Justin Brammer

09/30/2026

This November, I’ll be running the Philadelphia Marathon for a cause that is deeply personal to me and my family.

My mom, Jamie, is living with Parkinson’s disease. Since her diagnosis, I’ve watched her endure some incredibly difficult days with strength, courage, and determination. She continues to fight and refuses to let Parkinson’s define her. I’m incredibly proud of her and grateful for the example she has set for our entire family.

I’m dedicating this race to her and raising money for the Parkinson’s Foundation. My goal is to raise $5,000 to support better research, better care, and a brighter future for everyone affected by this disease.

To help reach that goal, we’re hosting a pancake breakfast at my parent's house:
🥞 Saturday, October 17
⏰ 8:00 to 11:00 AM
📍 Indianapolis, Indiana
Please message me for the address.

There is no cost to attend. Come enjoy some pancakes, spend time with us, and donate if you feel led to support the cause.

If you can’t attend but would still like to help, donations can be sent through Venmo to .

Thank you for supporting my mom, our family, and a cause that has become incredibly meaningful to us.

We would love to see you there!

09/29/2026

“Why am I paying taxes on money I haven’t seen yet?”

That question came up in a review with a first-year practice owner who’s grown revenue sharply since buying the business.

On the surface, everything looks great—collections are up, cash is stacking in the operating account—yet his personal wallet feels unchanged.

We walked through the mechanics of S-corp basis, mapped a healthy cash buffer, and showed how timing distributions after year-end can turn a potential capital-gains surprise into a zero-tax event.

Next, we earmarked part of that idle cash for a higher-yield business savings vehicle and outlined when to launch a SIMPLE plan so retirement dollars start working too.

The result: clarity on what can be spent today, what should stay in reserve, and how each dollar is now assigned a job.

Business owners, do you have that level of confidence?

09/16/2026

If I’m going to help people make better financial decisions, I need to keep getting better too.

Spending a few days out in Huntington Beach this week at Future Proof with thousands of other financial advisors and people from across the wealth management industry.

I’ve always felt like if clients are going to trust me with some of the biggest financial decisions in their lives, I owe it to them to keep learning and getting better at what I do.

So I’m excited to spend a few days learning from some of the best in the business, hearing new ideas, seeing how other advisors are doing things, and learning more about where our industry is headed.

Pretty grateful I get to do this for a living. Excited to learn a ton this week and bring it back home!

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!! 🥳