David Eric Lobacz

Education & Designations I have a bit of a healthy obsession with learning. I am a proud graduate of Olney Central College, where I now get the pleasure of serving on the Foundation Board. I received my B.S. in Finance from Eastern Illinois University and my Masters in Personal Financial Planning from CFFP. Along the way, I’ve earned a few other designations. I am a CERTIFIED FINANCIAL PLANNER™ Professional as well as an Enrolled Agent. Outside of my work as an advisor, I teach courses in business and finance at Vincennes University. Work History While in college I worked for a couple of banks, but my first position with true financial planning experience was with a firm in Urbana, IL in 2010. I consider myself blessed to have avoided the insurance sales or door knocking gigs so many “advisors” start out with. At Franklin Wealth Advisors, I was able to learn from an expert with several decades of experience and an undeniable passion for the work. At the end of 2014, I left FWA to move back home to join a local bank. From the end of 2014 to Spring 2021 I provided financial planning services, managed the investment assets for the Trust department, and lead the IL Wealth Management team. I worked with families in all stages of life to develop and implement plans to achieve their goals. At the end of 2020, I decided it was time to move on and begin plans for a new journey – starting my own firm. My goal for Rude Wealth Advisory is to narrow my focus to a smaller group of clients, allowing me to provide a superior level of personalized service. Personal / Family My husband, Bill, and I have been together since 2010 and married since 2013. We are both originally from Richland County, so the decision to move “home” in 2014 was mutual. We have two kids, Olivia & Henry, and are grateful to have both sets of grandparents along with siblings, cousins, aunts, uncles, etc. living close by. As a family, we love being active outside and traveling to new places. My “Why” Our work plays a critical role in our identities, whether we realize it or not. It brings to light our strengths and weaknesses and provides affirmation of our life’s purpose. We all have unlimited potential to positively impact others, and I consider myself blessed to have found the connection between providing value to others and meaning to myself in such a rewarding field. I’ve always had a passion for numbers and business. When inside the wrapper of helping families reach their goals, this work is even more fulfilling.

Dylan Seessengood is a financial advisor at Rude Wealth Advisory with a Series 65 credential and one year of industry experience. His work history includes multiple roles at Rude Wealth Advisory and prior positions at Green Acres and Southern Illinois University Carbondale. Rude Wealth Advisory is a small, team-based registered investment adviser managing approximately $54 million for about 156 clients. The firm serves individuals, families, trusts, estates, charitable organizations, and business entities, offering investment management alongside financial planning, retirement plan consulting, tax preparation, and accounting services.

Ashlee Frichtl is a financial advisor at Rude Wealth Advisory with two years of industry experience. She holds a Series 65 designation and previously worked at TrustBank. Outside of finance, her background includes roles at Bobe's Pizza and Richland County High School. Rude Wealth Advisory is a small, team-based registered investment adviser managing approximately $54 million for individuals, families, trusts, charitable organizations, and business entities. The firm offers comprehensive services including investment management, financial planning, retirement plan consulting, tax preparation, and accounting, with an investment approach that combines fundamental and technical analysis alongside modern portfolio theory principles.

Education & Designations I am a 2020 graduate of Olney Central College with an Associate's Degree in Business, and a 2022 graduate of Eastern Illinois University with a B.S. in Business with a focus on Personal Financial Planning. I am a CERTIFIED FINANCIAL PLANNER™ as of April 2026, and intend to strive to further my education to best serve our clients! Work History I started in the financial industry in college as a bank teller, and quickly found a passion for serving others in my day-to-day work. While in college, I learned about the CFP®️ education program and found my way to financial planning/advising afterwards. After graduating in 2022, I landed at a firm based in Evansville, IN, where I worked in an operations capacity with life insurance, annuities, and investments. In 2025, I decided it was time to move closer to my hometown in IL. I found myself at Rude Wealth Advisory, where intentional and personalized financial planning is the highlight of day-to-day operations. The firm's dedication to serving their clients felt like (and still feels like) a great fit for me! My "Why" Personal finances have always been a "taboo" conversation. It is difficult to feel confident in your financial decisions when there is a lack of conversation, education, and transparency around the topic in the world today. The knowledge I've gained over the years in this industry allows me to encourage clients to have conversations, develop goals and understand how to implement a plan to reach them.

Aaron Kapper is a financial advisor at Packerland Brokerage Services, Inc. with five years of industry experience. He holds the Series 66 designation and has worked at Packerland since 2020. Outside of his advisory role, Kapper is involved in managing an accounting firm, Kapper & Company, where he handles tax returns, bookkeeping, and IT, and he also oversees a staffing firm, Job Works, Inc. Packerland Brokerage Services serves individuals, charities, corporations, and retirement plan sponsors by providing financial planning, portfolio management, and advisory program access. The firm offers both brokerage and advisory solutions through a variety of platforms, including firm-managed portfolios and third-party arrangements, with a focus on individualized planning and routine client reviews.

Andrew Kapper is a financial advisor with Packerland Brokerage Services, Inc. in Olney, Illinois. He holds Series 63 and Series 66 licenses and has 15 years of industry experience. Kapper has been associated with KAPPER & Co Ltd and Packerland Brokerage Services Inc since 2012. Outside of his advisory work, he is the owner of a temporary staffing agency and serves as president of Southeastern IL Youth Golf, a nonprofit promoting youth golf and personal growth. Packerland Brokerage Services, Inc. serves individual and institutional clients, including high-net-worth individuals, trusts, corporations, and retirement plan sponsors. The firm offers a range of advisory services such as financial planning, portfolio management, and retirement-plan consulting, utilizing both direct management and third-party money managers through a comprehensive investment platform.