John Koupal

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: 18 years experience in Employee Benefits management. 



Cecilia M. 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. 8 years as a Wealth Management Advisor.

Connie Pinkston

Trust Compliance Officer/Account Advisor

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. 15 years experience in Employee Benefit Management. 


Shannon Williams

Wealth Management Advisor 

Education: Briar Cliff College, B.A Psychology. Certified as a Qualified 401(k) Administrator by the American Society of Pension Professionals and Actuaries.

Experience: Security National Bank since 2007, 5 years Wealth Management, Investment & Trust Experience.


Theodore K. Boudreau

Wealth Management Advisor 

Education: Graduate, University of Missouri-Kansas City School of Law, LLM; Graduate, University of Cape Town School of Law, LLB; Graduate, Arizona State University, B.A. in Historical Studies.

Experience: 1 year of experience in Business Law before joining the Wealth Management Division in July 2011.



Bianca Mendez

Relationship Manager 

Education: Briar Cliff University, B.A. of Science, Wayne State College, Criminal Justice Major

Experience: Security National Bank since 2012, 2 years in Retail Banking and Wealth Management since 2015.






Ruby Welcher

Employee Benefits Relationship Manager

Education: Graduate, Briar Cliff College, B.A. Accounting. Certified as a Qualified 401(k) Administrator by the American Society of Pension Professionals and Actuaries.

Member: American Society of Pension Professionals & Actuaries.

Experience:13 years experience in Employee Benefits management.




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. CFA charterholders 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 - Accredited 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.