, I recently let a client go because they insisted the only times they could meet were evenings and weekends. Years ago, I probably would have made the exception without thinking twice.

Now, I view it differently.

I've worked hard to build a business that supports the life I want, not one that constantly competes with it. Family dinners, bedtime routines, church, weekends with my wife and kids, those things matter more than the revenue from one additional client.

The reality is that every exception becomes a precedent. Once you start making exceptions for one person, it becomes much harder to maintain those boundaries with everyone else.

Will it cost me some business from time to time? Absolutely.

Am I okay with that? Absolutely.

Success isn't just about growing revenue. It's about building a life you're not constantly trying to escape from.

I'm grateful to be in a season where I can choose family over a few extra dollars, and I hope I never lose sight of that.

06/12/2026

One of the things I love most about this job has nothing to do with investments, taxes, or spreadsheets.

It’s getting to walk alongside people as they accomplish things they’ve worked incredibly hard for.

Sometimes that’s retirement. Sometimes it’s buying a business, selling a practice, or hitting a financial goal they’ve been chasing for years.

And sometimes it’s something like this.

A huge congratulations to Jalen on signing his contract extension.

I’ve had the chance to watch Jalen’s journey from going undrafted, to getting picked up by the Panthers, to becoming the team’s #2 receiver. It’s been fun to see what can happen when talent meets relentless work ethic.

What I appreciate most, though, is that success hasn’t changed him. He’s still one of the most genuine, humble, and down-to-earth people you’ll meet.

Couldn’t be more excited for Jalen and his family. This is the result of a lot of hard work paying off, and it’s been fun to watch.

These are the moments that make this profession so rewarding.