Helping People Create Plans Aiming to Accumulate, Preserve, and Transfer Wealth




Whether you’re looking for fresh financial ideas for yourself or your family, we can help pave the path to financial strategies 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.

You’ll have access to:

  • Financial Advice
  • Portfolio Reviews
  • Investment Advice & Management
  • Preparing for Retirement
  • Estate & Inheritance Planning
  • Traditional & Roth IRAs
  • Long Term Care Planning

WMS Team


Our Commitment to You

Our client’s interests come first. By serving you well, we aim to 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 working toward 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.

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Download our Wealth Management brochure [pdf | 3.6 MB]

Learn more about our representatives:

Tracy Dostal, CFP® and Justin Gullekson, 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®

 tracy.dostal(at) 563.387.5218

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.

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Experience & Education

  • FINRA Series 7, 63, 6, and 66 registrations held through LPL Financial
  • Life, Health, and Annuity Insurance Licenses in IA, MN, WI, AK, CO, ID, IL, MD
  • Iowa School of Banking
  • American College – 2006

Professional Associations

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

Community & Family

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

Justin Gullekson, CFP®

Justin Gullekson, CFP®

 Justin.Gullekson(at) 563.387.5239

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

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Experience & Education

  • FINRA Series 7, 63, and 65 registrations held through LPL Financial
  • Life, Health, and Annuity Insurance Licenses in IA, MN, WI, AZ, ND, NV, UT
  • Cannon School for Trusts & Estates
  • 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
  • Iowa Trust Association

Community & Family

  • Decorah Area Chamber of Commerce
  • American Cancer Society – Winneshiek County “Relay for Life”, 2004 – 2015
  • Winneshiek Medical Center Foundation – Board of Directors, 2004 – 2013; President, 2011 – 2013
  • Vesterheim Norwegian American Museum – Board of Directors, 2005 – 2009
  • Married to Jeanne Gullekson, five children

Julie Luzum, Financial Consultant

Julie Luzum, Financial Consultant

 julie.luzum(at) 563.387.5232

Julie especially enjoys helping those that are new to investing and those who want help understanding basic investing.

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Experience & Education

  • FINRA Series 6 and 63 registrations held through LPL Financial
  • Insurance Licenses in Iowa
    Life, Health, and Annuity
  • University of Northern Iowa, BA – 2001

Community & Family

  • United Way of Winneshiek County, past board member
  • Decorah Community Schools PTO, Treasurer
  • Decorah Area Chamber of Commerce
  • Nordic Dancers – parent volunteer
  • Married to Jeff Luzum, two sons, Easton and Gavin

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.

Decorah Bank & Trust Company and Wealth Management Services are not registered broker/dealers and are not affiliated with LPL Financial. Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA , SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
The investment products sold through LPL Financial are not insured Decorah Bank & Trust Company deposits and are not FDIC insured. These products are not obligations of Decorah Bank & Trust Company or Cresco Bank & Trust Company, a division of Decorah Bank & Trust Company, and are not endorsed, recommended or guaranteed by Decorah Bank & Trust Company or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.



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, AR, AZ, CA, CO, DC, FL, ID, IL, LA, MD, ND, NV, 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.

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