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!

Southeast Idaho

Duane Fugleberg

Managing Partner:
Financial Cartographer / Business Consultant
VP of Lending Operations

Idaho & Utah Offices

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

Schedule an Appointment

 

Janeen Fugleberg

Office Manager:
Investment Advisor

Idaho & Utah Offices

Contact:
208-369-6840 (W)
208-528-9559 (F)
janeen@m3wealth.com

  • Areas of Emphasis:
  • Customer Service Supervisor
  • Retirement Planning Support
  • Training Coordinator/Director
  • Client Liasson
  • Carrier Relationship Manager

 

Nick Fugleberg

Executive Assistant:
Seminar Coordinator

Idaho & Utah Offices

Contact:
208-520-2188 (W)
208-528-9559 (F)
nick@m3wealth.com

  • Areas of Emphasis:
  • Customer Service Representative
  • Retirement Planning Support
  • Seminar Coordinator
  • Client Liasson

Northern Utah

Duane Fugleberg

Managing Partner:
Financial Cartographer / Business Consultant
VP of Lending Operations

Idaho & Utah Offices

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

Schedule an Appointment

Trent Dransfield

Marketing Director/Strategic Partner:
Social Security and Retirement Specialist

St. George & Logan Offices

Contact:
(435) 938-8968 (W)
(435) 363-7643 (F)
drans007@netzero.com

  • Areas of Emphasis:
  • Retirement Planning
  • Social Security Expert
  • Risk Management Advisor
  • Marketing Director
  • Certified Life Coach

Nick Fugleberg

Executive Assistant:
Seminar Coordinator

Idaho & Utah Offices

Contact:
208-520-2188 (W)
208-528-9559 (F)
nick@m3wealth.com

  • Areas of Emphasis:
  • Customer Service Representative
  • Retirement Planning Support
  • Seminar Coordinator
  • Client Liasson

 

 

Our Financial Services Teams

Meet the Life Insurance Team

Individual & Group: Term, Whole Life, Universal Life, Indexed UL, Variable Life

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…

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.

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.

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 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 travelling with his family.

Meet the Individual & Group Benefits Team

Individual/Group Health, Vision, Dental, Long & Short-term Disability, and Supplemental Benefits

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

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 employers, solidify management teams, and help to define and enhance corporate structures.

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.

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 Padjen
General 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

Meet the Medicare Team

Medicare & Medicare Supplement Options

Our Purpose:

Transitioning to retirement can seem daunting, especially when trying to navigating the complexities of Social Security and Medicare. Most people often wonder.

Reed Raymond
Medicare Specialist:
Idaho Offices; Idaho Falls & Southeast Idaho

208-317-7799 (Cell)
208-522-6531 (Fax)
jared@wasatchbg.com

  • Areas of Emphasis:
  • Medicare Specialist
  • Medicare Advantage vs. Supplements
  • Retirement Healthcare Solutions
  • Prescription Plans for Retirees

Our goal is to help retirees to understand their Social Security and Medicare options in plain, easy to comprehend language.

  • 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?

Please click on the buttons below to request information or assistance;

Complimentary Social Security Timing Report
Complimentary Medicare Analysis

Joseph Bradley
Medicare Specialist:
Utah Offices; Brigham City & Logan

801-397-3030 (W)
801-916-8375 (Cell)
jared@wasatchbg.com

  • Areas of Emphasis:
  • Retirement Planning
  • Medicare Specialist
  • Medicare Advantage vs. Supplements
  • Social Security Expert
  • Financial & Estate Planning

 

Meet the Commercial, Residential & Ag 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!

Tanya Kosmicki
Commercial & Ag Loan Officer

702-232-4014 (Cell)
208-528-9559 (F)
premierlendingtanya@gmail.com

  • Areas of Emphasis:
  • Commercial Lending Specialist
  • Agricultural Loans & Lines of Credit
  • Part-time & Full-time Farm Loans
  • Realtor Liaison
  • Land as your Legacy Strategist

Apply Now

Larry Tweedie
Residential Lending Manager

(208) 390-2682 (W)
NMLS# 100227
ltweedie@vfund.com

  • Areas of Emphasis:
  • Residential Lending
  • Idaho Housing
  • Home Equity Loans
  • Specialty Lending Programs

Apply Now

Jack Goddard
Commercial & Ag Training

(208) 390-9708 (W)
(208) 528-9559 (F)
goddardjack1@gmail.com

  • Areas of Emphasis:
  • Ag Marketing
  • Commercial Trainer
  • Ag Traine
  • 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.
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