Retirement Planning in Ankeny, Iowa — Independent, Fiduciary Advisors Serving Polk County
Ankeny has grown into one of the most established communities in the Des Moines metro — and the families who have built their lives here have built real assets along the way. Heartland Retirement Group is an independent fiduciary firm serving Ankeny and Polk County residents who are approaching retirement or already in it, with a full advisory team and the flexibility to meet clients in their home, at our Urbandale office, or virtually.
If you're within ten years of retirement and don't yet have a clear income plan, or you're already retired and want a second set of eyes on how your money is structured, we'd welcome the conversation.
Retirement and Wealth Planning Services for Ankeny Families
Heartland's integrated planning model covers every dimension of retirement in a single advisory relationship. Ankeny families we work with are typically managing a complex mix of retirement accounts, Social Security timing decisions, tax exposure, and estate planning questions — and they want one team that can coordinate across all of it rather than a collection of separate professionals who've never spoken.
Our services for Ankeny and Polk County clients:
Building a reliable monthly income from Social Security, retirement accounts, and guaranteed income sources — with a clear picture of where your money comes from in every year of retirement
Roth conversions, RMD coordination, and withdrawal sequencing that reduce your lifetime federal tax burden while taking full advantage of Iowa's retirement-friendly tax environment
Portfolio strategy aligned with your income timeline and risk tolerance, held at Schwab or Fidelity
Beneficiary reviews, will and trust coordination, and wealth transfer planning tailored for Iowa families
Protecting your retirement income and your assets from care costs that Medicare won't cover
A Fiduciary Team With Real Experience Behind Every Recommendation
Heartland is an independent registered investment advisor. That means every advisor on our team operates as a fiduciary — legally required to act in your best interest, with no proprietary products to sell and no commission structure tied to investment recommendations.
The firm was founded by Brandon Bose, with more than 18 years of retirement planning experience, and co-founder Kalvin Johnson. Our team of 10 advisors serves families across the
Des Moines metro, including Ankeny, Urbandale, West Des Moines, Johnston, and throughout the Polk County area. Client assets are held at Schwab or Fidelity — national custodians with no affiliation to our advisory practice.
Frequently asked questions
Questions Ankeny Families Ask About Retirement Planning
Is there a retirement planning advisor in the Ankeny area?
Yes. Heartland Retirement Group serves Ankeny and the surrounding Polk County area as part of our Des Moines metro practice. Our Urbandale office is a short drive from Ankeny, and we also meet clients in their homes or virtually — whichever works best.
Do you meet with clients in Ankeny?
We do. We meet clients wherever it's most convenient — at our office at 9245 Northpark Drive in Urbandale, in their home, or over video. Many Ankeny clients find the Urbandale office easy to reach, but in-home meetings throughout Polk County are something we do regularly.
What's the difference between a fiduciary advisor and a broker?
A fiduciary advisor is legally required to recommend what's in your best interest and to disclose any conflicts of interest. A broker typically operates under a suitability standard, which only requires that a recommendation be appropriate for your general situation — not that it's the best option available to you. In retirement planning, that difference can have meaningful consequences over time: in how your income is structured, how your taxes are managed, and how your legacy is protected.
How far in advance should Ankeny families start retirement planning?
The five to ten years before retirement is when most planning decisions have the greatest impact. Roth conversion windows, Social Security timing, and withdrawal sequencing strategies all work better when there's time to implement them thoughtfully. That said, we regularly work with clients who come to us closer to or already in retirement — there are always planning opportunities available regardless of where you're starting.
What makes Heartland different from a large financial firm in Ankeny or Des Moines?
Independence and accountability. We have no parent company, no product quotas, and no Wall Street firm shaping our recommendations. Your advisor is a named person who knows your full financial picture and is accountable to your outcomes. The relationship doesn't get reassigned, and the advice isn't driven by anything other than what we believe is right for your plan.
