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101 S Phillips Ave, Ste 103
Sioux Falls, SD 57104
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Brad Lupkes, CFP® Financial Advisor
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301 1st Ave
Rock Rapids, IA 51246
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Working in partnership with his clients to create a plan that will help them reach their goals, is what Brad enjoys most about his profession. Brad is responsible for helping people manage their investments and working with his clients to create and maintain a financial plan for their long term goals. He says, “It’s great getting to know my clients on a personal level and building a relationship with them.” Brad has over 20 years of experience in the banking industry, with 10 of those years being at Frontier Bank.
Originally from Rock Rapids, Iowa, Brad earned his degree in business from the University of Sioux Falls, in Sioux Falls, South Dakota. He is a Northwest Iowa Community College Foundation Board Member and involved with Knights of Columbus and Kiwanis. Brad obtained his Certified Financial Planner™ certification in October of 2020.
Brad enjoys reading, golf, BBQ, home projects and attending his kids’ activities. He and his wife Shawna have four children, Will, Clara, Isaac and Peter.
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George Schneidermann, Trust Advisor
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301 1st Ave
Rock Rapids, IA 51246
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George has over 50 years of experience in the banking industry, with 40+ of those at Frontier Bank. George’s long career in banking is a result of working with a great staff and truly enjoying Frontier customers.
George is originally from George, IA. He earned his BS in Ag Business and MS in Economics both from Iowa State University. George serves his community, being actively involved with the Merrill Pioneer Community Hospital, and as a Public Utility Trustee and member of the First Reformed Church of Rock Rapids.
In his free time, George enjoys reading, golf and working at the farm. He is married with three children and six grandchildren.
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Alan Meyer, Chief Wealth Management & Trust Officer
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101 S Phillips Ave, Ste 103
Sioux Falls, SD 57104
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Born and raised in Sioux Falls the son of a former trust officer, I guess it was my destiny to be a part of a successful Wealth Management team. Our growing department of Wealth Management professionals have decades of experience helping families plan, grow, and preserve the financial assets they have built over a lifetime. “We take pride in every relationship and understand that each client’s financial plan is a lifelong commitment. We are extremely thankful to journey with them in achieving their investment goals and implementing strategies to preserve their wealth.” Alan has over six years of experience managing Institutional Trust business.
While wealth management has been Alan’s focus for over six years in the civilian world, Alan also has served for over thirty-seven years in the South Dakota Army National Guard, achieving the rank of Command Sergeant Major. He earned a degree in Organizational Management for Ashford University and will be working to achieve a Certified Trust and Fiduciary Advisor (CTFA) designation.
Alan enjoys running, golf, smoking various foods and seeing his three granddaughters in the various activities they are involved in. Alan and his wife, Julie have three children, Ashley, Katie, and Zachary.
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David Cover, CFP®, AIF®, Chief Wealth Management & Trust Officer
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101 S Phillips Ave, Ste 103
Sioux Falls, SD 57104
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David has been in the wealth management and trust industry for over 30 years. His primary focus is on planning and he enjoys finding innovative ways to connect all the pieces of his clients’ financial lives to help them achieve their goals.
Prior to joining Frontier Bank, he served on the leadership team of a community bank in Pennsylvania as the head of their trust division. He also held director-level positions with two large national banks and was the Chairman and CEO of an independent trust company with offices in Pennsylvania and West Virginia.
He has a BS in Accounting from Penn State University, an MBA from Indiana University of Pennsylvania. and a certificate in financial planning from The American College of Financial Services. David is a Certified Financial Planner™ (CFP®) and he also holds the Accredited Investment Fiduciary (AIF®) designation. He is a graduate of the Cannon Trust School, the Cannon Trust Operations School and the American Bankers Association National Graduate Employee Benefits Trust School.
A lifelong learner, David has been an adjunct faculty member, teaching Corporate Finance and/or Personal Financial Planning at Penn State University, Roger Williams University, Franklin & Marshall College and Elizabethtown College.
David is a member of Christian Business Men’s Connection. He is also a volunteer bugler with Taps for Veterans, a nonprofit organization that provides live buglers to military veterans’ funerals and ceremonies.
David lives in Sioux Falls, with his wife, Marlene.
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Rhonda Groen, Trust Administrative Assistant
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301 1st Ave
Rock Rapids, IA 51246
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Rhonda has been with Frontier Bank for over 35 years and the best part is that she gets to work in many areas of the bank, making each day different. Rhonda earned an Accounting degree from Nettleton College in Sioux Falls, South Dakota.
Rhonda serves her community as a Merrill Pioneer Community Hospital Board Member, and as a member of the Ellsworth Community Club and Zion Presbyterian Church. Rhonda enjoys camping, walking, riding bike, motorcycling and spending time with her family.
Rhonda lives in Ellsworth, MN with her husband. They have three daughters and sons-in-law and six grandchildren.
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Audra Klinkenborg, Senior Trust Operations Specialist
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301 1st Ave
Rock Rapids, IA 51246
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Audra has over 30 years of experience in the banking industry and has been with Frontier Bank for 25+ years. Audra truly enjoys helping customers with their financial needs, as well as coordinating special events and opportunities for the Bank’s Freedom Club members.
Audra enjoys gardening, reading, crocheting, spending time with family and traveling. She is also the Treasurer of the Women’s Ministry and a care elder both at the First Reformed Church of Rock Rapids.
Audra is married to Tom and they have a daughter Brittany and son-in-law Brett.
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Glenda Sundermann, Trust Administrator
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101 S Phillips Ave, Ste 103
Sioux Falls, SD 57104
CONTACT GLENDA
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Bio coming soon!
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Taylor Bonestroo, J.D., Trust Officer
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101 S Phillips Ave, Ste 103
Sioux Falls, SD 57104
Contact Taylor
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Taylor is a graduate of the University of South Dakota School of Law. She attended Southwest Minnesota State University where she received a bachelor's degree in business and played collegiate women's basketball. She is originally from Sioux Falls, South Dakota.
In her free time, Taylor enjoys spending time with her dogs, staying active and being involved in her community.
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How We Invest
We are firm believers that investors who have a plan have a better chance of achieving their goals than those who make their investment decisions based on the events of the day. Here’s what you can expect when you begin developing your plan with one of our advisors.
- Goal Identification: In your first meeting, we will discuss your current situation to identify your starting point and visit about your goals to determine where you want to be in the future. We will have an honest conversation about risk, so we are both on the same page with regards to how much risk you are personally comfortable with.
- Plan Development and Implementation: After our initial meeting, we will take the time to review your current situation and develop a plan that will give you the best probability of reaching your long-term goals. We will discuss your personalized plan and work together to make any adjustments that make you comfortable with your plan.
- Monitoring: Once your plan is in place, you’ll define how you’d like us to communicate with you – phone, email, or in person. You’ll have the ability to view your account anytime through our secure website or receive paper statements. Lastly, your advisor will review your plan with you on an annual basis to ensure your plan remains on track.
How We Earn Your Trust
- We hold ourselves to the fiduciary standard, the highest in the industry. This means we enthusiastically accept the legal responsibility and obligation to serve our client’s best interests and not our own.
- We are a fee-only firm. We don’t charge commissions when you invest your money or impose penalties when you need access to your money. Our one fee is fully disclosed up front and clearly displayed on your statement.
- It’s our responsibility to understand the complexities of your situation and our plans are built with your unique goals in mind. We will continue to review your plan with you to ensure your plan stays on course toward your goals and to ensure you have a clear understanding of what we’re doing with your money.
- We conduct thorough internal due diligence on all our investment models.
- We are happy to coordinate with other advisors and professionals you work with, including estate attorneys and CPA’s.
Typical Questions We Address
- Am I saving enough for retirement?
- Will my money last through retirement?
- How do I save for my child’s college expenses?
- Do I have the right types of insurance?
- Can I afford a second home?
- Are my wills and estate plans properly set up?
- What should I be doing in my company's 401k?
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
