Dave is the main point of contact for all investment and portfolio-related questions. He proactively monitors client accounts and notifies them individually if there are concerns or recommendations for change. When it comes to your hard-earned finances, the management of your account is not assigned to anyone else. If you have a concern related to your investments, Dave will handle it directly.
After graduating from Illinois State University in 1998, I immediately started helping clients plan for the future as a Financial Advisor. During that time, I have experienced the bursting of the dot com bubble; the subsequent correction from 2000-2002; the longest war in our nation’s history; the attacks of September 11th; the corporate scandals of Enron and Worldcom; a disputed Presidential election; interest rates going up, down and staying at unprecedented levels for an extended period of time; the downturn of 2008; the Bernie Madoff and Russ Wasendorf scandals, the housing crisis, the collapse of Lehman Brothers and the first-ever downgrade of our nations credit rating. Needless to say, while I'll never claim to have experienced every potential circumstance, it is safe to say that I have been tasked with guiding clients through some of the most dynamic and uncharted situations for any investor.
In 2003, I earned my CERTIFIED FINANCIAL PLANNER™ designation and my Chartered Financial Consultant designation in 2005. I believe in clear and concise recommendations that are designed to directly address your needs and objectives. As such, I do not believe in the use of fancy presentations that are meant to dazzle the eyes while glossing-over the mechanics of how a particular product meets your needs. In the end, I want clients to fully-understand and be completely comfortable with the recommendations and advice I give them before implementing any plan.
Background and Family
My wife Staci and I met while we were both attending Illinois State University. We were married shortly after graduation in 1998 and moved to Janesville, Wisconsin where I started my career as a financial advisor. In 2000, I was recruited by a national financial services firm to take over their Cedar Falls, Iowa office. It was like coming home for us because Staci grew up in Waverly and her parents still live there today.
In 2003, we welcomed Christian into our family. He keeps himself very busy between being on the drumline for Cedar Falls High School’s Marching and Pep bands, robotics and tech team at Prairie Lakes Church. In 2019, after serving for two-terms as the senior patrol leader (the youth leader of a Boy Scout Troop) for Troop 500 in Cedar Falls, he earned his Eagle rank. In the summer of 2019, Christian traveled to China and spent a very rewarding week working at Jonah’s orphanage. For Spring Break 2020, Christian will travel to Los Angeles with the Cedar Falls High School choir. Eventually, he’d love to get into a career working with lighting, sound production or possibly video editing. His biggest challenge is not trying to find areas that he’s interested in, but in trying to narrow down those interests.
In 2006, Anna was born and she quickly found an affinity for horses. In 2014, she was given a horse that she knew quite well by some very generous friends. Ever since then, she loves riding her horse Misty and often says, "a day is never wasted when spent in the saddle." She also loves to run and was the highest finisher for 7th and 8th grade girls from Cedar Falls at the 2018 State Cross Country meet in Ankeny. In 2019, she spent several days working with Dr. Jeff Young of Denver, Colorado from the TV show, “Dr. Jeff Rocky Mountain Vet” at his clinic helping with anything they’d give her. She hopes to intern there for a summer in high school. Her long-term goal is to attend Iowa State University and become a small-animal Veterinarian.
Just a year and nine days after Anna, Carson was born in 2007. While Christian is the very typical Type A first-born, Carson couldn't be more different. To say Carson is laid back would be an understatement. In spite of this, he always seems to land on his feet. Starting in 2018, Carson started playing baseball, but his true sports love is football. He played linebacker, wide receiver and on the special teams for Holmes Junior High School in Cedar Falls and loved every minute of it. In his spare time, he plays percussion for his school’s band. He, like his older brother, is also the Senior Patrol Leader for Troop 500 in Cedar Falls and plans on achieving his Eagle rank sometime in 2020. In the summer of 2020, Carson will go to Alaska with his Boy Scout troop for a week of adventure. Eventually, he hopes to attend the United States Military Academy at West Point.
Finally, our family took a wonderful and unexpected turn in 2015. Staci and I have supported an orphanage in China for several years. In February of 2015, she was asked to travel to the orphanage to see the tremendous work they are doing first hand. As a bucket-list item, she really wanted to go. I was in favor of her going, as long as it wasn't the precursor to adopting, only because I felt we had our hands plenty full with our three children. She agreed and off she went. To make a long story short and through some amazing miracles, God changed my heart in a way only He can. When she arrived home from her trip, I told her I thought we should adopt a boy she met while on the trip. Shortly thereafter, we were filling out paperwork and progressing toward expanding our family.
In May of 2016, all five of us flew to China for 17 days and finalized the adoption of our fourth child, Jonah. He was born with Spina Bifida, so he is paralyzed from his waist down, but that doesn't slow him down one bit. He has a personality many times the size of himself and is a tremendous blessing to our entire family. Jonah has never met anyone he doesn’t want to be friends with and has a way of lighting up any room that he enters. He loves to play wheelchair basketball for the Rolling Panthers and went with his team to Louisville, Kentucky in 2018 to play in the National Wheelchair Basketball Tournament where they finished in 12th place. He also plays sled hockey in Des Moines and is so grateful for the generous support raised for Miracle Park in Parkersburg where he plays baseball and Place to Play park in Cedar Falls.
Staci stayed home with our kids ever since Christian was born and she has enjoyed every minute of it. When our three biological children were all in school, she regularly volunteered there. She was in charge of the annual fundraiser at the children's school for several years, helps in each of their classrooms, is the past President of Anna's Pony Club and helped with the fundraising for Place to Play park. In addition to playing full-time chauffeur for our children, she also regularly collects medical supplies for Jonah’s orphanage in China.
In addition to my responsibilities at work, I volunteered in our kid's classrooms at school, served on the leadership for Carson's Cub Scout Pack, helped with Christian's robotics team, coached their athletic teams, gone on numerous campouts with Christian and Carson for Boy Scouts and served as the Vice-Chairman of the Trustees board at First Baptist Church (Prairie Lakes Church). I also spend a fair amount of time taking Anna to riding lessons and helping her grow in her love for horses. Jonah never wants to stay put, so he is usually closely in tow no matter where we go. Needless to say, we don't spend too much time sitting still, which is a great thing at this stage in life. I've always said that I make my best investments at home and I strive to do that every day.
Statement of Faith
As a born-again, evangelical Christian, my faith is the most important aspect of my life. That faith is based on the following principles:
The Word of God
I believe that the Bible is the fully inspired Word of God, without error in the original manuscripts, written under the inspiration of the Holy Spirit, and that it has supreme authority in all matters of faith and conduct.
(2 Timothy 3:16; 2 Peter 1:20-21)
I believe that there is one living and true God, eternally existing in three persons, equal in every divine perfection, and that they execute distinct but harmonious roles in the work of creation, providence, and redemption.
(Genesis 1:1,26; Matthew 28:19; John 1:1,3; 4:24; Acts 5:3,4; Romans 1:20; Ephesians 4:5,6; 2 Corinthians 13:14)
God the Father
I believe in God, the Father, an infinite, personal spirit, perfect in holiness, wisdom, power, and love. I believe that He concerns Himself mercifully in the affairs of each person, that He hears and answers prayer, and that He saves from sin and death all who come to Him through Jesus Christ.
(Isaiah 40:28, Jeremiah 33:3, John 14:1-14,23, James 4:8, Romans 11:32-36)
I believe in Jesus Christ, God’s only Son, who was conceived by the Holy Spirit, and is fully God and fully man. I believe in His virgin birth, sinless life, miracles, and teachings. I believe in His substitutionary atoning death on the cross, bodily resurrection, ascension into Heaven, perpetual intercession for His people, and personal visible return to Earth.
(Isaiah 53; Matthew 1:18-25, 20:28, 28:6; Luke 1:26-38; John 3:16; Romans 3:24-26, 5:1, 9:5, 10:9; 1 Corinthians 1:30-31, 15:3, 15:14; 2 Corinthians 5:21; Ephesians 1:7 Titus 2:13; 1 John 2:2)
The Holy Spirit
I believe in the Holy Spirit who came forth from the Father and Son to convince people of their sin, Christ’s righteousness, the judgment to come, and to regenerate, sanctify, and empower all who believe in Jesus Christ. I believe that the Holy Spirit indwells every believer in Christ, and that He is an abiding helper, teacher, and guide.
(John 16:8-13; 1 Corinthians 6:11; Romans 8:26-27)
I believe that all people are sinners by nature and by choice and are, therefore, under condemnation. I believe that Jesus Christ died on the cross for our sins as a substitutionary sacrifice for us. I believe that those who repent of their sins and trust in Jesus Christ as Savior are saved from condemnation by grace and regenerated by the Holy Spirit.
(Genesis 1:26-27, 3:1-24; Matthew 20:28; John 3:16; Romans 3:1-25, 5:12-18; Ephesians 2:8-9; 1 John 1:8-9)
I believe in the personal and visible return of the Lord Jesus Christ to Earth and the establishment of His kingdom. I believe in the resurrection of the body, the final judgment, the eternal joy of the righteous, and the endless suffering of the wicked.
(Matthew 25:31-46; John 5:28-29, 14:1-3; 1 Corinthians 15:1-58; 2 Corinthians 5:10, Philippians 3:20; 1 Thessalonians 4:16-17, Revelation 11-15, 20:4-6)
Baptism and Communion
I believe that the Lord Jesus Christ has committed two ordinances to the local church: baptism and communion. I believe that Christian baptism is the immersion of a believer in water in the name of the triune God as a public declaration of their faith. I believe that those who take communion, which was initiated by Christ for commemoration of His death, should be believers walking in fellowship with Him.
(Matthew 28:18-20; Acts 2:38-46, 8:36-40, 10:47, 18:8; Romans 6:3-4, 1 Corinthians 11:23-29)
Life of a Believer In Christ
I believe that every human being has direct relations with God, and is responsible to God alone in all matters of faith. I believe that Christians should live for the Glory of God and the well-being of others. Believers should seek to realize for themselves and others full maturity in Christ, who lived a perfect life. Believers should be active and regular members of a church community, whose primary task is sharing the gospel of Jesus Christ with a lost world
(Matthew 28:18-20; John 15:1-13; Romans 3:19-26, 6; 1 Corinthians 12:13; Galatians 3; Ephesians 2:8-9; Hebrews 10:24-25)