Randy Sefrit is a CFP® and Series 66-licensed financial advisor with three years of industry experience. He is currently with Cambridge Investment Research Advisors and has held prior roles within Cambridge Investment Research, Inc. He also has experience at Farmers Mutual Telephone Company, Southwestern Community College, and State Savings Bank. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions, including proprietary models and access to third-party managers, with both discretionary and non-discretionary strategies tailored to client objectives.

Ali Shemirani is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has worked since 1996. With a career in financial services beginning in 1993, Ali provides a personalized wealth management process tailored to clients' unique goals, time horizons, liquidity needs, and risk temperament. He advises individuals and families on various aspects of their financial lives including 401(k)/retirement plans for institutions, access to banking services through Bank of America, investments, retirement planning, and trust and estate planning services. Ali specializes in guiding clients through the complexities of employer benefits to help them pursue financial freedom and a secure retirement. He understands the challenges of living longer and managing multiple caregiving roles and aims to help reduce the stress and uncertainties associated with retirement. He and his team leverage extensive resources accumulated over decades of combined experience. Ali holds a Personal Investment Advisor (PIA) designation and earned his High School Diploma from Redwood High School. He served honorably in the US Army. Ali resides in Clive with his wife, Jan, and son, Joshua. Both Ali and Jan are actively involved in their son's school community through the Crossroads Park Elementary PTA and support the West Des Moines School District and West Des Moines Soccer Club. Additionally, Ali participates in various charitable organizations including Children and Families of Iowa, The Orchard Place, AHeinz 57 Pet Rescue, Food Bank of Iowa, the Wounded Warrior Project, and others.

Dustin Lambert is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation. Prior to joining Edward Jones, he worked in security services with Securitas USA Inc. and Securitas Canada LTD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and operates a large nationwide network of financial advisors and branch offices.

Julia Reis is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and one year of industry experience. She has worked at Primerica Financial Services since 2021 and at Primerica Advisors since 2024. Prior to her financial career, she was employed at Dallas Center Grimes High School from 2017 to 2021. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm delivers advisory services through a large network of advisors and employs model-based investment strategies managed by third-party asset managers.

Donald Flannery is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 32 years of industry experience. His prior roles include positions at Merrill and Wells Fargo Advisors LLC, where he worked before joining his current firm. Outside of advising, he is involved in managing rental farmland in Iowa. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs research and diversification principles in its investment approach and offers both brokerage and advisory solutions through a large nationwide network.

Carla Mulcahy is a financial advisor with Mass Mutual Investors Services based in Waukee, IA. She holds Series 63 and Series 65 licenses and has 13 years of industry experience, including roles at MassMutual and MML Investors Services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

James Pede Jr. is a financial advisor with Cetera who holds the CFP® and ChFC® designations and has 42 years of industry experience. His prior roles include positions at First Allied Securities and First Allied Advisory Services. Outside of his advisory work, he serves as an usher and greeter at the Lutheran Church of Hope. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with access to affiliated and third-party managers across various program structures.

Kevin Pearson is a financial advisor with Edward Jones in Des Moines, IA, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1994. Outside of his advisory role, Pearson is involved in seasonal agricultural labor with Smith Fertilizer and Grain. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment options under a fiduciary standard.

Michael Shields is a CFP® professional affiliated with Edward Jones in Urbandale, IA, with 14 years of industry experience, all with Edward Jones since 2012. Outside of his advisory role, he owns That'll Work LLC, a video production company focused on social media content, and holds a shareholder interest in Goald Ltd, a phone app promoting challenge and trick shot activities. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals and institutions. The firm manages approximately $1.01 trillion in assets through a large national network of financial advisors and offers a variety of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

David Nichols is a financial advisor with OSAIC, holding a Series 63 designation and bringing 37 years of industry experience. His prior experience includes 11 years with FSC Securities Corporation and an ongoing affiliation with MassMutual Life Insurance Company since 1987. Nichols is also president of DJ Nichols Insurance Inc., a fixed annuities business structured as an S Corporation. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services along with access to third-party money managers and wrap programs. The firm employs tools such as asset-allocation models and risk-tolerance questionnaires to construct diversified portfolios across various asset classes.

Ashley Shafer is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2012, including a role at Morgan Stanley Private Bank, National Association since 2015. Shafer serves on the Finance Committee of the Mid Iowa Health Foundation in Des Moines, Iowa. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning and serves clients through tailored strategies developed by its Financial Advisors and Estate Planning Strategies Group.

Grant Heddinger is a CFP® with 12 years of industry experience, currently serving as an advisor at OSAIC since 2018. He has previously worked at Signator Investors Inc and Ameritas Investment Corp. Heddinger holds roles at Central Financial Group involving sales and marketing of fixed annuities, insurance, and securities, and is a board member of the NAIFA Central Iowa Chapter. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary accounts through multiple advisory platforms.

James Spooner is a financial advisor with UBS Financial Services in West Des Moines, Iowa, holding a Series 63 designation and 40 years of industry experience. He has been with UBS since 1989. Outside of advisory work, he owns an agricultural and livestock farm investment business and serves on the Board of Directors for Citizens First National Bank. He also holds the position of President for the Des Moines Area Community College Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides customized financial planning and portfolio management supported by proprietary research and a wide platform of capital markets and banking services.

Luke De Venney is a financial advisor with Raymond James & Associates in Clive, Iowa. He holds the Series 66 designation and has experience in previous roles at Cintas Corporation, AssuredPartners, Cetera Financial Group, and Holmes Murphy & Associates. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Isabelle Kling is a financial advisor with Morgan Stanley in West Des Moines, Iowa, holding Series 63 and Series 66 credentials and four years of industry experience. She previously worked at J.P. Morgan Securities and Principal Financial Group, among other firms. Outside of her advisory role, she has worked as a barista at Caribou Coffee and as a server at Bar Nico. Morgan Stanley Wealth Management offers a wide array of advisory services to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional offerings with various investment and trading activities through its affiliates.

Michael Franke is a financial advisor with Ameriprise in Waukee, IA, holding a Series 63 designation and 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advising, he is co-owner of B and E Farms LLC, a farming business. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset 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 in a centralized consulting approach and provides a wide range of advisory, brokerage, and insurance solutions.

Kurt Belger is a CFP® and CFA® with 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Roger Ruden is a financial advisor with Equitable Advisors in Des Moines, IA, holding Series 63 and Series 66 designations and 32 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked at Axa Advisors, LLC and VOYA Financial Advisors, Inc. His outside business activities include various outside insurance brokerage. Equitable Advisors serves individual clients across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm uses a combination of proprietary and third-party advisory models and offers ERISA fiduciary services through credentialed representatives.

David Tanner is a financial advisor at OSAIC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Gradient Securities, Heartland Retirement Group, PFS Investments, and Primerica Financial Services. Tanner serves on the board of directors for the Indianola Noon Lions Club. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services with portfolio construction tools, third-party money manager access, and supports both discretionary and non-discretionary account management.

Savannah Halva is a financial advisor at Ameriprise with two years of industry experience. She holds a Series 66 designation and has previously worked in various roles including at The Cafe and Iowa State University. Outside of her advisory work, she is employed as a Support Advisor on the Sales & Advice Team at Integrity Point LLC. Ameriprise serves clients primarily through its retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports delivered in partnership with its financial advisors.