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Fredrick Dustin Studer

Advisor at Ameritas Advisory Services, LLC — Norwalk, IA

Updated today

Credentials

Series 65, Series 63

Experience

9 years

Location

Norwalk, IA

Ameritas Advisory Services, LLC logo

Ameritas Advisory Services, LLC

Enterprise

Total advisors

550

Across 275 offices

Clients per advisor

53 Typical

Avg AUM per client

$448,118 Typical

HNW client ratio

3% Low

About

Fredrick Studer is a financial advisor with Ameritas Advisory Services, LLC, holding Series 65 and Series 63 credentials and nine years of industry experience. His work history includes roles at Ameritas Advisory Services, Ameritas Insurance Company, and Northwestern Mutual, among others. He is also licensed as an independent insurance agent to sell fixed insurance products through Midwest Financial Solutions, LLC/Central Financial Group. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a range of discretionary and non-discretionary programs utilizing both in-house and third-party investment solutions, supported by integrated services across Ameritas affiliates.

Client services

Based on Ameritas Advisory Services, LLC

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Ameritas Advisory Services, LLC

Annuities Retirement plans for business owners (SEP, solo 401k) Retirement income strategy Wealth management

Occupation focus

Based on Ameritas Advisory Services, LLC

Founder/Business Owner Retired

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Fee options

Fixed

Flat fees for financial planning and consulting services, typically collected 50% in advance and 50% upon delivery

Percentage

$0 - $250,000: Up to 2.00% $250,001 - $500,000: Up to 1.75% $500,001 - $750,000: Up to 1.50% $750,001 - $1,000,000: Up to 1.25% $1,000,001 - $3,000,000: Up to 1.00% $3,000,001+: Negotiable or as low as 0.75% depending on program

Commissions

Commission-based compensation may apply for variable insurance products sold through affiliated broker-dealer AIC

Project-based

Hourly financial planning fees up to $500/hour

Other

Account minimum: Varies by program; see specific program minimums below Minimum fee: Minimum annual program fees such as $40 or $50 depending on program Fee-only: Financial planning and consulting fees charged as hourly fees up to $500/hour or flat fees; one-time or ongoing basis

Location

See office

Norwalk, IA

Norwalk IA

Advisors at this office

1

Most active in

Iowa

Work history

9 years of industry experience

Ameritas Advisory Services, LLC

2023 - Present • 3 years

Lincoln, NE

Ameritas Insurance Company

2022 - Present • 4 years

Lincoln, NE

Ameritas Investment Company, LLC

2022 - Present • 4 years

Lincoln, NE

Midwest Finanical Solutions, Llc/Central Financial Group

2022 - Present • 4 years

Johnston, IA

Northwestern Mutual Wealth Management Company

2021 - 2022 • 1 year

Milwaukee, WI

Northwestern Mutual Life Insurance Company

2021 - 2022 • 1 year

Milwaukee, WI

Northwestern Mutual Investment Services LLC

2021 - 2022 • 1 year

W Des Moines, IA

Unemployed

2020 - 2021 • 1 year

Norwalk, IA

Deery Waukee

2019 - 2020 • 1 year

Waukee, IA

Unemployed

2018 - 2019 • 1 year

Norwalk, IA

Garff Automotive Group

2015 - 2018 • 3 years

Ankeny, IA

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Julia M

CFP®, Series 63, Series 66, RICP®

Des Moines, IA

The Wealth Consulting Group

I've spent nearly 15 years working with women, families, and small business owners who know there's something more they could be doing with their money—they just need help figuring out what that is. ‍ Think of me as your Personal CFO—someone who oversees your entire financial life so you can focus on living it. I’m uniquely qualified as a Certified Divorce Financial Advisor, mediator, businesswomen and mom. I understand complex family dynamics, the impact money can have on relationships. Whether you’re in a phase of life that’s good, bad or ugly, I know the importance of having a trusted confidant when navigating uncharted waters. ‍ Here's what I love: watching clients move from feeling overwhelmed to having a clear path forward. Seeing them ask deeper questions as we work together. Helping them pay less in taxes, efficiently fund their dreams, and leave a legacy that matters. Those outcomes don't happen by accident—they happen when we take the time to understand what really matters to you. ‍ I've played viola most of my life, and music taught me how to listen—really listen—and how every detail matters when you're building something meaningful. I bring that same attention and care to financial planning. Every client is different. Every situation deserves thought and intention. ‍ When I'm not working with clients, I'm performing with Des Moines ensembles, raising three boys with my husband Kyle in Urbandale.

Roth conversion strategy Tax-loss harvesting Retirement income strategy Tax strategies for small businesses Multi-generational wealth transfer Founder/Business Owner Executive Women Professionals SRI/ESG (Socially Responsible Investing/Environmental, Social and Corporate Governance) Divorced Women Female Executives
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Alexandre D

CFA®

Clive, IA

Woodlands Capital Management, LLC

Alexandre Ducharme is a CFA® charterholder and the sole advisor at Woodlands Capital Management, LLC, where he has worked since 2014. He has 10 years of industry experience. Woodlands Capital Management is an independent registered investment adviser serving a small client base, including high-net-worth individuals, with approximately $5.8 million in discretionary assets under management. The firm offers long-only and long/short equity strategies based on fundamental analysis, emphasizing risk control and client objectives, and employs a performance-based fee structure for its long/short strategy with qualified clients.

Active portfolio management
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Joseph H

CFP®, Series 65

West Des Moines, IA

Hart Wealth Management

Joseph Hart is a CFP® and Series 65-licensed financial advisor with eight years of industry experience. He founded Hart Wealth Management in 2025 after seven years with West Financial Advisors, L.L.C. and nine years at RSM US LLP. Hart Wealth Management provides discretionary investment management, comprehensive financial planning, and investment-related tax planning to individuals, families, and businesses. The firm uses a long-term, multi-asset class approach with written investment policy statements and integrates tax-sensitive strategies such as tax-loss harvesting into its portfolio management.

Tax-loss harvesting Passive / index investing
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Christina L

Series 63, Series 65

West Des Moines, IA

Kingdom Wealth Development, LLC

Christina Lueders Ochanpaugh is a financial advisor at Kingdom Wealth Development, LLC with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Cambridge Investment Research and Trinity Financial Group, where she also serves as an independent insurance agent. Kingdom Wealth Development provides financial planning and portfolio management services to individual and high-net-worth clients, focusing on written financial plans and ongoing portfolio oversight. The firm employs an asset-allocation framework primarily using mutual funds and offers both discretionary and non-discretionary management with regular portfolio reviews.

General tax planning General estate planning guidance
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Michael B

CFP®, Series 66

Waukee, IA

Omni Wealth Management

Michael Banasiak is a CFP® professional with 20 years of experience in financial advising. He is the sole advisor at Omni Wealth Management, where he has worked since 2020. Prior to that, he was with Iron Horse Wealth Management for three years and Legacy Financial Group, LLC for eleven years. Omni Wealth Management is an independent firm that provides fee-only financial planning and personalized investment management to individuals and institutional clients, including retirement plans, trusts, and charitable organizations. The firm manages discretionary, tailored portfolios through a mix of in-house advisers and outside portfolio managers, and it operates a wrap fee program designed to absorb transaction costs.

Wealth management Annuities
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Michael M

Series 63, Series 65

Urbandale, IA

DSM Financial L.L.C.

Michael Moller is the principal of DSM Financial L.L.C. in Urbandale, IA, with 38 years of industry experience. He holds Series 63 and Series 65 registrations and has worked in various capacities within the financial services industry since 1984. In addition to his advisory role, Moller maintains a life insurance practice focusing on term and whole life insurance. DSM Financial L.L.C. serves approximately 200 client relationships, including high-net-worth individuals, plan sponsors, and business entities. The firm offers financial planning, educational seminars, retirement-plan consulting, and refers clients to registered third-party investment managers, acting as a liaison and providing non-discretionary ERISA services for retirement plans.

General retirement planning Cash flow / budgeting
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