An independent financial advisor for Indiana
Coordinated insurance, finance, investments, and tax-incentive planning for households and business owners across Indiana — our home state, anchored in Fort Wayne and reaching across the ten counties of its northeast corner.
Serving northeast Indiana · Reviewed by Tim Berry · Last updated July 31, 2026
As part of northeast Indiana, Indiana is our home state, anchored in Fort Wayne and reaching across the ten counties of its northeast corner. The Fort Wayne metro alone is home to about 462,978 residents with a median household income near $71,251 (2024), growing about 0.8% a year since 2020.[1] That's exactly the kind of place where coordinated financial advice pays off — protecting the paycheck, financing that builds equity, tangible investments, and tax strategy that keeps more of what you earn.
Here are the Indiana areas we work in most:
[1] Source: U.S. Census Bureau — 2024 ACS 1-Year Estimates & Vintage 2024 Population Estimates, 2024. Figures are public data, not guarantees.
What Indiana's tax rules mean for your money
A low flat-rate income tax state where the county you live in does the real work. Here's the lay of the land — and why it shapes how we build your plan.
| Area | IN | Why it matters for your plan |
|---|---|---|
| State income tax | Flat 2.95% | Indiana taxes all individual adjusted gross income at one flat rate — 2.95% for 2026, scheduled to step down to 2.90% in 2027. There are no brackets, so the planning lever is what counts as income, not what rate it lands in. |
| County income tax | 1.59% (Allen) | Indiana counties levy their own income tax on top of the state rate, and the rates vary. For 2026 Allen County is 1.59%, DeKalb County is 2.13%, and Wells County is 2.10% — and the county you live in on January 1 sets your rate for the whole year, which makes a cross-county move a real tax decision. |
| Social Security | Not taxed | Indiana does not tax Social Security or Railroad Retirement Board benefits — they come back out on your Indiana return. Military retirement pay and survivor's benefits are fully deductible, and a civil-service annuity deduction of up to $16,000 is available at 62 and older. |
| Other retirement income | Taxable | Pensions, IRA withdrawals, and 401(k) distributions flow through your federal adjusted gross income and are taxed at the flat state rate plus your county rate — which is exactly why the order you draw down accounts matters here. |
| Inheritance tax | None | Indiana's legislature repealed the state inheritance tax in 2013, and the Department of Revenue confirms no Indiana inheritance tax is owed. Federal estate tax rules still apply to large estates. |
| Sales tax | 7% statewide | A single seven percent state sales tax applies everywhere in Indiana — the rate in Fort Wayne is the rate in Angola. Separate local food-and-beverage and innkeeper's taxes exist, but there is no general county add-on to the sales tax rate. |
Indiana's flat individual income tax rate is 2.95% for 2026 and is scheduled to fall to 2.90% in 2027 under current law — but your county rate is set separately and can move in January or October.
Source: Indiana Department of Revenue, 2026. General information, not tax advice — we coordinate with your CPA or attorney.
Four disciplines for Indiana
Insurance, finance, investments, and tax — coordinated for Indiana families and business owners.
Insurance
Life, disability, annuities, and retirement income — the protection layer that keeps one bad year from turning into a permanent setback for the people who depend on you.
Explore insuranceFinance
Commercial and residential financing structured so the money you borrow works for you — coordinated with your protection and tax plan.
Explore financeInvestments
Hand-selected U.S. rare gold and silver coins — a tangible asset that sits outside the paper markets, sized as part of a whole plan, with the spreads, the liquidity, and the risks stated plainly up front.
Explore investmentsTax Incentives
Legal, code-based strategies to keep more of what you make and pass more of what you keep — coordinated with the other three pillars.
Explore tax incentivesYour next steps in Indiana
- Book a free strategy call. Fifteen minutes to map what you have and what you want for your Indiana household or business.
- Get a coordinated plan. We shop 40+ carriers and institutions and bring insurance, finance, investments, and tax into one picture.
- Decide with no pressure. You see the numbers and the trade-offs plainly, then choose what fits.
Official Indiana resources
Working with a local advisor
Common questions from Indiana households and owners.
Yes. Tim Berry Financial Services is independent and serves families and business owners across Indiana and northeast Indiana — in person locally and by secure video anywhere. We coordinate insurance, finance, investments, and tax as one plan.
A local, independent advisor knows the market and can meet you where you are. Because we shop 40+ carriers and institutions instead of selling one company's product, our only job is matching your Indiana household or business to the right plan.
Nothing up front. For insurance and annuities the carrier you choose pays the commission, so your premium is identical whether you work with us or go direct. For finance and investments, compensation is disclosed before you decide.