RVPF exists to support professional women in medicine and their families ease the burden of financial decision making, planning, and management. The task of maintaining balance between the roles of professional, spouse, mother, sister, daughter, and friend can be overwhelming. RVPF is here to help. Betsy’s story begins in Iowa on a pretty typical small family farm. Her youth was spent playing sports, preparing projects for the county fair, a first job bagging groceries, and roaming about in a way that is atypical now. High school graduation sent her off toward a bachelor’s degree in Food Science. A couple collegiate job experiences included a test kitchen analyst for a large regional grocery store chain and quality control engineering position for the company that makes SPAM. Betsy then completed a master’s degree in family and consumer sciences, an area of study which gave rise to many of today’s collegiate financial planning programs. Four years of teaching personal finance to high school students while her new spouse completed medical school steered her toward a position as a personal financial counselor at Travis AFB in Fairfield, CA, where her spouse completed residency and eventually joined the teaching faculty. It was at the University of California Davis Extension where Betsy completed her CFP® professional certification and knew that she had found her calling. After over five years as an independent financial advisor, R&V Personal Finance, LLC, continues to serve women in medicine all over the country while expanding to provide a fee-only option for those who call the greater Decorah area home.

Ashton Schwickerath is a financial advisor at Principal Financial Services with one year of industry experience. He holds a Series 66 designation and previously worked at Dietzenbach Financial and Kout Farms. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, and access to third-party money managers through various advisory and promoter arrangements.

Matthew Dietzenbach is a financial advisor at Principal Financial Services with five years of industry experience. He holds a Series 66 designation and has worked at Principal Financial Services and affiliated entities since 2020. Outside of advising, he co-owns and operates agricultural businesses that manage hog leasing facilities in Iowa. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs delivered through various advisory and promoter arrangements.

Jason Knox is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Lincoln Investment since 2010 and previously operated Knox Financial Group for over two decades. Outside of his advisory work, he owns and operates Knox Financial Services, LLC, and Insurance Management Group, Inc. Lincoln Investment is an SEC-registered investment adviser and broker-dealer managing approximately $18.9 billion in assets through a network of nearly 900 advisors. The firm serves individuals, employers, retirement plan participants, charitable organizations, corporations, and other registered investment advisers, offering a range of financial planning, custom and model portfolio management, and access to third-party managers.

Eric Dietzenbach is a financial advisor with Principal Financial Services based in Calmar, IA, holding Series 63, 65, and 66 licenses and with four years of industry experience. His work history includes roles at Principal Life Insurance Company, Principal Securities Incorporated, and Dietzenbach Financial. Outside of his advisory work, he is involved in a local roofing business owned with his wife's family, where he contributes to business strategy. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation typically handled on a discretionary basis.

Jonathan Pipho is a financial advisor with Principal Financial Services in Decorah, IA, holding Series 63 and Series 66 licenses and having 28 years of industry experience. His work history includes roles at Principal Securities Inc, Oneota Financial, Principal Life Insurance Company, Royal Alliance Associates, Inc., Signator Investors, Inc., and Transamerica Financial Advisors, Inc. Outside of his advisory work, he is an insurance agent for life, disability, annuities, health, and Medicare supplement products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed accounts.

Londa Grinna is a CFP® and ChFC® with 24 years of industry experience, currently serving as a financial advisor at Cetera. She has been with Cetera and its affiliated entities since 2013. Outside of her advisory role, she is a 50% owner of Lifetime Financial Solutions and provides notary public services. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, combining advisor-managed accounts with firm-sponsored model portfolios and third-party managed options.

Sara Bulman is a financial advisor with Primerica Advisors in Decorah, Iowa, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She has worked with PFS Investments, Inc. and Primerica Financial Services since 2011. Bulman is the owner of Bulman & Associates, Inc., a business formed for Primerica purposes, and serves as a volunteer board member for Opportunity Homes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients, with a tiered wrap fee structure and third-party asset manager oversight.

Russell Schouweiler is a financial advisor at Thrivent Investment Management with six years at the firm and five years of industry experience. He previously worked at Luther College for ten years. Outside of his advisory role, Schouweiler coaches youth soccer and serves as Treasurer and a Board Director for the Decorah Area Chamber of Commerce. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm offers these services through a network of financial advisors, combining planning with managed accounts under a consolidated billing option called WealthPlan.

Keith Thompson is a financial advisor with LPL Financial in Decorah, Iowa. He holds the Series 66 designation and has experience working at Decorah Bank & Trust and FreedomBank. Outside of his advisory role, he operates Thompson Enterprises, a farm and ranch business in Decorah. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and charities. The firm offers a variety of financial planning and asset management solutions supported by an in-house research team and a large network of investment adviser representatives.

Michelle Alstat is a financial advisor with Primerica Advisors in Decorah, IA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. Her prior work includes roles at CBE Group and PFS Investments Inc., and she is involved in sales of investment-related products as well as non-investment referrals for home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a tiered wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors while maintaining oversight and manager selection authority.

Chad Mills is a CFP® professional with five years of industry experience, currently affiliated with LPL Financial in Cresco, Iowa. His prior roles include positions at Decorah Bank & Trust, Assured Partners, and Cuna Mutual Group. Outside of his advisory work, Mills coaches for Protivin Little League Baseball. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

Renae Johnson is a financial advisor with Primerica Advisors in Decorah, Iowa, holding Series 65 and Series 66 licenses and bringing 17 years of industry experience. Her prior work includes roles at Sparboe Foods, USPS, and involvement with Cedar Point Church, alongside ongoing positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a selection of separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on retail client portfolios rather than institutional or pension plans.

Zachary Shearer is a financial advisor at Edward Jones in Decorah, IA, holding a Series 66 designation with six years of industry experience. He has been with Edward Jones since 2019 and also serves as the head coach of the boys’ soccer program at Decorah High School. Additionally, Shearer has served in the United States Army Reserve since 2007. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm manages over $1 trillion in assets through a large network of advisors and offers a range of advisory programs and affiliated investment products.

Nathan Paulsen is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to joining Edward Jones, he worked in the automotive industry at Roling Ford and Jerry Roling Motors. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large national network of financial advisors and branch offices.

Amanda Mc Intosh is a Series 66-licensed financial advisor with eight years of experience at Thrivent Financial and Thrivent Investment Management. She has been with Thrivent and related entities continuously since 2011. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers holistic, goal-based financial analyses and allows clients to combine planning with managed accounts while keeping services separate.

Jason Soland is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including prior roles at Ameriprise Financial Services and Decorah Bank & Trust Co, where he also serves as a trust officer. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households, offering a range of financial planning, advisory programs, and third-party asset management options.

Nicole Wiltgen is a financial advisor at Cetera with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Guide Wealth Partners and Securian Advisors of Mid America. Outside of her advisory role, she serves as a parish council member for St. Aloysius Church and works as a fitness instructor and basketball official. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing a combination of advisor-managed accounts, firm-sponsored model portfolios, and third-party managed solutions.

Matthew Siegle is a financial advisor with Ameriprise in Decorah, IA, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, primarily managing assets held within Ameriprise accounts and utilizing algorithmic tools overseen by an internal committee.

Michael Boguslawski is a financial advisor with Ameriprise in Decorah, IA, holding a Series 66 designation and eight years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. In addition to his advisory role, he is involved in independent insurance brokering, focusing on Medicare Supplement products with Wellmark. Ameriprise provides a retirement-income planning service primarily for individuals nearing or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, emphasizing solutions within Ameriprise-managed accounts.

Taylor Lensing is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2022, Taylor held roles at Decorah Bank & Trust, Lincoln Savings Bank, Pella Real Estate Services, Fidelity Bank & Trust, and the University of Northern Iowa. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers various advisory programs supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Allison Taylor is a financial advisor at Primerica Advisors with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Terex, PFS Investments Inc., and Primerica Financial Services. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a range of strategic investment models.

Justin Gullekson is a CFP® with 30 years of industry experience, currently serving at Edward Jones since 2025. Prior to joining Edward Jones, he worked for Decorah Bank & Trust for 11 years and held a position at Investment Centers of America Inc. He is involved in leadership training as a consultant and serves as Treasurer on the Board of Directors and Board of Trustees for WinnMed in Decorah, IA. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets with a nationwide network of over 23,700 advisors and offers a range of investment strategies under a fiduciary standard.

De Anne Krull is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 16 years of industry experience. She previously worked at Bank of the West, BancWest Investment Services, and Anderson Law Office. Outside of finance, she owns a tractor repair and restoration business in Decorah, IA. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house Research team and accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

James Whitehill is a financial advisor with Edward Jones in Decorah, Iowa, holding Series 63 and Series 66 licenses and having 24 years of industry experience. He has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jeffrey Olinger is a financial advisor at Thrivent Investment Management with 19 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2006. Outside of his advisory role, he is a principal of Water Street Professional Group LLC, where he oversees the rental and maintenance of office space and apartments. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based analyses and written recommendations across various financial planning topics without discretionary trading authority.

Tracy Dostal is a CFP® professional with 30 years of industry experience, currently serving at LPL Financial since 2017. Prior to that, she worked at Investment Centers of America, Inc. from 2014 to 2017. She is a member of the Trust Investment Committee at Decorah Bank and Trust Company and serves on the board of the Winneshiek County Community Foundation. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, charities, and high-net-worth households. The firm offers a wide range of investment delivery options supported by an in-house Research team, combining large-scale advisory operations with various non-advisory products.

Matthew Olson is a financial advisor at Ameriprise with 18 years of industry experience and holds a Series 66 designation. He has worked at Ameriprise and its affiliated firms since 2007. Outside of his advisory role, Olson is involved in music production and performance, operating a music production studio and engaging in related creative activities. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset criteria. The firm combines research and modeling with personalized recommendations and provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Brett Van Sloten is a Series 66-licensed financial advisor with eight years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors and is also Vice President and Treasurer of Dick Cuvelier Financial Services, a support company based in Decorah, IA. His prior roles include positions at LPL Financial, Edward Jones, and Beck's Superior Hybrids. Raymond James Financial Services Advisors serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored advice supported by firm research and a broad affiliate network.

Spencer Cuvelier is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked at SitusAMC for two years and has a background that includes several years in full-time education and roles in recreational and service businesses. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Richard Cuvelier is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and over 41 years of industry experience. He previously worked at Edward D. Jones & Co., L.P. for 35 years before establishing Dick Cuvelier Financial Services, where he serves as president and branch manager. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and public entities. The firm emphasizes non-discretionary financial planning and investment consulting, supported by extensive research and a broad affiliate network.

Richard Reiser is a CFP® professional with 29 years of industry experience, currently affiliated with OSAIC. His prior experience includes roles at Securities America, Mutual of Omaha Investor Services, LPL Financial, Decorah Bank & Trust, and Investment Centers of America. He also holds an insurance agent position in addition to his advisory work. OSAIC is a large investment adviser and broker-dealer serving a diverse client base, including individual investors, retirement plans, corporations, and charitable organizations. The firm employs a comprehensive investment process utilizing risk-tolerance assessments, asset allocation software, and portfolio optimization tools, offering both discretionary and non-discretionary account management.

Ryan Burras is a financial advisor with Ameriprise in Decorah, Iowa, holding a Series 66 designation and having 10 years of industry experience. He previously worked at Edward Jones for six years before joining Ameriprise in 2021. Burras serves on the Board of Directors for the Pheasants Forever Winneshiek County Chapter and is involved in several real estate-related business activities, including operating an Airbnb listing on his property. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research-driven, tax-efficient strategies and algorithmic tools to produce personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.