Tyler Stoltze at Mutual of Omaha Advisors

Tyler Stoltze at Mutual of Omaha Advisors Financial Advisor & Insurance Specialist | Guiding Individuals & Businesses to Financial Security

As a financial professional, I bring a unique blend of education, experience, and passion to help individuals navigate their financial journeys with confidence. A graduate of Sergeant Bluff-Luton High School, I continued my education at Buena Vista University in Storm Lake, Iowa, where I earned a degree in Finance and Marketing while competing on the baseball field. After graduation, my wife and I

spent several years in central Iowa before returning to our hometown of Sergeant Bluff, where we're proud to serve the community that shaped us. I began my career with Mutual of Omaha in 2021 and have since dedicated myself to helping clients pursue financial security with integrity and professionalism. Holding multiple securities licenses—including the Securities Industry Essentials (SIE), Series 6, Series 63, and Series 65—as well as Life and Health insurance licenses, I specialize in comprehensive retirement planning. In addition to helping individuals, I also serve as a 401(k) advisor—working with businesses to establish or enhance retirement plans and working with participants to make the most of their benefits. My approach combines investment strategies with essential protection pieces such as life, disability, and long-term care insurance to create well-rounded, customized financial plans. While based in Sergeant Bluff, I work with clients across multiple states and prioritize clear communication, accessibility, and long-term relationships built on trust. Outside of my practice, I enjoy time with family on our farm, competitive games of pickleball and baseball, and traveling with my wife, who works as an occupational therapist. With a commitment to excellence and a genuine desire to empower others, I am dedicated to helping you on your journey toward financial independence and peace of mind.

06/26/2026

One of the most rewarding parts of my job is helping families think through situations before they become problems.

I recently met with a business owner who is in the process of selling his business to his three sons.

On the surface, it sounds simple: the next generation takes over and Dad enjoys retirement.

But one of the questions we discussed was:

“What happens if something unexpected happens to one of the sons during the buyout period?”

When a business transition is spread over several years, there can be significant financial obligations still owed to the seller. Without proper planning, an unexpected event could create financial stress for both the family and the business.

To help address that risk, we put a plan in place designed to protect the buyout agreement and help ensure the father’s retirement plans stay on track.

Business succession planning isn’t just about transferring ownership. It’s about protecting everyone involved and making sure years of hard work result in the outcome the family intended.

I’ve found that many business owners spend decades building their business but very little time planning how they’ll eventually exit it.

If you’re a business owner and haven’t reviewed your succession or exit strategy recently, it may be worth having a conversation before you need one.

06/23/2026

A conversation I had recently reminded me how common this situation is.

I met with a gentleman who had a 401(k) from a previous employer. Like many people, he had changed jobs years ago and simply left the account where it was.

There was nothing necessarily wrong with that, but he wasn’t aware of all the options available to him.

After reviewing his situation, he decided to roll the account into an IRA.

Some reasons people consider an IRA rollover include:

✅ Consolidating old retirement accounts into one place
✅ Potentially expanding investment choices
✅ Simplifying account management
✅ Making it easier to keep track of retirement savings

Every situation is different, and leaving the money in an old employer plan can sometimes make sense as well.

The important thing is understanding your options and making an informed decision.

I’ve found that many people have old retirement accounts they’ve forgotten about or haven’t reviewed in years.

If you have an old retirement account floating aimlessly out there and haven’t looked at it in years, let’s chat. Sometimes a quick review can uncover opportunities you didn’t even know existed.

06/19/2026

“What’s the difference between a CD and a deferred annuity?”

I had a client ask me this recently, and it’s a great question because both are often used by people looking for safety and guaranteed growth.

While there are similarities, there are a few key differences:

📌 CDs are issued by banks.
📌 Deferred annuities are issued by insurance companies.

Both can offer guaranteed interest rates for a specified period of time.

Some advantages of CDs:
✅ FDIC insured (within applicable limits)
✅ Familiar and easy to understand
✅ Typically shorter-term options available

Some advantages of deferred annuities:
✅ Interest grows tax-deferred until withdrawn
✅ Often offer higher guaranteed rates than comparable CDs
✅ Can provide additional retirement income planning flexibility
✅ Many allow penalty-free access to a portion of the account value each year

The right choice depends on your goals, time horizon, tax situation, and need for liquidity.

The biggest takeaway? Don’t just compare the interest rate. Make sure you’re comparing how each option fits into your overall financial plan.

06/17/2026

A conversation I had recently surprised me.

I met with a woman who had an old pension from a previous employer. She was considering moving the money elsewhere, but she believed the only way to do it was to cash out the pension first.

What she didn’t realize was that she could roll those funds directly into an IRA.

By doing a direct rollover:

✅ No immediate taxes are due
✅ The full balance continues working for her
✅ She maintains flexibility over how the money is invested

Had she cashed it out, a significant portion of her retirement savings could have been lost to taxes before ever reaching her new investment account.

This is actually a common misconception. Many people have old pensions, 401(k)s, or retirement accounts from previous employers and aren’t aware of all the options available to them.

Before making a move, it’s important to understand the tax consequences and available rollover options. Sometimes a simple conversation can save thousands of dollars and help keep more of your hard-earned money working for you.

My wife and I spent last week in the Bahamas with Mutual of Omaha as part of a recognition trip. Moments like this are a...
04/02/2026

My wife and I spent last week in the Bahamas with Mutual of Omaha as part of a recognition trip. Moments like this are a good reminder that none of it happens without the clients and relationships that support what I do every day. I was fortunate to finish the year as the top life producer in the Midwest. Looking forward to what this year brings!

02/17/2026

🎉 Please join us in welcoming Tyler Stoltze at Mutual of Omaha Advisors as a new member of the Siouxland Chamber of Commerce!

Located in Sergeant Bluff, Tyler specializes in helping individuals and businesses plan for the future with confidence. He offers guidance on retirement planning, annuities, life insurance, and income strategies designed for long-term security and growth. His expertise and client-focused approach make him a valuable resource for our region’s professionals, families, and entrepreneurs.

We’re excited to have Tyler as part of our growing Chamber network and look forward to his contributions to the Siouxland business community! 👏

Great week at the World Series surrounded by some of the best minds in the business. Excited to bring that energy back t...
11/03/2025

Great week at the World Series surrounded by some of the best minds in the business. Excited to bring that energy back to my clients and community! ⚾️

10/29/2025

Your Retirement Plan Deserves More Than Just “Set It and Forget It” 📊💡

A lot of people think saving in a 401(k) or IRA is their retirement plan — but the truth is, that’s just the starting point.

A real plan looks at everything together:
✅ How your investments are allocated
✅ When and how you’ll draw income
✅ How to minimize taxes in retirement
✅ How to protect your plan from unexpected costs

That’s where financial guidance makes all the difference. Whether you’re just getting started or already retired, a coordinated strategy can help you make your money work smarter, not harder.

If you haven’t reviewed your plan lately — or if it’s been sitting untouched since the market changed — this is a great time to reconnect and make sure it’s still aligned with your goals.

Let’s make sure your retirement plan works as hard as you do. 💼

Planning for Tomorrow Means Preparing for All of Life’s Stages 🏡💙When we think about financial planning, most people foc...
10/15/2025

Planning for Tomorrow Means Preparing for All of Life’s Stages 🏡💙

When we think about financial planning, most people focus on saving for retirement, investing, or protecting income. But one key piece that’s often overlooked — and can have a major impact — is long-term care insurance.

Here’s why I believe it deserves a place in every well-rounded plan:
✅ Nearly 70% of people over age 65 will need some form of long-term care.
✅ The average annual cost of care can exceed $100,000.
✅ Without proper planning, those expenses can quickly erode savings or put strain on loved ones.

Long-term care insurance isn’t just about covering medical costs — it’s about protecting your independence, your family, and the assets you’ve worked a lifetime to build.

As your local financial advisor here in Sergeant Bluff, my goal is to help you create a plan that provides peace of mind today and flexibility for tomorrow.

If you haven’t reviewed how long-term care fits into your financial strategy, let’s start that conversation. A little planning now can make a world of difference later.

Address

204 1st Street Suite 127
Sergeant Bluff, IA
51054

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+15152174866

Website

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