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.

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.

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.

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.

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.

As a Fee-Only, Advice Only planner, I am passionate about empowering and leading others through the nuances and complexities of financial planning. I believe in meeting people where they are at in life, and being in service of others when possible. I do this through professional engagements that provide you with meaningful value, clear and concise communication, and an actionable roadmap intended to help you implement the recommendations I provide. We can work together in an project based (One-time) or ongoing basis, 100% virtually, or in-person, in order to help you best achieve your financial and life goals. My planning process is clarified at the start of an engagement so you understand what I provide though our regular meetings, and how I monitor and analyze your situation behind the scenes. I will also review a sample plan to visually demonstrate how we work together and give you a clear idea on what to expect. Outside of my passion for planning, my wife and I are both outdoor enthusiasts, and enjoy our time with our two year old daughter. I enjoy kayaking, running, cycling, and skiing in my free time. We also make time to travel and experience the world, which aligns with some of the core tenets of Navigate Financial Planning. I offer a 30 minute introductory call to see if I am a good fit for your unique planning need. If you are looking to learn more about how I can help, I'm always happy to have a conversation.

Matthew Temple is a financial advisor at Accel Wealth Management with five years of industry experience. He holds a Series 66 designation and previously worked at Brokers International Financial Services and Nestle. In addition to his advisory role, he is involved in life and health insurance sales related to financial planning. 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, using a total portfolio approach with active, diversified allocations tailored to individual client needs.

Stacie Brass is a financial advisor with Accel Wealth Management, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has held roles at Accel Wealth Management since 2016 and has also served in leadership positions at related firms, including Accel Holdings, Inc. and The Accel Group, LLC. Outside of her advisory work, Brass is a member of the distribution committee for the Community Foundation of Northeast Iowa. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion across about 1,290 client relationships. The firm offers discretionary portfolio management, financial planning, pension consulting, and employee financial-education services, employing a total portfolio approach with active, diversified allocations tailored to individual clients.

Anthony Gaiffe is a CFP® professional with 26 years of experience in the financial services industry. He has worked at Accel Wealth Management since 2019 and previously held roles at Premier Advisors and Ameritas Investment Corp. He serves as a board member of the Prairie School Foundation, an educational nonprofit. Accel Wealth Management is a team-based registered investment adviser managing approximately $1.15 billion for about 1,290 client relationships. The firm offers discretionary portfolio management, financial planning, and pension consulting, using a total portfolio approach with active, diversified allocations tailored through written investment policy statements.

Adam Block is a financial advisor at Principal Advised Services in Cedar Falls, IA, with nine years of industry experience. He holds Series 63 and Series 66 licenses and has held various roles within the Principal Financial Group family since 2016, including positions at Principal Life Insurance Company, Principal Financial Services, and Principal Bank. His work includes providing retirement plan participants with one-on-one investment advice regarding distribution options. Principal Advised Services offers investment advice and related services primarily to retirement plan participants and retail IRA clients, delivering both non-discretionary recommendations and a discretionary, wrap-fee investment management program called SimpleInvest. The firm integrates proprietary models with third-party methodologies and operates closely with affiliated Principal entities, enabling access to proprietary products and coordinated services.

James Franzen is a financial advisor with Prospera Financial Services, Inc. in Denver, Iowa, holding a Series 63 designation and bringing 37 years of industry experience. Prior to joining Prospera in 2025, he spent 20 years at Cutter & Company Brokerage, Inc. He also has longstanding involvement in farming, operating the James N. Franzen Farm since 1978 and producing grain products. Franzen is an associated person with Investors Commodity Services, Inc., an introducing commodity futures broker. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering financial planning, portfolio management, and access to multiple advisory programs and platforms.

Dane Johnston is a financial advisor with First Heartland Consultants, Inc. in Waverly, Iowa, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with First Heartland Capital Inc since 2004. Outside of his advisory role, Johnston owns Frontier Innovations LLC, a product development company specializing in bass fishing jigs. First Heartland Consultants serves a diverse client base, including individual investors, retirement plan participants, charitable organizations, and corporate entities. The firm provides financial planning, model-based management for self-directed 401(k) accounts, non-wrap and wrap asset management, and third-party asset management solutions through a network of independent investment adviser representatives.

Ryan Kriener is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 65 and Series 66 licenses and possessing 19 years of industry experience. He has worked with Park Avenue Securities and Guardian Life since 2007. Kriener serves as a board member of the College Hill Partnership, a community organization in Cedar Falls, IA. Park Avenue Securities, a wholly owned subsidiary of Guardian Life, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients by providing brokerage services, financial planning, retirement plan consulting, and a combination of proprietary and third-party investment advisory programs.

Chandra Ritter is a financial advisor with Primerica Advisors and holds a Series 66 designation. She has three years of industry experience, including roles at Edward Jones from 2014 to 2025 and currently at Park Avenue Securities and Guardian Life Insurance Company since 2025. Ritter is also involved with the Cedar Falls Business and Professional Women organization. Park Avenue Securities serves a broad retail client base with a range of brokerage and advisory services, including financial planning and retirement consulting. The firm utilizes proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Paige Miller is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. She previously worked at Financial Designs Wealth Advisors, LLC and has been involved with several affiliated firms throughout her career. Miller is also a partner at Financial Designs, LLC, where she services previously sold insurance products. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, utilizing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.