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. As an independent financial advisor, R&V Personal Finance, LLC, continues to serve women in medicine across the country while expanding to provide a fee-only option for those who call the Driftless Region 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.

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 bringing 29 years of industry experience. His prior roles include positions at Oneota Financial, Royal Alliance Associates, and Signator Investors. In addition to his advisory work, he is licensed as an insurance agent specializing in life, disability, annuities, health, and Medicare supplements. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. 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 account solutions.

Londa Grinna is a CFP® and ChFC® with 24 years of industry experience, currently affiliated with Cetera. She has worked with Cetera Wealth Services, LLC since 2013 and joined Cetera in 2023. Outside of her advisory role, she is a 50% owner of Lifetime Financial Solutions and holds a part-time position as a notary public. Cetera Investment Advisers LLC is a nationwide multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services, managing over $256 billion in assets through a network of more than 10,000 advisors.

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 at LPL Financial with a Series 66 designation and one year of industry experience. His prior work includes positions at FreedomBank and the United States Postal Service. Outside of advising, he is involved in agricultural operations through Thompson Enterprises, a farm and ranch business based in Decorah, Iowa. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services supported by model portfolios, third-party subadvisors, and a variety of investment strategies.

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 at LPL Financial with six years of industry experience. He has worked at Decorah Bank & Trust since 2020 and previously at Assured Partners and Cuna Mutual Group. Outside of his financial advisory work, he coaches Protivin Little League Baseball. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing various portfolio strategies and technology tools to support its network of over 22,800 advisors.

Renae Johnson is a financial advisor with Primerica Advisors in Decorah, IA, holding Series 65 and Series 66 licenses and bringing 17 years of industry experience. Her prior work includes positions at Edward Jones and roles with various organizations such as Wartburg College and Cedar Point Church. She is also involved in the sale of mortgage loan products and home-related services through affiliated companies of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers and supports accounts with trade execution and custody services provided by Pershing.

Zachary Shearer is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has served in the United States Army Reserve since 2007. Outside of his advisory role, he is the head coach of the boys' soccer program at Decorah High School. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Nathan Paulsen is a financial advisor with Edward Jones in Decorah, IA, holding a Series 66 designation and nine years of industry experience. He was previously employed at Roling Ford for one year before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products. The firm operates under a fiduciary standard and supports its advisory services with an extensive national network of advisors and branch offices.

Amanda Mc Intosh is a financial advisor at Thrivent Investment Management with eight years of industry experience. She holds the Series 66 designation and has worked at Thrivent Financial and its related entities since 2016. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive goal-based analyses on a range of financial topics. The firm separates planning services from managed accounts and does not provide portfolio management for institutional clients.

Jason Soland is a CFP® professional with 19 years of industry experience, currently affiliated with LPL Financial. He has worked with Ameriprise Financial Services and serves as a trust officer at Decorah Bank & Trust Co. in Decorah, IA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing both proprietary research and third-party strategies.

Eric Sharar is a financial advisor at Edward Jones in Decorah, Iowa, holding a Series 66 designation with eight years of industry experience. He previously worked at Roling Ford for one year before joining Edward Jones, where he has worked since 2017. Outside of finance, he operates Sharar Woodworks, a woodworking and art business that donates most projects to fundraisers and charity auctions. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including various household types and corporate and charitable organizations. The firm offers a range of advisory strategies and affiliated investment products, managing over $1 trillion in assets across a large network of advisors and branch offices.

Nicole Wiltgen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has worked at firms including Guide Wealth Partners, Securian Advisors of Mid America, and Minnesota Life Insurance Company. Outside of financial services, she is active as a fitness instructor, a member of her parish council at St. Aloysius Church, and a basketball referee. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a variety of portfolio management and financial planning services, emphasizing a multi-manager platform with access to affiliated and third-party money managers.

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 at Ameriprise with nine years of industry experience. He holds a Series 66 designation and has been with Ameriprise since 2015. In addition to his advisory role, he is involved in independent insurance brokering, focusing on Medicare Supplement plans. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing advice centered on income reliability and tax-aware withdrawal strategies.

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 positions at Decorah Bank & Trust, Lincoln Savings Bank, and several other financial and educational institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, employing both strategic and tactical approaches supported by various model portfolios and third-party subadvisors.

Allison Taylor is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 15 years of industry experience. She has worked at Primerica Financial Services since 2010 and PFS Investments Inc. since 2011. Outside of advising, she is involved in sales of non-investment products such as home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm manages approximately $15.5 billion in assets and offers advisory services primarily through model-delivery strategies created by unaffiliated asset managers.

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.

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® with 30 years of industry experience, currently serving as a financial advisor at LPL Financial since 2017. She previously worked at Investment Centers of America, Inc. and Bancwest Investment Services, Inc. Dostal 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 is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individual and institutional clients, offering a range of financial planning, asset management, and retirement solutions through a network of over 22,800 advisors.

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 financial advisor with Raymond James Financial, holding a Series 66 designation and eight years of industry experience. He previously worked at LPL Financial and Edward Jones and is an officer and vice president at Dick Cuvelier Financial Services, where he is involved in client financial planning. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors, utilizing analytical tools and tailored planning to address client goals.

Spencer Cuvelier is a financial advisor at Edward Jones in Decorah, IA, holding a Series 66 designation with two years of industry experience. Before joining Edward Jones, he worked at SitusAMC for two years and has a background that includes roles in education and local community businesses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branches.

Richard Cuvelier is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. He worked at Edward D. Jones & Co., L.P. for 35 years before joining Raymond James in 2019. In addition to his advisory role, he is president of Dick Cuvelier Financial Services in Decorah, IA. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advice using analytical tools and supports a broad advisor network, with specialized programs in municipal finance and employer retirement plans.

Richard Reiser is a CFP® professional affiliated with Osaic Wealth, Inc. in Decorah, IA, with 30 years of industry experience. His prior firms include Securities America, Mutual of Omaha Investor Services, LPL Financial, and Decorah Bank & Trust. He is also engaged in insurance sales through Reiser Financial Services, LLC. Osaic Wealth, Inc. serves a diverse range of clients, including individual, high-net-worth, institutional, and charitable organizations, offering brokerage and advisory services, financial planning, retirement consulting, and access to various managed account platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across multiple asset classes, with discretionary and non-discretionary management options available.

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.