Welcome to Security National Wealth Management

The Wealth Management employees average 12 years experience, and are comprised of attorneys, MBAs, QKAs, a CFA® Charterholder, AEPs, RPP®, CTFAs, and CFPs®.

	Joe Twidwell Senior Vice President and Trust Officer Education: Creighton University School of Law, J.D. Creighton University, B.A. in Political Science. Experience: 28 years in Trust Administration, Estate Planning, Employee Benefit design and administration; 3 years as a partner in general practice law firms; 3 years as attorney for U.S. Government.
	Cecilia Carlson Wealth Management Advisor Education: Attended Western Iowa Tech, related banking industry courses.Certified as a Qualified 401(k) Administrator (QKA) through the American Society of Pension Professionals & Actuaries. Experience: 15 years investment experience in operations, sales and customer service; plus a combined 15 years in banking, legal and accounting backgrounds prior to joining the Wealth Management Division. 5 years as a Wealth Management Advisor.
	Louise Deitloff Wealth Management Advisor Education: Graduate, Cannon Financial Institute Trust School, Certified Trust and Financial Advisor Member: Siouxland Estate Planning Council, Inc.; Iowa Insurance Division Life Insurance License. Experience: 22 years of Retail Banking experience; including 9 years as a branch manager before joining the Wealth Management Division. 5 years as a Wealth Management Advisor.
	Dan DeMarest Vice-President/ Business Development Education: Graduate, Morningside College, B.S. in Business Administration & Industrial Psychology; Graduate, Iowa School of Banking; Certified Financial Planner®; Chartered Retirement Planning Counselor®. Experience: Over 26 years experience with Security National Bank.
	Roxanne Flammang Wealth Management Advisor Education: Graduate, Certified Trust & Financial Advisor. Attended Buena Vista University. Member: Siouxland Estate Planning Council, Inc. and Iowa Insurance Division Life & Health licenses. Experience: 7 years investment experience in brokerage operations, sales and customer service; plus 15 years administrative support in the business community prior to joining the Wealth Management Division. In her 5th year as a Wealth Management Advisor.
	Tammi Gagnon Wealth Management Advisor Education: J.D., University of South Dakota School of Law; B.S. Morningside College; Majors in Accounting and Computer Science, Minor in Business Administration; Graduate of National Trust School. Certified Trust and Financial Advisor. Member: Iowa, Nebraska and South Dakota Bar Associations; Siouxland Estate Planning Council, Inc. Experience: 2 years of private law practice in Yankton, South Dakota. 10 years as a Wealth Management Advisor.
	Cari Gehling Personal Trust Relationship Manager Education: Graduate, University of Iowa, B.S. in Business Administration with an Emphasis in Finance, Registered Para Planner®. Member: Siouxland Estate Planning Council, Inc. Experience: 11/2 years in insurance underwriting and 5 years in information technology sales, sales management, service and contracts before joining the Wealth Management Division.
	Marilyn Hagberg Vice-President and Trust Officer Education: J.D., University of South Dakota School of Law, M.A. Russian History, Ohio State University; B.A. Morningside College; Graduate, National Trust School & National Graduate Trust School. Member: Siouxland Estate Planning Council, Iowa State Bar Association, Nebraska State Bar Association, The State Bar of South Dakota.Experience: 1 1/2 years in Retail Banking prior to joining the Wealth Management Division; 20 years in Estate, Tax and Trust and Pension Services.
	Michelle Holmes Fixed Income Officer Education: Graduate, Morningside College, B.S. Accounting, Business Administration, and Economics. Chartered Financial Analyst (CFA®) Charterholder. Member: CFA Institute, CFA Society of Nebraska Experience: 1 year private accounting/auditing experience before joining the Wealth Management Division. 10 years portfolio management.
	Keith Huls Business Development Education: Graduate, Briar Cliff College, B.A., Business Administration: Chartered Retirement Planning Counselor (CRPC). Experience: Over 15 years experience in operations, customer service, sales and sales management.
	Dena Johnston Wealth Management Advisor Education: Graduate, Iowa State University, B.S. in Finance. Graduate, Certified Trust & Financial Advisor. Member: Siouxland Estate Planning Council, Inc. Experience: 18 years of experience in Retail, Mortgage, Investment & Executive areas before joining the Wealth Management Division. 4 years as a Wealth Management Advisor.
	Linda King Wealth Management Advisor Education: Graduate, Briar Cliff College, B.S. Biology. Graduate, National Trust School, Certified Trust and Financial Advisor. Member: Siouxland Estate Planning Council, Inc. Experience: 35 years of banking experience including Accounting and Marketing. 12 years as a Wealth Management Advisor.
	John Koupal Assistant Vice President, Employee Benefits Education: Graduate, Dakota State University, B.A. in Business Administration with an emphasis in Accounting and Finance. Certified as a Qualified 401(k) Administrator by the American Society of Pension Professionals and Actuaries. Member: American Society of Pension Professionals & Actuaries. Experience: 12 years experience in Employee Benefits management.
	Richard Kunz Vice President and Trust Officer Education: Graduate, Moorhead State University; B.S. in Business Administration; Graduate, National Graduate Trust School; Certified Financial Planner®; Certified Trust & Financial Advisor, and an Accredited Estate Planner®. Member: Siouxland Estate Planning Council, Inc. Experience: 3 years in the Investment Department before joining the Wealth Management Division; 17 years in Trust Account Management.
	Tom Limoges Securities Analyst Education: Graduate Morningside College, B.S. in Business Administration with an Emphasis in Finance and Human Resource Management and a Minor in Accounting. Experience: 6 years of investment management experience.
	Alex Pick Relationship Manager Education: Graduate, Briar Cliff University, B.A. in Human Resource Management and a Minor in Business Administration. Experience: 4 years managerial experience and 1 year in customer service before joining the Wealth Management Department of Security National Bank.
	Gary Popkes Wealth Management Advisor Education: Augustana College, B.A. Business Administration: Certified Financial Planner (CFP®) Experience: Over 16 years experience in the Financial Services industry including: Personal Trust Administration, Investment Management & Retirement Planning. Member: Sioux Falls Estate Planning Council
	Mike Moreland Vice President Investment Services Education: University of Iowa, B.B.A. in Labor Relations; National & Graduate Schools of Bank Investments, M.B.A., University of South Dakota Member: Chartered Financial Analyst Institute; Omaha-Lincoln Society of Financial Analysts. Experience: 25 years of bank and Trust portfolio management.
	Connie Pinkston Compliance Officer/Account Manager Education: Attended Western Iowa Tech, Accounting Specialist.The American Society of Pension Professionals & Actuaries (ASPPA) Member: American Society of Pension Professionals. Experience: 7 years of experience in the Commercial Services area before joining the Wealth Management Division as Wealth Management Advisor. 10 years experience in Employee Benefit Management.
	Cindy Schubert Vice President of Operations Education: Graduate, Southwest State University, B.S. in Business Administration with a Finance Concentration and Minor in Accounting. Experience: 13 years as Mortgage Operations Supervisor and 2 years as Commercial Services Manager before joining Wealth Management Division as Operations Officer.
	Pam Siders Tax Administrator Education: B.S. in Business Administration, University of South Dakota, major in accounting. Graduate, National Trust Tax School Experience: 2 1/2 years as a Medicare Auditor for Wellmark Blue Cross, 3 1/2 years general accounting, 7 years individual tax preparation H&R Block, 4 years experience in Trust tax administration.
	Gina Sitzmann Vice President and Trust Officer Education: Graduate, Briar Cliff College, B.A. Psychology. Graduate National Trust School, Certified Trust & Financial Advisor, and an Accredited Estate Planner®. Member: Siouxland Estate Planning Council, Inc., Planned Giving Council of Siouxland, State of IA Leave a Legacy, National Association of Planned Giving, National Association of Estate Planners and Council. Experience: 2 years in Personnel, 2 years in Auditing before joining the Wealth Management Division; 18 years in Estate, Tax, Pension & Trust Account Management.
	Eric Smith Relationship Manager Education: Graduate, The University of Iowa, B.S. in Industrial Engineering; Currently enrolled in Briar Cliff University’s Continuing Education Program, pursuing B.A. in Accounting. Certified as a Qualified 401(k) Administrator (QKA) through the American Society of Pension Professionals & Actuaries. Member: BCU Accounting and Finance Club. Experience: 5 years experience in financial service industries, including 2 years with Security National Wealth Management Division.
	Jami Wermers Wealth Management Advisor Education: University of Iowa, B.A. in Home Economics with business emphasis. Iowa Insurance Division Life Insurance License. Graduate, National Trust School, Certified Trust & Financial Advisor. Member: Siouxland Estate Planning Council, Inc. Experience: 13 years of experience in the Retail Banking Division before joining the Wealth Management Division. 6 years of experience as a Wealth Management Advisor.
	Steven Witten Vice President Investment Management Education: M.B.A., Texas Christian University’s M.J. Neeley School of Business, B.S. Economics, Tarleton State University. Experience: 4 years as a financial advisor, 7 years investment management experience, 6 of which have been with Security National Wealth Management Division.

Designations

CFA® - Chartered Financial Analyst
The CFA designation is offered by the CFA Institute (formerly the Association for Investment Management and Research). To obtain the CFA charter, individuals must demonstrate competency in economics, accounting, security analysis, and money management. Candidates are required to successfully complete three difficult exams over three years, gain at least three years of qualifying work experience, and meet standards of professional and ethical conduct. CFAs most often have an extensive background in economics and investments and are competent at a high level of analysis.

CFP® - Certified Financial Planner®
Individuals with the CFP® designation have passed a demanding exam which covers all facets of financial planning, including investments, individual and estate taxes, insurance, retirement planning and estate planning. A CFP must have completed college and three years of financial industry experience. CFPs agree to abide by a strict code of conduct and ethics.

CTFA - Certified Trust and Financial Advisor
The Certified Trust and Financial Advisor (CTFA) certification is the professional credential for financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts.

JD - Juris Doctor
The JD degree is professional degree granted by law schools for completing a three year course of post-undergraduate study of the law. Generally, completion of a JD must be followed by passing the bar exam in one or more jurisdictions in order to be permitted to practice law. Attorneys often have extensive training in fields of tax and estate planning.

MBA - Master of Business Administration
The Master of Business Administration (MBA) is a master's degree in business administration.

QKA Qualified 401(k) Administrator
The QKA credential is conferred by the American Society of Pension Professional & Actuaries to retirement plan professionals who work primarily with 401(k) plans. QKA’s have successfully completed a series of exams and have a minimum of two years related industry experience.

AEP - Acredited Estate Planner
The AEP designation is awarded by the National Association of Estate Planners & Councils (NAEPC) to professionals who meet stringent experience and education qualifications, including two graduate level courses administered by The American College. Must be an attorney, CLU, CPA, CTFA, ChFC or CFP.