Individual & Group: Term, Whole Life, Universal Life, Indexed UL, Variable Life
Meet Our Team!
Financial Service Professionals & Trusted Advisors
Financial service professionals should be people of the highest character, men and women of integrity and honor. I grew up in a time where personal relationships were important, I was taught to treat others like you would like to be treated. In a world where financial turmoil is commonplace, the stock market is flux, and solid financial principles are becoming extinct, M3 Wealth is promoting financial education.
We focus on more than growing assets and marketing quality products. We are concerned about every facet of your portfolio, your debt, your budget, emergency savings, college planning, estate planning, how to live comfortably in retirement, and so much more… We care about you!
Duane Fugleberg
Managing Partner:
Financial Cartographer / Business Consultant
VP of Lending Operations
Contact:
(208) 542-1010 (W)
(208) 528-9559 (F)
duane@m3wealth.com
- Areas of Emphasis:
- Financial Cartographer
- Business Consultant
- Creative Financing Solutions
- Retirement Planning
- Wealth Management
Jared Knudsen, CFP
Chief Marketing Officer:
Founder Current Client
Medicare Specialist
Contact:
(801) 218-2488 (W)
(801) 841-4735 (F)
jared@wasatchbg.com
- Areas of Emphasis:
- Medicare Supplement Specialist
- Social Security Expert
- Client Engagement Specialist
- Digital Technology Strategies
Trent Dransfield
Partner / Retirement Specialist:
Retirement & Social Security Specialist
Certified Life Coach
Contact:
(435) 938-8968 (W)
(435) 363-7643 (F)
drans007@netzero.com
- Areas of Emphasis:
- Retirement Specialist
- Retirement Specialist
- Social Security Expert
- Certified Life Coachs
- Charitable Giving Liaison
Kyle S. Bigler, CFP
Investments:
Certified Financial Planner
Investment Advisor
Contact:
(801) 377-6126 (W)
(801) 841-4735 (F)
kyle@corefn.com
- Areas of Emphasis:
- Structured Equity Portfolios
- Retirement & Distribution Planning
- CSocial Security Expert
- Financial Planning
- Charitable Giving
Securities, investment advisory, and financial planning services offered, in states where licensed, exclusively through KMS Financial Services, Inc. Member FINRA/SIPC and an SEC Registered Investment Advisor. This site is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any securities or investment advisory services that may be referenced herein. We may only offer services in states in which we have been properly registered and are exempt from registration. Therefore, some of the services mentioned may not be available in your state, and if not, the information is not intended for
you.
Nicole Goodwill
Individual & Group Benefits:
Managing Partner
Benefits Specialist
Contact:
(801) 845-6721 (W)
(801) 878-4686 (F)
Nicole@goodwillbenefitsgroup.com
- Areas of Emphasis:
- Individual & Group Health
- Vision & Dental Insurance
- Long-term & Short-term Disability
- Supplemental Benefits:
- Accident/Emergency
- Cancer
- Critical Illness
- Hospitalization
Our Financial Services Teams
Meet the Life Insurance Team
Eric Stuart
VP – Life Distribution
Josh Phifer
Life Sales Support & Underwriting Consultant
Sarah Clift
Life Internal Wholesaler
Strategic Partnership
Meet the Annuity Team
Individual & Group: (SPIA) Immediate, Fixed, Indexed, & Variable Annuities
Nate Williams
VP – Annuity Distribution
Travis Carrell
Annuity Marketing
Dean Hamilton
Annuity Marketing
Strategic Partnership
Meet the Disability Team
Individual & Group Disability, Business Overhead, Buy‑Sell, Business Buy‑Out, Loan Protection (Business/Student)
Bart Spencer
Director – Disability & LTC
Rob Christensen
Linked Benefit, Disability & LTC Marketing
Strategic Partnership
Meet the Long‑Term Care Team
Long‑Term Care Specialists & Retirement Planning
Barney G. Tanner
Director – National Brokerage
Jamie Thornton
Linked Benefit, LTC & Disability Marketing
Strategic Partnership
Meet the Investment/Financial Planning Team
Annuities, Life Insurance, Structured Portfolios; Stocks, Bonds, Mutual Funds, Etc…
Our Purpose:
To assist our clients with their Investment and Financial Planning needs. Helping them to plan for the future, protect their assets, and to provide peace of mind.
Duane Fugleberg
Financial Cartographer / Business Consultant
(208) 542-1010 (W)
(208) 528-9559 (F)
duane@m3wealth.com
- Areas of Emphasis:
- Financial Cartographer
- Business Consultant
- Creative Financing Solutions
- Retirement Planning
- Wealth Management
Financial service professionals should be people of the highest character, men and women of integrity and honor. I grew up in a time where personal relationships were important, I was taught to treat others like you would like to be treated.
In a world where financial turmoil is commonplace, the stock market is flux, and solid financial principles are becoming extinct, M3 Wealth is promoting financial education.
We focus on more than growing assets and marketing quality products. We are concerned about every facet of your portfolio, your debt, your budget, emergency savings, college planning, estate planning, how to live comfortably in retirement, and so much more… We care about you!
Kyle S. Bigler, CFP
Certified Financial Planner / Investment Advisor
(801) 377-6126 (W)
(801) 841-4735 (F)
kyle@corefn.com
- Areas of Emphasis:
- Structured Equity Portfolios
- Retirement & Distribution Planning
- CSocial Security Expert
- Financial Planning
- Charitable Giving
Securities, investment advisory, and financial planning services offered, in states where licensed, exclusively through KMS Financial Services, Inc. Member FINRA/SIPC and an SEC Registered Investment Advisor. This site is for informational purposes only and is not an offer to sell or a solicitation of an offer to buy any securities or investment advisory services that may be referenced herein. We may only offer services in states in which we have been properly registered and are exempt from registration. Therefore, some of the services mentioned may not be available in your state, and if not, the information is not intended for you.
Kyle S. Bigler, CFP
Certified Financial Planner / Investment Advisor
(801) 727-8780 (W)
(801) 727-8777 (F)
todd@heritagesolutionsgroup.com
- Areas of Emphasis:
- Asset Accumulation & Preservation
- Asset Distribution Planning
- Risk Assessment
- Social Security Integration
Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance product sales, including annuities, life insurance, and long‑term care insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. IAR is also a licensed insurance agent. In this capacity, IAR may offer fixed life insurance products and receive normal and customary commissions. The client is under no obligation to purchase products through IAR on a commissionable basis. In addition, IAR may receive other compensation such as fixed or variable life trails. The potential for receipt of commissions and other compensation when IAR acts as an insurance agent may give IAR an incentive to recommend insurance products based on the compensation received.
Duane’s Fugleberg:Duane worked his way through college as a teller and loan officer for Seafirst Bank in Seattle, Washington. He attended Rick’s College (now BYU Idaho) and the University of Montana where he played football and wrestled, while pursuing a degree in business management. After college he worked for Lyons and Associates a full-service insurance agency in Salt Lake City, Utah (which eventually become the insurance department for Zion’s Bank). After leaving Lyons and Associates in 1989, Duane was hired by Seafirst Bank, who was eventually acquired by Bank of America. In 1992, Duane was hiredas a VP and Manager for Bank of America in their Idaho Falls Office and was tasked with regional training and service on the bank’s Incentive and Strategic Budget Committee’s.
In 1996, Duane founded American Marketing & Financial Group where he did financial planning, and eventually added lending.In 2004, he co-founded M3Wealth, a non-traditional financial services company focused debt-based planning, debt elimination, lending and business consulting. M3 Wealth focuses on: “Mapping a sustainable course to Financial Self-reliance, Measuring the impact of daily financial decisions, and Mentoring proven financial principles.”
Kyle S. Bigler:After 10 years representing single companies (MONY and Beneficial Life), Kyle founded CORE Financial, Inc. in 2010 to provide a more independent and flexible platform for delivering financial advice and services to clients.
Kyle’s primary focus is an asset management and retirement planning, but he is also passionate about teaching clients different strategies for managing cash flow and reducing debt – two areas he feels are underserved within the industry.
Born in Arizona, Kyle was raised primarily in Utah County, where he graduated from BYU in 2000 (Marketing) and currently lives with his wife and two children.
Outside of work, Kyle’s primary interests include music, cycling, baseball, reading, and traveling with his family.
F. Todd Schwendiman:Todd founded HSG over 20 years ago to help numerous families and individuals along the Wasatch Front and throughout the western United States to protect and preserve their retirement assets.
He believes it’s vital to understand retirement may last 30‑40 years, and that Income, Social Security and Safe Money Asset Management planning are a crucial part of this process. Most people Todd works with are not concerned about running out of money, they’re fearful of running out of income. When he’s able to help them balance their retirement income needs with only a portion of their portfolio, with money left over to invest a portion of the excess, he can see the sense of relief in their eyes.
Todd is a member of the National Ethics Association, is a recognized National Social Security Advisor, and has a Series 65 securities registration. He earned a finance degree from the University of Utah and a business degree from Salt Lake Community College.
Todd has been married to his best friend Laurel for over 36 years and they are proud parents of three children and grandparents of four. He enjoys traveling with his wife and family and spending time outdoors.
Meet the Individual & Group Benefits Team
Individual/Group Health, Vision, Dental, Long & Short-term Disability, and Supplemental Benefits
Our Purpose:
To assist our clients with individual and group benefits to protect their families and give them peace of mind. The benefits we provide not only protect individuals and families… they protect businesses, provide retention solutions for employees, solidify management teams, and help to define and enhance corporate structures.
Nicole Goodwill
Managing Partner / Benefits Specialist
(801) 845-6721 (W)
(801) 878-4686 (F)
Nicole@goodwillbenefitsgroup.com
- Areas of Emphasis:
- Individual & Group Health
- Vision & Dental Insurance
- Long-term & Short-term Disability
- Supplemental Benefits:
- Accident/Emergency
- Cancer
- Critical Illness
- Hospitalization
Nicole Goodwill
Managing Partner / Benefits Specialist
(801) 891-7831 (W)
(801) 878-4686 (F)
Laurie@goodwillbenefitsgroup.com
- Areas of Emphasis:
- Individual & Group Health
- Vision & Dental Insurance
- Long-term & Short-term Disability
- Supplemental Benefits:
- Accident/Emergency
- Cancer
- Critical Illness
- Hospitalization
Nicole Goodwill:
Nicole has over 15 years of carrier experience with more than 7 years of broker experience. Prior to starting her own agency, Nicole was a broker at one of the largest agencies/PEO’s in Utah. Prior to becoming a broker, Nicole was the Director of Sales for Opticare of Utah. She helped Opticare to expand into other states, created new partnerships, and spear‑headed system expansions, growing Opticare over 4 ½ years from 319 groups to well over 600.With over 20 years of benefits experience, Nicole is now able to put her wealth of knowledge, innovative business ideas, and development insights to work directly for you or your business.
Nicole has over 15 years of carrier experience with more than 7 years of broker experience. Prior to starting her own agency, Nicole was a broker at one of the largest agencies/PEO’s in Utah. Prior to becoming a broker, Nicole was the Director of Sales for Opticare of Utah. She helped Opticare to expand into other states, created new partnerships, and spear‑headed system expansions, growing Opticare over 4 ½ years from 319 groups to well over 600.With over 20 years of benefits experience, Nicole is now able to put her wealth of knowledge, innovative business ideas, and development insights to work directly for you or your business.
Laurie Padjen:
Laurie Padjen has over 25 years of experience in the insurance industry. She worked for Delta Dental in the Provider Relations department. She was the primary contact for the Utah Medicaid providers and acted as a liaison between the provider and Delta Dental Insurance.Prior to working at Delta Dental, Laurie was one of the top account executives for EMI Health where she developed broker relationships, negotiated with underwriters, and worked with administrators of many groups to define their benefits and account management.Laurie began her career as treatment coordinator/office manager for a small dental office, so she understands how confusing and frustrating insurance can be, especially with all of the changes in Healthcare over the years.Whether you need a personal insurance plan for your family or a health care plan for your employees, Laurie is dedicated to assist you in finding health insurance plans that fit your needs.
Laurie Padjen has over 25 years of experience in the insurance industry. She worked for Delta Dental in the Provider Relations department. She was the primary contact for the Utah Medicaid providers and acted as a liaison between the provider and Delta Dental Insurance.Prior to working at Delta Dental, Laurie was one of the top account executives for EMI Health where she developed broker relationships, negotiated with underwriters, and worked with administrators of many groups to define their benefits and account management.Laurie began her career as treatment coordinator/office manager for a small dental office, so she understands how confusing and frustrating insurance can be, especially with all of the changes in Healthcare over the years.Whether you need a personal insurance plan for your family or a health care plan for your employees, Laurie is dedicated to assist you in finding health insurance plans that fit your needs.
Meet the Medicare Supplement Team
Medicare Supplement Options for Retirees and their Spouses
Jared Knudsen, CFP
Managing Partner Medicare:
Founder of Current Client
(801) 218-2488 (W)
(801) 841-4735 (F)
jared@wasatchbg.com
- Areas of Emphasis:
- Medicare Supplement Specialist
- Social Security Expert
- Client Engagement Specialist
- Digital Technology Strategies
Darin Knudsen
Medicare Specialist
(801) 218-2488 (W)
(801) 841-4735 (F)
darin@wasatchgb.com
- Areas of Emphasis:
- Medicare Supplement Specialist
- Social Security Expert
- Client Engagement Specialist
- Digital Technology Strategies
What should I know about Medicare Supplement?
Our Purpose:
Transitioning to retirement can seem daunting, especially when trying to navigating the complexities of Social Security and Medicare. Most people often wonder…
- How do I maximize my benefits?
- How to coordinate spousal, survivor and divorced benefits?
- What’s the impact of filing early vs delaying benefits?
- How does working after I file impact my benefits and taxes?
- Should I enroll in Medicare at 65 if I’m still working?
- What does Medicare cover and what doesn’t it?
- How does Medicare compare to my current coverage?
- What’s the difference between Medicare Advantage and Supplement Plans?
Our goal is to help retirees understand Social Security and Medicare in simple, plain terms that everyone can comprehend.
Click the buttons below to request the assistance you’re interested in.
Meet the Lending Team
Residential, Commercial, Ag Real Estate Loans & Ag Real Estate Opportunities
Our Purpose:
To assist our clients with everything they may need in the Real Estate market. Premier Lending Solutions is a conduit to many different Realtors and Realty Groups, Banks, Credit Unions, Residential Lenders, Commercial Lending Groups, and Agricultural Lending Resources. Our goal at Premier Lending Solutions is to help you with every aspect of your transaction or real estate project from start to finish!
Duane Fugleberg
VP of Lending Operations
(208) 542-1010 (W)
(208) 528-9559 (F)
duane@m3wealth.com
- Areas of Emphasis:
- Commercial Lending Specialist
- Banking & Lender Relations
- Ag Loans & Lines of Credit
- Realtor Liaison
- Real Estate Maximization Strategies
Larry Tweedie
VP of Residential Lending
(208) 390-2682 (W)
NMLS# 100227
ltweedie@vfund.com
- Areas of Emphasis:
- Residential Lending
- Idaho Housing
- Home Equity Loans
- Specialty Lending Programs
Jack Goddard
VP of Agricultural Lending
(208) 390-9708 (W)
(208) 528-9559 (F)
goddardjack1@gmail.com
- Areas of Emphasis:
- Agricultural Lending
- Ag Equity Lines of Credit
- Equipment Leasing
- Specialty Ag Programs
- Agricultural Real Estate Sales
Meet the Consulting Team
Practice Management / Business Consulting
Our Purpose:
To help our clients to develop and design their culture, define their mission, create Key Performance Indicators to track and manage sustained growth, to improve communications with staff and customers/clients, establish and refine business processes and operational efficiencies, and help them to improve the “bottom line” of their businesses/practices.
Duane Fugleberg
Founding Partner
Business/Practice Management Consultant
Financial Cartographer – Commercial Lending
(208) 542-1010 (W)
(208) 528-9559 (F)
duane@m3wealth.com
- Areas of Emphasis:
- Culture by design, NOT default.
- Develop/Update business processes
- Define/Delineate Job Descriptions
- Develop Financial Key Performance Indicators
- Staff Training & Motivation
- Improved Communication Skills
- Increase profitability and grow business
- Strategic Partnerships & Succession
Katie Davenport
Strategic Partner:
Billing & Collection Specialist
CPT & ICD-10 Expert
(208) 520-2636 (C)
(844)946-0909 (F)
Katie1241@hotmail.com
- Areas of Emphasis:
- Medical/Dental Billing Specialists
- Certified Medical/Dental Coding
- Revenue Cycle Management
- Medical/Dental Collections Experts
- HIPAA Compliant Practices
- Assistance with Credentialing
- Monthly Reporting
- Cost Effective Solutions!
Duane’s Fugleberg:
Duane worked his way through college as a teller and loan officer for Seafirst Bank in Seattle, Washington. He attended Rick’s College (now BYU Idaho) and the University of Montana where he played football and wrestled, while pursuing a degree in business management. After college he worked for Lyons and Associates a full-service insurance agency in Salt Lake City, Utah (which eventually become the insurance department for Zion’s Bank). After leaving Lyons and Associates in 1989, Duane was hired by Seafirst Bank, who was eventually acquired by Bank of America. In 1992, Duane was hiredas a VP and Manager for Bank of America in their Idaho Falls Office and was tasked with regional training and service on the bank’s Incentive and Strategic Budget Committee’s.
In 1996, Duane founded American Marketing & Financial Group where he did financial planning, and eventually added lending.In 2004, he co-founded M3Wealth, a non-traditional financial services company focused debt-based planning, debt elimination, lending and business consulting. M3 Wealth focuses on: “Mapping a sustainable course to Financial Self-reliance, Measuring the impact of daily financial decisions, and Mentoring proven financial principles.”
Katie Davenport:
Born and raised in Idaho Falls, Katie grew up in the medical industry. She spent 10 years at Community Care starting while in high school. She worked her way up into Administration where she learned every aspect of that business. After starting her family and adjusting to motherhood, Katie purchased her first billing company in 2006. She has been deeply involved in medical billing/coding ever since. She is passionate about finding ways to increase revenue for offices and providers.
There has never been a single provider she hasn’t been
able to locate and recover lost revenue for in her 15 years of doing business. She enjoys helping providers understand the overall business of medicine and allowing them to do what they do best!
Katie has four children and loves to play the piano, watch movies, surf and play games.
