Joel Twedt, ChFC, CLTC, LUTCF serves as a Personal Financial Management Consultant at intellicents. Unlike most advisory firms who just want to work with the wealthiest 1% of Americans, intellicents mission is to also help the 99% make their dreams real. intellicents is a national independent financial advisory firm centered on the employee benefit relationship, specializing in four core services retirement plan services at both the plan and participant level, personal financial management, financial wellness education and advice to employers and individuals, and group insuranceall supported by people smarts and great technology. Joel's dream job at intellicents consists of helping others fulfill their own individual dreams through retirement planning, estate planning, and succession planning. He founded Twedt Financial Services, Inc. in 1980 which grew to have over $110 million in assets under management and merged with intellicents in December 2019 to become the official intellicents Lake Mills, Iowa office. In September 1984, Joel received his LUTCF designation from the National Association of Life Underwriters, and in October 1993 he received his Chartered Financial Consultant designation from The American College, Bryn Maw, Pennsylvania. He is a member of the Million Dollar Round Table, (MDRT), American Society of Financial Professionals, and also a member of the National Association of Insurance and Financial Advisors. Joel graduated from Iowa State University where he received a Bachelor of Science Degree with a Double Major in Economics and Industrial Administration and holds the following designations and previously passed securities exams: -Chartered Financial Consultant (ChFC) -Life Underwriter Training Council Fellow (LUTCF) -Certification for Long-Term Care (CLTC) -Series 6 - Investment Company and Variable Contracts Products Rep. -Series 7 General Securities Representative -Series 63 Blue Sky Securities Law -Life and Accident/Health Insurance Joel keeps it real by spending time with his wife Carol his two grown children, Lesley and Matthew and now his grand children. Outside of the office, he enjoys hunting, fishing, hiking, and most outdoor activities. Investment Advisory Services are offered through intellicents investment solutions, inc., an SEC registered investment adviser. 