Our Team

A Team You Can TRUST.

Our team includes individuals with financial planning, investment management, tax and legal expertise, dedicated to working with you and your team of experts, including attorneys and accountants, to deliver and implement a customized plan centered around you.

If you would like to contact our Wealth Management team, please call us at 641-422-1600 or fill out a contact form. We are here to help you.

Our Wealth Management Team

Nicole Rognes Olson, JD, CFP® Chief Wealth Management Officer Location: Mason City West
About Me

Nicole Rognes Olson, JD, CFP®

As Chief Wealth Management Officer, Nicole leads the Wealth Management Department with locations in Mason City and Charles City and serves on the Executive Leadership Committee of First Citizens Bank. In her role, she supports all internal teams within the Wealth Management Department and works directly with clients on complex matters involving estate planning and trust administration.
“I am passionate about my work with families taking a proactive approach to helping them create and maintain their legacies and supporting my team to serve our clients well. My grandmother taught me about the value of education at a very young age and I continue that legacy through a commitment to curiosity and continued learning both for our clients and our team.” -Nicole Olson
**EXPERIENCE & EDUCATION**
• Nicole has been with First Citizens since September 2017
• Juris Doctor, University of Iowa - College of Law
• B.B.A. in Management, University of Iowa Tippie College of Business
• B.A. in Spanish, University of Iowa - College of Liberal Arts
• CERTIFIED FINANCIAL PLANNER®
• Southeastern Trust School Certificant
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• Habitat for Humanity of North Iowa
Board Member
• Iowa State Bar Association (ISBA) Probate
Section Co-Chair
• Iowa Academy of Trust & Estates Counsel
• Iowa Trust Association Vice President
• Community Bankers of Iowa Board Member
**PERSONAL**
• Lives in Clear Lake with husband and four kids
• Spends free time reading, traveling, and enjoying friends and family
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. JD is an educational degree and the holder does not provide legal advice to customers.

Michael J. Castle, CFP® VP, Senior Wealth Advisor Location: Mason City West
About Me

Michael Castle, CFP®

**WORK RESPONSIBILITIES**
As a Wealth Advisor, Mike works with clients to articulate and define their goals, and then design and implement a plan to achieve those goals. Mike leads the Wealth Advisory Team, and serves on the Wealth Investment Strategy Committee and Trust Investment Committee.
“I love the look on our customer’s faces when I can tell they have achieved peace of mind about their planning. They know where they are and they know where they are headed with their financial lives.” - Mike Castle
**EXPERIENCE & EDUCATION**
• Mike has been with First Citizens since September 2018
• More than 24 years of financial services experience
• B.B.A. in Finance, University of Iowa
• CERTIFIED FINANCIAL PLANNER®
• Chartered Life Underwriter (inactive)
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• Newman Catholic Foundation - Treasurer
• Epiphany Parish Finance Committee
• Wealth Investment Strategy Committee
• Trust Investment Committee
**PERSONAL & LEISURE**
• Enjoys boating, golfing, and bike riding
• Mike has lived in Mason City with his wife, Jenny, since 2002
• They have three children - Lily, Tim, and Monica
CFP Board is a nonprofit certification organization with a mission to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for personal financial planning. CFP Board owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP (with plaque design) and CFP (with flame design) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.

Brad Dummett, CFA® VP, Senior Investment Officer Location: Mason City West
About Me

Brad Dummett, CFA®

**WORK RESPONSIBILITIES**
As VP, Senior Investment Officer, Brad carries out our investment philosophy through day to day portfolio management. Brad is integral in adopting new technology to provide enhanced investment management to both direct and outsource clients.
*“I enjoy being part of our Investment team and providing strong performance and results to our clients.”* - Brad Dummett
**EXPERIENCE & EDUCATION**
• Brad has been with First Citizens since September 2013
• B.B.A. in Finance, University of Northern Iowa
• CFA Charterholder
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• Wealth Investment Strategy Committee
• Trust Investment Committee
**PERSONAL & LEISURE**
• Enjoys golfing and spending time with family and friends
CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute.

Terry Bleile, CPA (inactive) AVP, Wealth Advisor Location: Mason City West
About Me

Terry Bleile, CPA (inactive)

**WORK RESPONSIBILITIES**
As a Wealth Advisor, Terry works closely with individuals and businesses in accomplishing their financial goals. Terry brings a strong level of tax expertise to our team and is primary relationship
management for retirement plan administration. He holds office hours in Mason City and Charles City.
“I enjoy helping clients put together their financial puzzle. As a father and a coach, I believe in taking time to help our clients set their short and long-term goals and to map their financial future.” - Terry Bleile
**EXPERIENCE & EDUCATION**
• Terry has been with First Citizens since February 2018
• More than 25 years accounting and finance experience
• B.A. in Accounting & Education, University of Northern Iowa
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• Wealth Investment Strategy Committee
• Mason City Chamber of Commerce
• Past Habitat for Humanity Board Member - Treasurer
• Iowa Society of Certified Public Accountants
Member
• American Institute of Certified
**PERSONAL & LEISURE**
• Enjoys coaching youth sports teams
• Enjoys spending time with family and friends

Amanda Berding, ATOP AVP, Trust Operations Officer Location: Mason City West
About Me

Amanda Berding, ATOP

**WORK RESPONSIBILITIES**
As AVP, Trust Operations Officer, Amanda oversees the daily work of our operations team for both direct clients and outsourcing clients ensuring the smooth and efficient execution of daily processing. In her role, Amanda provides operational expertise and issue resolution for both our internal teams and outsourcing clients. Amanda serves on our Trust Operations and Compliance Committee.
*“I enjoy providing excellent service to all customers and finding solutions to complex issues. We have a strong team and all work together to get things done.”* - Amanda Berding
**EXPERIENCE & EDUCATION**
• Amanda has been with First Citizens since December 2004
• A. A. General Studies, North Iowa Area Community College
• Accredited Trust Operations Professional
**PERSONAL & LEISURE**
• Enjoys family time, gardening, baking, cooking, summer weekends in Northern Minnesota, DIY projects, and taking care of her family pets

Chelsea Frederick, CTFA AVP, Trust Officer Location: Mason City West
About Me

Chelsea Frederick, CTFA

**WORK RESPONSIBILITIES**
As a Trust Officer, Chelsea is part of the Fiduciary Team. She administers accounts, including estates, trusts, foundations, bill pay agencies, and farm management agencies. Chelsea serves on the Trust Administration Committee.
*“I enjoy building relationships with our clients and beneficiaries and working with them at critical points in their lives to help them develop and execute their plans.“* - Chelsea Frederick
**EXPERIENCE & EDUCATION**
• Chelsea has worked at First Citizens since July 2019
• M.A. & B.A. in Sport Management with a Marketing Minor, Minnesota State University – Mankato
• Certified Trust & Fiduciary Advisor (CTFA) from the American Bankers Association
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• Board Secretary for the Northern Lights Alliance
for the Homeless Shelters (NLAHS)
• Trust Administration Committee
**PERSONAL & LEISURE**
• Married with two children
• Enjoys boating, hiking, and her children’s sporting events

Lauren Heuberger Trust Officer Location: Mason City West
About Me

Lauren Heuberger

**WORK RESPONSIBILITIES**
As a Trust Officer, Lauren is part of the Fiduciary Team. She administers accounts, including estates, trusts, foundations, bill pay agencies, and farm management agencies. Lauren serves on the Trust Administration Committee.
*“I enjoy the opportunity to serve our clients in a way that has a lasting impact. Each situation is unique, but our team is well-equipped and diverse to properly serve.”* - Lauren Heuberger
**EXPERIENCE & EDUCATION**
• Lauren has been with First Citizens since 2021
• B.S., Iowa State University
• Social Security Representative Payee experience
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• As a Social Security Representative Payee,
Lauren was responsible for the emotional, social, and economic aspects of her client’s lives
• Trust Administration Committee
**PERSONAL & LEISURE**
• Lauren likes to spend time with her busy family, which consists of her husband, young children and dogs
• She likes to tackle house projects and yard work in her free time
• Go ISU!

Emily Strusz Trust Officer Location: Mason City West
About Me

Emily Strusz

**WORK RESPONSIBILITIES**
As a Trust Officer, Emily is part of the Fiduciary Team.
She administers accounts, including estates, trusts, foundations, bill pay agencies, farm management agencies. Emily also monitors all Irrevocable Life Insurance Trusts. Emily serves on the Trust Administration Committee.
“ Every customer deserves to feel like their account is the most important account, no matter the size, complexity, or value. I strive to make customers feel valued and appreciated by creating trusted
relationships in the process.” - Emily Strusz
**EXPERIENCE & EDUCATION**
• Emily has been with First Citizens since January 2023
• B.A. Psychology, Luther College
• 7 years experience with Clerk of Court
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• MacNider Art Museum volunteer
• Trust Administration Committee
**PERSONAL & LEISURE**
• Lives in Mason City with her husband, two children, and two French Bulldogs
• Enjoys working on house projects and organizing her home
• Enjoys spending free time watching movies with her family as well as planning events for family and friends

Sawyer Dalluge Associate Investment Officer Location: Mason City West
About Me

Sawyer Dalluge

**WORK RESPONSIBILITIES**
As an Associate Investment Officer, Sawyer uses specialized knowledge and skills obtained through experience, specialized training and/or certification to manage prudent investment of fiduciary and other discretionary assets held in individual and Trust accounts while working in concert with the Investment Team, Wealth Advisors, and Trust Officers.
*“One of the reasons I enjoy working for First Citizens is our core values and the emphasis put on integrity. Always doing the right thing and in the best interest of our clients.”* - Sawyer Dalluge
**EXPERIENCE & EDUCATION**
• Sawyer has been with First Citizens since March 2022
• B.A. in Business Administration and Management, Buena Vista
• A.A. Degree, North Iowa Area Community College
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• United Way of North Iowa Finance Committee
• Wealth Investment Strategy Committee
**PERSONAL & LEISURE**
• Enjoys spending time with family and friends
• Enjoys golf, pheasant hunting, and other various outdoor activities
• Avid sports fan

Gaby Castelán Associate Wealth Advisor I Location: Mason City West
About Me

Gaby Castelán

**WORK RESPONSIBILITIES**
As an Associate Wealth Advisor I, Gaby provides guidance and
expertise to clients in meeting their financial needs and assisting
them with clarifying, and then developing a plan to meet their
financial planning goals.
“ I believe in the importance of building strong, long-lasting relationships with clients while helping them define and map their financial future. My goal is to ensure clients feel secure and confident in their financial journey, knowing they have a skilled and well-prepared team they can rely on. “ - Gaby Castelán
**EXPERIENCE & EDUCATION**
• Gaby has worked at First Citizens since May 2024
• B.A. in Economics, Business Management, and Spanish, Luther College
**COMMUNITY & PROFESSIONAL INVOLVEMENT**
• Coach for Mason City Soccer Club
**PERSONAL & LEISURE**
• Mason City Native
• Enjoys spending time with family and friends
• Spends free time traveling, being active, and coaching soccer

Nicole Smith Wealth Management Administrator Location: Mason City West

Colleen Mooney Associate Benefits Advisor I Location: Mason City West
About Me

Colleen Mooney

**WORK RESPONSIBILITIES**
As an Associate Benefits Advisor I, Colleen provides guidance and education to employee benefit plan clients. Colleen works directly with Plan Sponsors to ensure efficient retirement plan
administration and provide strong education to plan participants.
*“I enjoy being part of a team that provides excellent service to our clients so they can succeed in achieving their financial goals.“* - Colleen Mooney
**EXPERIENCE & EDUCATION**
• Colleen has worked at First Citizens since November 2024
• B.S. in Business Administration with concentrations in Human Resource Management and Personal Finance, Shippensburg University of Pennsylvania
**PERSONAL & LEISURE**
• Enjoys traveling and spending time with family and friends

Lora Mills, ATOP Investment Specialist Location: Charles City

Erin Trask Trust Operations Specialist II Location: Mason City West

Lindsey Swartwood Trust Operations Specialist Location: Mason City West

Cally Peterson Trust Assistant II Location: Mason City West

Melissa Davis Trust Assistant I Location: Mason City West

Keven Goepel Wealth Assistant I Location: Mason City West

Connie Knuth Wealth Assistant I Location: Mason City West

Megan Campbell Wealth Assistant I Location: Mason City West

Our Investment Center Team

Holly Miller Investment Executive Location: Mason City West

Arcon Concepcion — Arcon A. Concepcion Investment Executive Location: Charles City

First Citizens Bank provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay First Citizens Bank for these referrals. This creates an incentive for First Citizens Bank to make these referrals, resulting in a conflict of interest. First Citizens Bank is not a current client of LPL for brokerage or advisory services.

Please visit the LPL Financial website to review the Institution Plain English Disclosure for more detailed information.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Citizens Bank and First Citizens Investment Center are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name First Citizens Investment Center, and may also be employees of First Citizens Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of First Citizens Bank or First Citizens Investment Center. Securities and insurance offered through LPL or its affiliates are: