About Me
Founder | Strategic Advisor | Father | Athlete
I’m Scott Dunlap, founder of Human Capital Wealth Management.
I built this firm after spending years inside large national firms and seeing exactly how the model works. Financial plans built around product sales. Generic investment management. Fees that were hard to justify. A culture that measured success by production, not by client outcomes.
I left because I could not keep doing it that way.
Why I Built Human Capital
I started Human Capital Wealth Management as a fee-only, fiduciary RIA because I believe retirement planning deserves a higher standard.
Fee-only means every dollar I earn comes directly from you. No commissions. No proprietary products. No incentives to recommend anything other than what is right for your situation.
Fiduciary means I am legally obligated to act in your best interest. Not just what is suitable. Your best interest, 100% of the time.
I have worked with pre-retirees and retirees for over 12 years. I understand the complexity of this phase of life — coordinating income sources, managing taxes, timing Social Security, protecting what you have built. This is not generic financial planning. This is retirement income planning done with precision and purpose.
I hold the RICP® designation from The American College of Financial Services and am currently pursuing both the CFP® and ChFC® credentials. I believe the people trusting me with their retirement deserve an advisor who is constantly raising the bar.
How We'll Work Together
Every client relationship starts the same way — a real conversation. No jargon, no sales pitch, no pressure.
We dig into where you are, where you want to go, and what is standing in the way. From there I build a retirement income strategy around your specific numbers, your timeline, and your life.
You will not get a templated plan. You will get a strategy built from scratch, reviewed regularly, and adjusted as your life changes.
One advisor. Direct access. No handoffs.
Who I am Outside of the office
I am a dad first. My son Parker is the reason I show up every day with something to prove.
Outside of work I train hard. Brazilian Jiu-Jitsu and competitive HYROX are not hobbies; they are how I operate. Discipline, consistency, and showing up when it is hard. Those are not gym principles. They are life principles, and they carry directly into how I advise and lead.
I am also a proud AMG enthusiast and graduate of the AMG Driving Academy. Precision engineering, performance under pressure, and attention to detail; on the track or in a client’s retirement plan, the standard does not change.
I believe how you do anything is how you do everything. I hold myself to a high standard in every area of life. My clients get that same standard.
Driven by Purpose
built on discipline
Ready to Work With an Advisor Who Is Actually On Your Side?
One conversation. No obligation. Let’s find out if we’re the right fit.
My Vision
Human Capital is built for the long term. Not transactions. Relationships.
My goal is to build a practice known for trust, precision, and results — where pre-retirees and retirees in Fishers, Indianapolis, and Carmel know exactly where to go when they want retirement planning done right.
Purpose-driven guidance. Radical transparency. A partner who tells you the truth even when it is uncomfortable.
That is what this firm is built on.
- Purpose-Driven Financial Guidance that aligns your money with your mission, whether personal or business.
- Radical Transparency & Fierce Accountability - You'll always know where you stand and I'll always show up with truth and support.
- Deep, Personalized Partnerships - You're not just a number here, and you never will be.
Disiplined Growth
Relentless Clarity
Ready to Work With an Advisor Who Is Actually On Your Side?
One conversation. No obligation. Let’s find out if we’re the right fit.