Nearly two decades ago, I set out to prove something: that financial planning could actually make sense to real people. I'm still proving it every day. I've spent my career in the trenches of the financial world — advising pre-retirees and retirees, reporting into an S&P 500 company, and serving as Vice President of a $4 billion independent marketing organization. Along the way, I've trained and mentored hundreds of advisors and helped organizations scale from the ground up. But the work I'm proudest of has always happened one-on-one, across the table from clients who just wanted someone to tell them the truth about their money. Here's what all those years taught me: most people don't need another product. They need clarity. Confidence. A plan built for real life, not a sales pitch. That's exactly what I bring to individuals and families across Ankeny, Des Moines, and Central Iowa — retirement strategies that are as exciting as they are secure. I'm not a salesperson. I'm an educator. I cut through the jargon, show you exactly how the pieces fit together, and coach you until the plan feels like second nature. Nothing beats the moment a client's eyes light up because it finally clicks — and they realize their future just got brighter. Long before spreadsheets and financial plans, I was a walk-on college athlete who earned my scholarship the hard way — through grit, not guarantees. That mentality never left me: set the goal, put in the work, deliver the result. Outside the office, life is full and loud in the best way — chasing my three kiddos, Jase, Logan, and Zeke, stealing quiet moments with my wife Mackenzie, spinning vinyl, catching a live show, cheering on a game, and Sunday mornings at church with the whole crew. If you're ready for straight talk, real strategy, and a planner who's genuinely in your corner, let's talk. Or better yet — come to one of my events. You'll walk out with more clarity than you walked in with... and maybe a few new songs for your playlist.

Susan specializes in helping women pursue strategies for lifelong income. She listens. She can help you develop a vision for your financial future. Her specialization is addressing the need for a paycheck designed to last throughout retirement and managing risk so you can have confidence in your financial plan. As a financial professional, Susan seeks to show you how strategically integrating investments, income annuities, and life insurance may develop more efficient retirement income strategies. These strategies aim to support a higher income level and could help reduce risk more than investment-only strategies. Just as you would use a recipe to cook your favorite dish, it’s appropriate to use a “recipe” to combine products to help increase your income! So whether you’re looking for tailored ways to build your assets while limiting potential downside risk, help reduce taxes, take care of those you love, enhance charitable gifts, or lessen the impact of sickness, Susan will be your dedicated guide.Contact Susan Win-A-Key to UNLOCK your retirement income!

Phil Couture began his financial career in 1971 and started financial planning in 1980, but the market’s collapse in 1987 made him realize that his clients’ needs went beyond a financial plan. Even more important was helping them build financial security through proper management of their assets. “From the start, I realized that good asset management needed an approach that helped minimize risk without being too conservative. After all, my clients still need to grow their portfolios. Over the years, our investment approach has been refined and improved through knowledge gained from thousands of hours of seminars and workshops, and through developing relationships with top market analysts." “In today’s uncertain market, we get calls every week from clients who can’t thank us enough for the success of their portfolios.” - Phil Couture Phil Couture and his team are dedicated to ensuring that the investment advice offered clients is both competent and free of conflicts of interest, and to serving clients with the highest level of integrity and professionalism. He believes in helping clients understand their choices through an objective overview of their alternatives to enable them to make sound decisions regarding the management of their assets. He has served continuously in financial planning organizations since the early 1990s, including until 2019 as Treasurer for the Board of Directors of the Financial Planning Association (FPA) of the Suncoast (Sarasota-Manatee FPA). As Vice President of the Board of Directors of the Sarasota Chapter of the International Association of Financial Planners, Phil was responsible for the organization’s continuing education provided for local planners. In addition to extensive professional studies, Phil holds a Bachelor of Science degree in Finance and has created and taught adult education classes, seminars and workshops. He served on the Financial Planning Advisory Board at Chapman College in Orange, California and has received numerous industry recognitions. He has been a Certified Financial Planner™ since 1986 and was one of the earliest financial professionals to receive the designation. More recently, Phil became a National Social Security Advisor Certificate Holder. NSSA® is the only ACCREDITED Social Security Certificate program in the nation!

Elisabeth has been a financial advisor for over 28 years. She is a money coach, author, educator, financial coach, wife, mother, and best friend to many. She is the founder of COPIA Wealth Management & Insurance Services and COPIA Wealth Management Advisors Inc., organizations that provide comprehensive financial advising with education to help her clients achieve their desired wealth goals. Her investment philosophy has held the focus on protecting the family first, including foundational estate planning and accumulation to reach financial goals in retirement. She is an expert in lifetime income planning, creating tax-saving strategies for business owners which keep the money on the business’s balance sheet and so much more.

Combining her passion for organization and helping people, Vicki joined the BFS Team in 2024 as the Director of Operations and Business Coach. She is a Licensed Associate as well. With focused and dedicated guidance, Vicki truly enjoys helping people recognize their inner strengths, using them to cultivate and lay hold of their personal visions and dreams. She loves her family, good cups of coffee, and times of solace with the Lord.

Planning for retirement can often feel like standing at the base of a mountain. You’ve done the hard work of building, saving, and preparing—now the focus shifts to creating a thoughtful strategy that helps you move forward with clarity and confidence. At Horizon Strategic Insurance Solutions, I’m Michael Jenkins, and with 19 years of professional experience, I serve as a seasoned guide for individuals and families navigating retirement, estate planning, and wealth protection. My background includes 16 years with Farmers Insurance, where I specialized in comprehensive risk management and insurance solutions, alongside 3 years in commercial real estate sales, giving me unique insight into high-value property and wealth assets. My mission is to help replace financial uncertainty with retirement clarity, building personalized financial roadmaps that align with your goals, protect what you’ve built, and adapt as life evolves. I believe successful planning starts with understanding that retirement is never one-size-fits-all. Whether you are approaching the transition, already enjoying retirement, or focused on preserving wealth for the next generation, I create strategies that integrate reliable income planning, insurance protection, and legacy-focused estate solutions. What defines my approach is true partnership. I work closely with my clients through every season of life, making strategic adjustments as priorities change and helping ensure each decision continues to support the bigger picture. My goal is simple: I handle the financial complexities and build durable strategies so you can focus on what actually matters—your family, your future, and enjoying the fruits of your labor. If you’re ready to move forward with a clear, personalized strategy, I’d love to connect.

Eric Jordan has been in the financial services industry for the last 37 years. He began his career in 1989 with LPL Financial Services as a Mutual Funds Coordinator and after a year in that position was requested to work on the trade floor. Over the next 6 years, servicing more than 8,000 investment professionals, he was selected twice by the firm’s top producers as the number one employee. Upon their urging, Eric decided that he could do more good servicing clients and their families directly. In 1996 Eric decided to branch out and become an independent advisor and remained with the company for an additional 5 years. After a brief stop at another firm, he eventually settled with Gold Coast Securities, where he has remained for the last 23 years. Integrated Investment Concepts is a comprehensive financial services firm committed to helping our clients improve their long-term financial success. Our customized programs are designed to grow, protect, and conserve our clients’ wealth by delivering an unprecedented level of personalized service and expertise. For the past 30 years, we have been teaching our clients how to protect their retirement assets from market losses and taxation, providing them with the opportunity to continue to build wealth in a safe and efficient manner. Whether your goal is freeing up assets for retirement, maximizing your life insurance benefits, or perfecting your estate strategy, our team of experts will provide you with the knowledge and advice to feel confident in you and your family’s financial future. Eric currently holds several securities licenses, to include Series 7, 24, 63, 66, Life & Health. Integrated Investment Concepts is an “Accredited Business” with the BBB. Away from the office, Eric enjoys playing golf, hiking, camping or “Glamping”, boating, time on the range, serving in his church and spending time with his family. He resides in Inland Empire with his wife, Deidre, and their two labs Kona, and Lani, two Boston’s, Mako and Nalu, plus one cute Shepherd/Belgian Malinois puppy named Freya, and their latest adoption, a Shepherd/Husky named Juno.