We Built Plan Wise Because Retirement Planning Deserved Better.
Most financial firms are built around accumulation. We're built around what comes next — and what can go wrong if you're not prepared.
Why We Started. What We Built. Who We're Here For.
When Richy Hirtle founded Plan Wise Wealth Group, he had one question: why were so many people arriving at retirement with full accounts — and still terrified?
The answer wasn't complicated. Most retirement plans were built for saving, not for living. They had portfolios but no income structure. Tax exposure that nobody had addressed. And no real answer to the question every retiree eventually faces: what happens if the market drops the year after I retire?
So we built the answer. We call it the Wise Home.
The Wise Home is a three-tier retirement income framework, proprietary to Plan Wise Wealth Group, that permanently eliminates the three threats that derail most retirements: sequence-of-returns risk, longevity risk, and tax risk. It's not a generic bucket strategy. It's a mathematically engineered plan with a guaranteed income floor, a precisely calculated buffer called the Wise Reserve, and a tax-free growth engine built to outlast you.
Today, Plan Wise Wealth Group serves pre-retirees and retirees across the Indianapolis area as a fee-based fiduciary RIA. We don't sell products. We build Wise Home plans — and we stand behind every one of them with full legal and ethical fiduciary accountability.