Helping People Accumulate, Preserve, and Transfer Wealth

Your Future Just Got Brighter

Whether you’re looking for fresh financial ideas for yourself or your family, we can help pave the path to financial solutions that make sense for your lifestyle. If you are ready to help make your financial life easier, it’s time to call or visit with us.

Put our financial representatives to work for you and you will be able to invest with greater confidence.

Investment services include:

  • Financial Advice
  • Portfolio Reviews
  • Investment Advice & Management
  • Preparing for Retirement
  • Estate & Inheritance Planning
  • Traditional & Roth IRAs
  • Long Term Care Planning
Picture of Roger Huinker, Tracy Dostal, Justin Gullekson, Rich Reiser

(pictured l-r): Roger Huinker, Tracy Dostal, Justin Gullekson, Rich Reiser


Our Commitment to You

Our client’s interests come first. By serving you well, we will also succeed.

  • Investment Review

    We like to begin each client relationship with a personal review designed to identify long-term goals, as well as strategies for reaching those goals.

  • Full Disclosure

    We believe it is important to inform you of the costs and benefits of working with a professional investment representative at Wealth Management Services.

  • Helpful Recommendations

    We seek to make financial recommendations that are consistent with your financial circumstances, risk tolerance, and are on track with your long-term goals.

Learn more about our representatives:

Tracy Dostal, CFP®, Justin Gullekson, CFP®, and Rich Reiser, 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 provide competent and ethical advice.
Tracy Dostal, CFP®

Tracy Dostal, CFP®


With more than 30 years of financial service and experience, Tracy brings extensive knowledge of investment and insurance products to her clients in personal and business accumulation, preservation and transfer of wealth.

Read More 

Experience & Education

  • FINRA Registrations 7, 63, 6, 66
  • Life and Health Insurance Licenses in IA, ID, MN, WI
  • Iowa School of Banking
  • American College – 2006

Professional Associations

  • National Association of Insurance & Financial Advisors
  • Million Dollar Round Table

Community & Family

  • Women, Faith & Finance – Advisory Board
  • Aase Haugen Homes Foundation – Board of Directors
  • Winneshiek Saddle Club
  • Married to Wayne Dostal, two sons, Tyler & Cody

Justin Gullekson, CFP®

Justin Gullekson, CFP®


Justin has an enthusiastic commitment to helping you plan for the future while living in the present. He will design a strategy to meet your needs and will work with you as your needs evolve to better accumulate, preserve and transfer your wealth.

Read More 

Experience & Education

  • FINRA Registrations 7, 63, 65
  • Life and Health Insurance Licenses in IA, AZ, MN, ND, WI
  • Cannon Trust School
  • Visiting Assistant Professor, Luther College, Department of Economics & Business – 2008
  • University of Dallas, MTS – 1996
  • University of North Dakota, BA – 1990

Professional Associations

  • National Association of Insurance & Financial Advisors
  • Million Dollar Round Table
  • Winneshiek Medical Center Foundation – Planned Giving Committee

Community & Family

  • American Cancer Society – “Relay for Life”
  • Decorah Area Chamber of Commerce
  • Winneshiek Medical Center Foundation
  • Vesterheim Norwegian American Museum
  • Married to Jeanne Gullekson, five children

Rich Reiser, CFP®

Rich Reiser, CFP®


Rich makes it his priority to know the investment and insurance industry so he can better educate and serve you.

Read More 

Experience & Education

  • FINRA Registrations 7, 63, 66
  • Life, Health, Accident and Variable Annuity Licenses in IA, LA, MN, TX, WI
  • LUTCF – Life Underwriting Training Council Fellow
  • Winona State University, BS – 1991

Professional Associations

  • National Association of Insurance & Financial Advisors

Community & Family

  • Nordic Fest – Board of Directors
  • Married to Erica Reiser, three children, Brayden, Chloe, & Danika

Security reminder: Emails are non-secure and intended for general questions and requests for additional information. Please do not include any of your personal banking information (i.e., social security number, account numbers, PIN or passwords, etc.), as information sent to us from this page is not encrypted.

Call 563.382.9661 to schedule your appointment.

Investment Centers of America, Inc. (ICA), member FINRA , SIPC , a Registered Investment Advisor, is not affiliated with Wealth Management Services and/or Decorah Bank & Trust Company. Securities, advisory services and insurance products offered through Investment Centers of America, Inc. and affiliated insurance agencies are:

  • Not a Deposit
  • Not FDIC Insured
  • Not insured by a federal government agency
  • Not guaranteed by the bank
  • May go down in value
  • Subject to risks including the possible loss of principal amount invested

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, AZ, CA, FL, ID, ND, 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.

Investment Centers of America, Inc. Privacy Policy