Refined Wealth Solutions

Refined Wealth Solutions Financial planning, investment management, tax and estate planning strategies. Securities offered through Cambridge Investment Research, Inc. Member FINRA/SIPC.

Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Refined Wealth Solutions are not affiliated. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of
information provided at these websites

Welcome to the new & improved Refined Wealth SolutionsWith exciting changes underway in 2026, we felt it was the perfect...
03/23/2026

Welcome to the new & improved Refined Wealth Solutions

With exciting changes underway in 2026, we felt it was the perfect time to reintroduce who we are and what we stand for.

Refined Wealth Solutions is a financial firm based in the Des Moines metro, proudly serving clients across Iowa and beyond. We specialize in personalized financial planning designed to align with your unique goals, values, and stage of life.

At our core, we believe your financial strategy should be just as intentional as the life you’re building. That’s why we take a client-first approach—offering thoughtful guidance in areas like investment planning, tax strategies, retirement, and wealth transfer.

We’re here to simplify the complex, build lasting relationships, and help you move forward with confidence.

2025 was a truly meaningful year for Refined Wealth Solutions.
I still wake up some mornings with overwhelming gratitude...
12/31/2025

2025 was a truly meaningful year for Refined Wealth Solutions.
I still wake up some mornings with overwhelming gratitude that God has allowed me to be a business owner and entrusted me with this work.
RWS would not be what it is without the incredible clients I have the privilege of serving. There truly aren’t words to fully express how thankful I am for each of you and the trust you place in me.
I’m looking ahead to 2026 with excitement and faith — ready to grow in ways only God knows.
From the bottom of my heart, thank you.

Quality over quantity.I was having dinner with some friends recently and we were talking about how friendships change a...
12/12/2025

Quality over quantity.

I was having dinner with some friends recently and we were talking about how friendships change as you get older. You truly want to spend your time around people you genuinely want to be around.

She told me, ‘You’ll understand when you get a little older… you truly find out who your people are.’
She’s only a few years older than me (I’m 35 😅) — but she’s right.

The older I get, the more I realize this applies to everything — friendships, partnerships, and business relationships.
I truly want to work with people who value trust, communication, and long-term growth than chase volume for the sake of it.
The right relationships make all the difference.

Honored to celebrate two incredible clients at their retirement party tonight. Moments like these are why I love what I ...
12/06/2025

Honored to celebrate two incredible clients at their retirement party tonight. Moments like these are why I love what I do—walking through life’s biggest milestones with people who feel more like friends.
Cheers to the next chapter, new opportunities, and well-earned rest! 🥂

This season reminds me how blessed I am to do what I do.To my clients—thank you for trusting me, for inviting me into yo...
11/27/2025

This season reminds me how blessed I am to do what I do.
To my clients—thank you for trusting me, for inviting me into your lives, and for allowing me to help build the future you’re working toward. Many of you have become friends, and that’s something I’ll never take for granted.
Wishing you and your families a very Happy Thanksgiving! 🦃✨

Baby Boomers Are Heading Into Retirement… But Their Businesses Aren’t ReadyHere’s a stat that shocked me:Nearly 80% of b...
11/24/2025

Baby Boomers Are Heading Into Retirement… But Their Businesses Aren’t Ready

Here’s a stat that shocked me:
Nearly 80% of business owners don’t have a written succession or exit plan… and over half haven’t planned at all.

Yet baby boomers still own the majority of America’s small businesses — the backbone of local jobs, families, and communities.

So what happens when owners intend to exit… but haven’t prepared for it?

➡️ Families are left scrambling
➡️ Employees lose stability
➡️ Businesses lose value
➡️ Transitions happen under stress instead of strategy

The biggest myth?
That business owners will “get to it when things calm down.”
Spoiler: that moment rarely comes.

Running a business is consuming. It’s personal. And stepping away brings up big questions about identity, legacy, and what comes next. Add in uncertainty around whether to sell, transfer to family, or create a buyout strategy, and it’s easy to see why planning gets pushed off.

But the risk of not planning is far greater.

**Every business will eventually change hands. The real question is:

Will it still have value when it does?**

Transferable value depends on:
• Solid financials
• Documented processes
• Strong governance
• A business that can run without the owner

And that’s where advisors need to lead — not wait.

At Refined Wealth Solutions, we help owners:
✔️ Build a transition strategy that protects their family
✔️ Strengthen their systems and business value
✔️ Assemble the right team (CPAs, attorneys, bankers, etc.)
✔️ Align financial goals with the legacy they want to leave
✔️ Prepare for both unexpected events and voluntary exits

Succession planning isn’t about stepping away tomorrow.
It’s about creating options, reducing risk, and ensuring that a lifetime of work continues to thrive.

Baby boomers are hitting retirement at record speed. The planning gap is only growing.

If you’re a business owner, the best time to start this conversation was yesterday.
The next best time is today. Reach out if you are a business owner and find yourself asking these questions.

Stepping out to finally create something I’d been talking about for years has been one of the most rewarding risks I’ve ...
11/07/2025

Stepping out to finally create something I’d been talking about for years has been one of the most rewarding risks I’ve taken. What started as a small networking group with four people has now grown to ten — and this week, we took another step forward.

Hosting our first Mix & Mingle Networking Mixer in the heart of Altoona at Brick & Ivy reminded me exactly why community matters. Over 40 people attended and are excited for the next event! Bringing more professionals together to connect, build relationships, and support each other’s growth is everything I hoped this would become.

A huge thank you to everyone who attended — your energy, conversations, and willingness to show up made the night. A special thank you to my co-hosts and the rest of our networking group for believing in this vision and helping bring it to life. Thank you to Brick & Ivy for hosting and for your staff, they were amazing and a huge help to making the event go smoothly.

This is just the beginning.
Here’s to creating spaces where businesses grow, relationships deepen, and people feel genuinely connected in our community!

Your tax bracket isn’t as simple as it seems - but that’s why we have a full service tax team to help our clients plan s...
10/27/2025

Your tax bracket isn’t as simple as it seems - but that’s why we have a full service tax team to help our clients plan smarter!

Contact us today if you are ready for the next step:
[email protected]
515-867-3641

**Why Do I Need a Financial Plan?**By your 40s and 50s, you’ve likely built a career, raised a family, and saved some mo...
08/19/2025

**Why Do I Need a Financial Plan?**

By your 40s and 50s, you’ve likely built a career, raised a family, and saved some money. So why plan now?

A financial plan helps you:

* **Balance competing priorities** — mortgage, college, retirement, and caring for parents.

* **Prepare for retirement** — identify gaps and adjust savings, investments, and taxes.

* **Handle life’s surprises** — job loss, illness, or inheritance.

* **Make clear decisions** — like paying off debt, helping kids, or retiring early.

* **Align money with life goals** — travel, generosity, legacy, or passion projects.

Bottom line: A plan turns decades of hard work into peace of mind and freedom to live with clarity and purpose.

🎉 GIVEAWAY TIME! 🎟️The fair is one of our offices favorite time of the year so ....We’re celebrating the Iowa State Fair...
08/01/2025

🎉 GIVEAWAY TIME! 🎟️
The fair is one of our offices favorite time of the year so ....
We’re celebrating the Iowa State Fair with a special giveaway! 🌽🎡
Win 4 admission tickets & a value pack!

👉 To enter:
1️⃣ Like this post 👍
2️⃣ Tag a friend you’d bring to the Fair & tell us your favorite thing to eat/do! 👯‍♀️🍗
3️⃣ Follow our page ✅
4️⃣ Share this post 🔁

We will pick one lucky winner! Winner
will be announced Tuesday August 5.

Good luck, and see you at the Fair! 🎶🍦🐄

o

Next up in our 7 day series of the bricks in business is day 5:Day 5 – Listen First, Advise Second👂: Listening is a Supe...
08/01/2025

Next up in our 7 day series of the bricks in business is day 5:

Day 5 – Listen First, Advise Second

👂: Listening is a Superpower

You can’t create a plan that fits someone’s life without understanding their story. I believe deep listening is one of the most valuable (and rare) skills in business—and it’s where all good planning starts.

Address

Altoona, IA
50009

Telephone

+15158673641

Website

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