Michael Dunlop is a CFP® professional with 10 years of industry experience, currently serving at Ignite Financial in Cedar Falls, IA. He has worked at Benchmark Financial since 2021 and holds a role as Senior Credit Analyst at Viking Pump. Prior to this, he was employed at the University of Northern Iowa from 2016 to 2019. Ignite Financial is a state-registered investment adviser providing investment management, financial planning, and educational seminars. The firm serves a diverse client base including institutional and non-institutional clients and employs a primarily passive, index-fund investment approach grounded in Modern Portfolio Theory.

Axel Hoogland is a financial advisor at Highland Wealth Management in Cedar Falls, IA, with eight years of industry experience. He holds a Series 65 designation and has worked as an engineer for John Deere since 2018. Highland Wealth Management offers fee-only, project-based, and hourly financial planning services, emphasizing strategic asset allocation with passively managed funds. The firm operates without discretionary trading authority or custody of client assets, focusing on written recommendations and client-controlled implementation.

David Becker is a financial advisor at Keystone Wealth Management in Waterloo, Iowa, with 27 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Purshe Kaplan Sterling Investments, Inc. from 2019 to 2023. In addition to his advisory role, Becker is licensed to sell fixed insurance products, including life insurance, annuities, and long-term care. Keystone Wealth Management serves individual and high-net-worth clients as well as small-business retirement plan sponsors, offering portfolio management, financial planning, and fiduciary retirement plan consulting. The firm emphasizes tailored investment strategies with mutual funds and fundamental analysis, provides ongoing account monitoring and reporting, and manages a high client load through aggregation and model-based reviews.

Daniel Fencl is a financial advisor with Fencl Advisory Services, LLC in Cedar Falls, IA, holding a Series 63 designation and over 40 years of industry experience. He has worked with ICM Financial Services, Inc. and Dominion Investor Services, Inc. for multiple decades and currently serves as CEO of ICM Financial Services, Inc. Fencl Advisory Services is a state-registered investment adviser that serves individuals, trusts, retirement plans, corporations, and other professional clients. The firm provides discretionary portfolio management and financial planning with a planning-driven, long-term buy-and-hold investment approach tailored to each client’s goals and risk tolerance.

Spencer Johnson is a financial advisor with Fencl Advisory Services, LLC, holding Series 63 and Series 65 licenses and 10 years of industry experience. He has worked with Fencl Advisory Services and ICM Financial Services since 2016 and was previously associated with Dominion Investor Services, Inc. Johnson is also the owner and president of ICM Financial Services, which provides administrative support and insurance services to clients. Fencl Advisory Services offers investment advisory, discretionary portfolio management, and financial planning to individuals, trusts, retirement plans, and businesses. The firm emphasizes a goal-focused, planning-oriented approach with bespoke portfolio construction and ongoing client education based on long-term buy-and-hold strategies and tailored asset allocation.

Jake Hoppes is a financial advisor at Cedar Valley Wealth Advisors with one year of industry experience. He holds a Series 65 designation. Outside of his advisory role, he operates a small office cleaning business performed during non-trading hours. Cedar Valley Wealth Advisors provides discretionary portfolio management, IRA fiduciary services, and employee benefit plan consulting to individuals, trusts, pension and profit-sharing plans, and businesses. The firm emphasizes long-term, asset-allocation driven strategies using broadly diversified, low-turnover mutual funds and integrates financial planning into its managed-account services.

Howard Dobson Jr. is a CFP® professional with 45 years of industry experience. He has been with American Financial Management, Ltd. since 1983 and previously worked at several related firms including American Financial Securities, Inc. and Investors Professional Services Inc. Outside of his advisory work, Dobson is an author and speaker, managing book sales and speaking engagements through a related entity. He is also a member of the Million Dollar Round Table, volunteering on various committees and its charitable foundation. American Financial Management, Ltd. serves individual investors, retirement plans, trusts, and corporate entities by providing discretionary asset allocation, portfolio management, and financial planning services. The firm employs a modern-portfolio approach using multiple analysis methods and offers specialized services such as participant account management through third-party platforms and RIA-to-RIA technology consulting.

Karla Hoppes is a CFP® with 24 years of industry experience, currently serving at Cedar Valley Wealth Advisors since 2010. She holds a Series 65 license and provides financial advisory services from Cedar Falls, IA. In addition to her advisory role, she contributes occasional support to Touchstone Tax & Accounting, a CPA firm offering accounting and tax planning services. Cedar Valley Wealth Advisors offers discretionary portfolio management, employee benefit plan consulting, and IRA fiduciary portfolio services to individuals, trusts, pension and profit-sharing plans, and businesses. The firm employs a long-term, academic investment approach based on Modern Portfolio Theory, strategic asset allocation, and tax-aware implementation.

Casey Redmond is a CFP® professional with eight years of industry experience, currently affiliated with Ignite Financial in Cedar Falls, IA. He has been involved with Peeling Back Layers since 2017 and Don Bosco Catholic High School since 2014. Ignite Financial is a state-registered investment adviser serving a diverse client base that includes institutional clients, charitable organizations, and individual investors. The firm employs a primarily passive, index-fund investment approach grounded in Modern Portfolio Theory, complemented by fundamental and technical analyses and due diligence on outside managers.

Robert Heaton is a financial advisor with Cedar Valley Wealth Advisors in Cedar Falls, IA, holding a Series 63 designation and 25 years of industry experience. He has been with Cedar Valley Wealth Advisors since 2001 and is also the managing member of Cedar Valley Tax & Accounting, a CPA firm where he provides income tax compliance and accounting services. Additionally, he consults for Touchstone Tax & Accounting, providing similar services on a limited basis. Cedar Valley Wealth Advisors offers discretionary portfolio management, IRA fiduciary services, and employee benefit plan consulting to individuals, trusts, and businesses. The firm employs a long-term, asset-allocation-driven investment approach utilizing broadly diversified, low-turnover institutional-class mutual funds and integrates financial planning into its managed-account services.

David Beaty is a ChFC® credentialed financial advisor with 39 years of industry experience. He is the principal of Heartland Financial Services, Ltd. in Cedar Falls, IA, where he has worked since 1999. Prior to this, he was affiliated with GWN Securities Inc. and Heartland Marketing Resources. Beaty serves as a board member for the Heast Center for the Arts. Heartland Financial Services is a state-registered investment adviser that provides financial planning and consulting services to individuals, high-net-worth clients, and small businesses. The firm emphasizes long-term purchase strategies using mutual funds and ETFs and delivers tailored written plans without managing client assets on a discretionary basis.

Ryan Hervey is a financial advisor with Accel Wealth Management in Waverly, IA, holding Series 65 and Series 63 licenses and 13 years of industry experience. He previously worked at Northwest Wealth Management LLC for nine years before joining Accel Wealth Management in 2022. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion across about 1,290 client relationships. The firm uses a total portfolio investment approach focused on active, diversified allocations and long-term investments, providing discretionary portfolio management, financial planning, pension consulting, and employee financial education.

Caleb Schmidt is a financial advisor at Dynamic Financial Group with 13 years of industry experience. He holds a Series 66 designation and has worked at Dynamic Financial Group since 2017, following prior roles at Cetera Advisors LLC and Financial Resource Advisors. Outside of his advisory work, Schmidt is president of Schmidt Financial Services, Inc., and also works as an insurance agent selling life, health, and long-term care insurance. Dynamic Financial Group advises individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities, managing $474 million in discretionary assets. The firm employs a range of investment strategies including fundamental, technical, and cyclical analysis, and offers comprehensive portfolio management and financial planning through a four-advisor team.

Juan Garcia Heredia is a financial advisor at Accel Wealth Management with one year of industry experience. He holds a Series 65 credential and has a background that includes roles at GM Financial and Elmcrest Country Club. Outside of advisory work, he is the owner of Vega Sports Academy, where he is involved in sports coaching and management. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion for around 1,290 client relationships. The firm employs a total portfolio investment approach that emphasizes active, diversified allocations and long-term purchases, tailoring portfolios through written investment policy statements.

Mitchell Cook is a financial advisor at Accel Wealth Management with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms, including The O.N. Equity Sales Company, Ohio National Financial Services, and Unified Trust Company, N.A. Outside of his advisory role, he is involved in educating and consulting clients on insurance and annuity products tailored to their personal needs. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion across around 1,290 client relationships. The firm follows a “total portfolio” investment approach with active, diversified allocations and long-term holdings, offering discretionary portfolio management, financial planning, pension consulting, and employee financial-education services.

Scott Durscher is a financial advisor with Accel Wealth Management, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked with firms including Brokers International Financial Services and Cambridge Investment Research. Outside of advisory work, he is involved with the Bremer County Conservation Board Support Group as a non-board member assistant handling annual ledger audits. Accel Wealth Management is a team-based registered investment adviser that manages approximately $1.15 billion for around 1,290 client relationships. The firm employs a total portfolio investment approach focusing on active, diversified allocations and long-term purchases, offering financial planning, discretionary portfolio management, pension consulting, and financial-education services.

Michele Krueger is a financial advisor at Accel Wealth Management with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Integrity Alliance, LLC, Cambridge Investment Research, Inc., and The Accel Group, LLC. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion for about 1,290 client relationships. The firm uses a total portfolio investment approach emphasizing active, diversified allocations and long-term holdings, offering services such as discretionary portfolio management, financial planning, pension consulting, and employee financial education.

Todd Manternach is a financial advisor with Accel Wealth Management in Waverly, IA, holding the ChFC® designation and Series 63 and 65 licenses. He has 38 years of industry experience, including roles at Ameritas Investment Corp and Brokers International Financial Services. Manternach is also owner and president of Manternach & Assoc., a corporation focused on retirement planning and non-securities business activities. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion across 1,290 client relationships. The firm employs a total portfolio approach with active, diversified allocations tailored by written investment policy statements and offers discretionary portfolio management, financial planning, pension consulting, and employee financial-education presentations.

Darren Yoder is a financial advisor with Dynamic Financial Group in Cedar Falls, Iowa, holding a Series 66 designation and 22 years of industry experience. He has worked at Dynamic Financial Group since 2017, following a prior role at Cetera Advisors LLC from 2013 to 2017. In addition to his advisory work, he operates as an independent insurance agent. Dynamic Financial Group serves individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities, providing comprehensive portfolio management and financial planning through a team of four advisors managing over $474 million in discretionary assets. The firm employs a combination of fundamental, technical, and cyclical analysis across a wide range of investment strategies with continuous monitoring and rebalancing.

Jason Willenborg is a financial advisor at Accel Wealth Management with 19 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Premier Advisors and Ameritas Investment Corp. Willenborg is also a licensed independent insurance agent specializing in fixed insurance products. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion across about 1,290 client relationships. The firm provides discretionary portfolio management, financial planning, pension consulting, and employee financial-education services, utilizing an active, diversified investment approach tailored through written policy statements.