Wealth Management Services

Comprehensive Financial Planning

From comprehensive financial asset management services to personalized financial advice catered to your specific needs and goals, Wealth Management Services at Decorah Bank & Trust is here for you and your family. The experienced financial advisors provide knowledgeable, transparent, and personalized financial services and we seek to earn your trust for years to come-

• Comprehensive financial plan
• Retirement planning
• Cash flow & tax planning
• Income & distribution strategies
• Ongoing meetings

Customized Portfolio Design

Financial portfolio management is a complex and dynamic process that requires both strategic investment strategy and expert financial planning. Wealth Management Services at Decorah Bank & Trust is here to help you find a suitable mix of investment options for your unique circumstances and goals. From stocks and bonds to mutual funds and exchange-traded funds, we’re here to find the investments for you and monitor your portfolio to make any necessary adjustments; giving you the confidence that comes with having your portfolio professionally designed, constructed, and monitored. Our customized portfolio approach includes-

• Investment strategies
• Portfolio rebalancing & asset management
• Ongoing investment monitoring
• Investment brokerage services

Insurance Strategies

Our veteran insurance advisors are here to help you find an insurance strategy for your unique needs. No matter what type of insurance you’re looking for, we can help find suitable options for you and your family. As a value-driven investment services provider, we know that unexpected circumstances often result in the need to make adjustments to your insurance. As your situation and need change, we’re always here to offer advice and propose strategies for-

• Life insurance
• Long-term care insurance
• Annuities
• Disability insurance

Estate & Inheritance Planning Strategies

The LPL Financial Advisors can help you and your family with the delicate process of estate planning and inheritance planning. From general discussion to account creation and more, we’re here to help you keep your family secure and build your legacy.

Our Commitment To You

As personal fiduciary financial advisors, we have one goal - the benefit of our clients. We are committed to providing you with financial services and investment advice that is in the best interest of you, the client. Helping you prioritize your financial dreams is the pursuit of our experienced wealth management team.

Investment Review

We like to begin each client relationship with a personal review with a financial advisor. This is designed to identify your long-term goals, as well as strategies and financial advice for working toward those goals. Following your personal review, one of our private investment management professionals can craft a personalized investment portfolio and asset management plan tailored just for you.

Full Disclosure

We believe it is important you know the benefits of, and fees for, working with one of our private wealth management experts. Wealth Management Services operates with full transparency in regard to fees and costs for all of our financial and investment services. From estate planning to portfolio management, and everything in between, our costs are easy to find and simple to understand. We offer a transparent fee structure based on the overall relationship and the services you are receiving.

Personalized Recommendations

Taking your first steps toward planning for a brighter future may begin with us, but there can be more to do to ensure your success. The personal financial planning experts have a number of strategies that can help you set yourself up for a prosperous tomorrow. 

We are always available to work closely with your other professionals and advisors outside of our wealth management firm. An important part of financial planning is working with a trusted CPA, who can be a beneficial tax advisor regarding financial portfolio management. A trusted attorney can work in tandem with your estate planning and insurance advisors to ensure that your estate is well-managed for your beneficiaries. These experts will provide you with the extra knowledge and services to help you aim to reach your personal financial goals. 

We are committed to providing the wealth management strategies that are in your best interest and that often involves working with your other trusted advisors.

Meet Our Financial Advisors

Tracy Dostal, CFP^®, Jason Soland, CFP^® and Chad Mills, CFP^® hold the CERTIFIED FINANCIAL PLANNER™ professional certification that ensures adherence to the strict standards of the CFP^® Board as well as personal commitment to providing competent and ethical financial advice.

Decorah Bank & Trust Company (Financial Institution) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay Decorah Bank & Trust Co. for these referrals. This creates an incentive for Decorah Bank & Trust Co. to make these referrals, resulting in a conflict of interest. Decorah Bank & Trust Co. is not a current client of LPL for advisory services. 

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html or scan the QR code below for more detailed information.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Decorah Bank & Trust Company and Wealth Management Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Wealth Management Services, and may also be employees of Decorah Bank & Trust Company. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Decorah Bank & Trust Company or Wealth Management Services. The Wealth Management Services site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: IA, WI, MN, AK, AR, AZ, CA, CO, DC, FL, ID, IL, LA, MD, ND, NV, TX, UT, and WA. Securities and insurance offered through LPL or its affiliates are:

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER^™, and fully registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Important Consumer Information:

This site is for informational purposes only and is not intended to be a solicitation or offering of any security and:

1. Representatives of a broker-dealer (“BD”) or investment advisor (“IA”) may only conduct business in a state if the representatives and the BD or IA they represent:
   1. satisfy the qualification requirements of, and are approved to do business by, the state; or
   2. are excluded or exempted from the state’s licensure requirements.
2. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve:
   1. effecting, or attempting to effect, transactions in securities; or
   2. rendering personalized investment advice for compensation.
3. Representatives are registered to offer securities in the following states: IA, WI, MN, AK, AR, AZ, CA, CO, DC, FL, ID, IL, LA, MD, ND, NV, TX, UT, WA.

PLEASE NOTE: The links being provided are strictly as a courtesy to our clients. When you link to any of the sites provided here, you are leaving our site. Our company makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving Wealth Management Services webpage and assume total responsibility and risk for your use of the sites to which you are linking.

LPL Financial      Privacy Policy