Retire Stronger. Live Fully. Work With a Fee-Only Fiduciary Advisor in Fishers, Indiana.
I’m Scott Dunlap, founder of Human Capital Wealth Management.
I built this firm after working inside traditional brokerage models and seeing firsthand how compensation structures shape the advice clients receive.
When advisors are paid through commissions, proprietary products, and internal revenue targets, incentives matter.
Retirement planning should not be influenced by sales quotas.
At Human Capital, we operate differently.
Fee-only. Fiduciary. No commissions. No proprietary product requirements.
We focus on retirement income planning, 401(k) optimization, Roth conversion strategy, and tax-efficient withdrawal strategies for families in Fishers, Carmel, Indianapolis and virtually across the United States.
Advice should be shaped by your goals, not by how someone gets paid.
5 out of 5 stars from 11 reviews
Let’s get to work!
Why Work With Me?
I have worked on both sides of this industry.
I understand how large firms operate. The revenue grids. The internal product shelves. The expectations placed on advisors.
I also understand what families actually need as they approach and enter retirement.
Clarity.
Tax efficiency.
Income strategy.
Accountability.
Direct conversations when decisions matter most.
Retirement is too important for autopilot.
My role is not to sell products. It is to protect your plan, strengthen your strategy, and help you make disciplined decisions that support your long-term security.
I have seen firsthand what poor allocation and the absence of real planning can do to a family’s future. I refuse to let that happen to my clients.
That is what fiduciary responsibility looks like in practice.
What you're dealing With
- Retirement is closer than it's ever been and you're not sure if you're ready
- Your 401(k) is on autopilot and you don't know if the allocation still makes sense
- You've heard about Roth conversions but nobody's ever explained if they're right for you
- You're watching the market and wondering if your plan can actually handle volatility
- You want someone in your corner who tells you the truth — even when it's uncomfortable
how we'll fix it
- Build a retirement income plan designed around your specific date and lifestyle
- Audit and optimize your 401(k) allocation and rollover options
- Run the Roth conversion analysis and execute if it makes sense for you
- Design a tax-efficient withdrawal strategy that keeps more money in your pocket
- Give you a single point of contact who knows your full picture — always
Retirement Planning Built Around Your Life
Most financial plans are built around assumptions. Average returns. Generic timelines. Standardized allocations.
Your retirement is not average. Your income sources, tax situation, Social Security timing, and legacy goals are specific to you.
At Human Capital, every plan is built from scratch; around your numbers, your timeline, and your life. Investment management, 401(k) optimization, Roth conversion strategy, and tax-efficient income planning, all under one roof.
Let’s Talk About What’s Next
What I Focus On
Retirement income planning is not a single conversation; it is an ongoing process that requires discipline, precision, and an advisor who stays engaged.
These are the core areas where Human Capital delivers:
Retirement Income Planning
I specialize in helping pre-retirees and retirees build income strategies that last. 401(k) optimization, Roth conversions, Social Security timing, and tax-efficient withdrawal strategies built around your specific life and timeline.
Investment Management
I manage investment portfolios for pre-retirees and retirees with a focus on tax efficiency, risk management, and long-term income sustainability. No proprietary products. No conflicts of interest. Just disciplined portfolio management aligned with your retirement goals.
Business Owner Financial Planning
I work with business owners who are approaching a transition, planning an exit, or need to separate business cash flow from personal retirement strategy. If you own a business, your retirement plan is more complex. I help you build it right.
Difference in the Details
With Human Capital
Fee-Only & Transparent.
No commissions. Ever.
Strategic & Actively Managed.
Built, reviewed, and adjusted as life changes.
One Advisor, Full Attention.
You work directly with me.
what you get elsewhere
Hidden fees, product sales, and kickbacks
“Set & Forget” portfolios that never evolve
Large firms where you're a number, not a priority
Why Fee-Only Matters
As a fiduciary, I don’t earn commissions or push products. Ever. My only job is to help you make smart financial decisions that align with your goals. That means clear, conflict-free advice with your best interests at the center, always.
Custom Strategies. Real Results.
Your retirement strategy should be as disciplined as the life you have built.
I design retirement income plans built around your specific numbers, your timeline, and your goals. Not a template. Not a generic allocation. A strategy built for where you are and where you are going.
Income Planning
Tax Efficiency
Retirement, On Your Terms
Retirement should not be a question mark. I help you build a plan around your specific income needs, timeline, and goals so you can move forward with confidence, not guesswork.
Income Confidence
Long-Term Security
What’s it Like Working With Me?
My Process, Your Progress
Deep Onboarding This is not a quick intake form. We do a thorough review of your full financial picture — investments, tax situation, income sources, Social Security, estate documents, and retirement timeline. We build the foundation right so the plan holds up.
I build a retirement income strategy specific to your numbers, your goals, and your life. Asset allocation, Roth conversion analysis, withdrawal sequencing, tax efficiency. Every piece connected and intentional.
Twice a year we sit down for a full review. We assess performance, update projections, adjust strategy where needed, and make sure your plan reflects where you are now and where you are going. No autopilot. No set it and forget it.
Life does not wait for your next meeting. Markets shift, tax laws change, decisions come up. You have direct access to me and I stay proactive between meetings so nothing falls through the cracks.
🗓 Save Time. Get Real Advice.
Book a free Discovery Session! No sales, no pressure. Just honest, expert guidance to help you move forward with clarity.
What Clients Say About Working With Me
I don’t just build financial plans—I build trust. Here’s what clients have to say about the clarity, confidence, and results they’ve experienced through Human Capital.