Kevin Timmerman is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Creative Planning since 2017. Prior to this, he worked at Steele Capital Management for 23 years. He also serves as an adjunct professor at Loras College, teaching approximately five hours per month. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning-led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supported by a broad range of supplemental investment options and integrated retirement plan services.

Tricia Holdgrafer is a financial advisor with Eagle Strategies (NY Life) based in Bellevue, Iowa, holding Series 63 and Series 65 licenses with nine years of industry experience. She has been with Eagle Strategies since 2021 and concurrently associated with NYLIFE Securities LLC and New York Life Insurance Co. since 2017. Outside of her advisory role, she serves as an officer and handles accounting for Holdgrafer Dairy, Inc., a family-operated business. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plans, providing financial planning, investment management, and retirement-plan advisory services. The firm offers tailored advisory solutions through multiple program types and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Jacob Rosalez is a financial advisor with Cetera Planning Partners and holds a Series 66 designation. He has six years of industry experience and has previously worked with firms including Avantax and Ameriprise Financial Services. Rosalez also assists investment representatives with their clients through Avantax Planning Partners. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm provides investment management, financial planning, Social Security optimization, and retirement advice, along with ancillary services such as tax planning, bookkeeping, payroll support, and estate-planning through third-party providers.

Paul Heacock is a Series 63 licensed financial advisor with 25 years of industry experience. He has worked at Wealth Enhancement Advisory Services, LLC and Wealth Enhancement Group since 2023, following a 23-year tenure at Heacock Jones Financial Services. He is also named as a contingent tertiary trustee for a revocable living trust in Dubuque, Iowa. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Colin Allison is a financial advisor with Empower Advisory Group in Dubuque, Iowa, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His career includes roles at GWFS Equities, Prudential Customer Solutions, Global Portfolio Strategies, and Prudential Insurance. Outside of advising, he is the owner of a property management business. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm’s integrated approach uses proprietary and third-party methods focused on long-term portfolio returns and savings rates, with close alignment to Empower’s recordkeeping and administrative platforms.

Nathan Smith is a financial advisor at Cetera Planning Partners in Dubuque, IA, with three years of industry experience. He holds Series 63 and Series 66 certifications. Prior to his current role, Nathan worked at Charles Schwab & Co., Inc. and Avantax Planning Partners. Outside of his advisory work, he is employed as a barista at Starbucks Corporation. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers, employing a document-driven planning process and diversified investment allocations tailored to client objectives and risk tolerance.

Austin Schaul is a CFA® charterholder and holds a Series 65 license with nine years of industry experience. He is currently with Cetera Planning Partners and has previously worked with Avantax Investment Services, Avantax Advisory Services, and HK Financial Services. Outside of financial advising, he was involved with Marcos Italian Restaurant for one year. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees. The firm provides investment management, comprehensive financial planning, Social Security optimization, and retirement advice, with additional services including tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Nicholas Bishop is a CFP® with 10 years of industry experience, currently affiliated with Cetera Planning Partners. His prior roles include positions at Avantax Advisory Services, HK Financial Services, and American Trust & Savings Bank. He is under consideration for a board member role at Albrecht Acres, a community organization in Iowa. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, and retirement-related advice. The firm emphasizes diversified portfolios aligned with client objectives and integrates tax, bookkeeping, and estate-planning services through a larger Cetera network.

Eric Amberg is a financial advisor at Empower Advisory Group with 21 years of industry experience. He holds a Series 66 designation and has worked at firms including Prudential Investment Management Services LLC and Global Portfolio Strategies, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Emily Schwendinger is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 designation and having two years of industry experience. She previously worked at Heacock & Jones Financial Services and The Calico Bean Market. Schwendinger is based in Dubuque, IA. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and referrals to separate managed account managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and utilizes a diversified, risk-class based investment approach combining passive and active management overseen by an internal Investment Committee.

Kyle Sperfslage is a Series 65-licensed financial advisor with Cetera Planning Partners in Dubuque, Iowa. He has been in the industry since 2022, previously working at Avantax Planning Partners and Prinsco. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees. The firm provides investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice, along with additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Jennifer Wardle is a financial advisor at Empower Advisory Group with 19 years of industry experience. She holds a Series 66 designation and has worked at GWFS Equities, Inc., Prudential Customer Solutions LLC, Prudential Investment Management Services LLC, and The Prudential Insurance Company of America. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage account holders. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Ivan Gruhl is a CFA® charterholder with 37 years of industry experience, currently affiliated with Cetera Planning Partners in Dubuque, IA. His career includes roles at Avantax Advisory Services and Honkamp Krueger Financial Services. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and other retirement-related services. The firm’s investment approach emphasizes diversified allocations tailored to client objectives and risk tolerance, supported by a structured planning process and integration with the broader Cetera network’s resources.

Spencer Sell is a financial advisor with Empower Advisory Group in Dubuque, IA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Gwfs Equities, Inc. since 2022 and multiple roles within Prudential entities from 2012 to 2022. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm’s services focus on integrated financial plans and managed accounts within Empower’s recordkeeping and administrative platforms.

Will Davies is a financial advisor at Cetera Planning Partners with a Series 65 credential and one year of industry experience. Prior to joining Cetera Planning Partners, he worked at Avantax Planning Partners and held teaching positions at the University of Denver, University of San Diego, University of Iowa, and Culford School. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm integrates a formal, document-driven planning process with diversified mutual fund and ETF allocations and offers additional services including tax planning, bookkeeping, payroll support, and an estate-planning service through a third-party provider.

Jason Sartori is a financial advisor with VOYA Financial Advisors, Inc. He holds a Series 66 designation and has 21 years of industry experience. His prior work includes roles at LPL Financial, Midwest One Bank, Empower Retirement, Prudential, and Global Portfolio Strategies. Outside of his advisory work, Sartori volunteers as an assistant coach for the Dubuque Independent League Baseball. VOYA Financial Advisors serves a broad range of individual and institutional clients, offering financial planning, portfolio management, and consulting services. The firm operates multiple program structures, including wrap programs and third-party manager access, and maintains a preference for non-discretionary, recommendation-based client relationships.

Daniel Buchenau is a financial advisor with Empower Advisory Group in Dubuque, IA, holding Series 63 and Series 65 credentials and 23 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and related entities from 2004 to 2020, as well as Empower Retirement since 2021. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates, operating within an integrated platform that aligns with Empower’s recordkeeping and administrative services.

Trevor Thomas is a CFP® with 13 years of industry experience, currently advising clients at Cetera Planning Partners. His prior experience includes roles at Avantax Planning Partners, Rapier Solutions, RSM US Wealth Management, and Equitable Advisors. He holds Series 63 and Series 65 licenses. Cetera Planning Partners serves individual and high-net-worth clients, particularly pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement advice. The firm’s approach emphasizes diversified allocations through mutual funds and ETFs, complemented by additional services such as tax planning, bookkeeping, payroll support, and estate planning through a third-party provider.

Brian Sauser is a CFP®-designated financial advisor with Eagle Strategies (NY Life) based in Dubuque, Iowa, with 26 years of industry experience. He has been associated with Eagle Strategies since 2008 and New York Life Insurance Company since 1999. Sauser also operates Sauser Financial, LLC, which offers insurance brokerage services including fixed annuities, life, health, and disability insurance. Eagle Strategies serves a diverse client base including individuals, institutional investors, and retirement plans, providing financial planning, investment management, and retirement-plan advisory services. The firm delivers tailored advice through various program types and maintains a predominantly non-discretionary asset base, operating within an integrated New York Life affiliate structure.

Heather Heim is a financial advisor at Empower Advisory Group in Dubuque, IA, holding a Series 66 designation. She has one year of industry experience and has held previous roles at Empower Financial Services, Emmaus University, and Change Healthcare. Outside of her financial career, she has been involved with Crossroads Church Peosta since 2022. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm’s integrated service model combines proprietary and third-party planning methodologies with recordkeeping and administrative platforms.