Retirement Income Planning in West Des Moines & the Des Moines Metro
Waukee has grown into one of the most sought-after communities in the Des Moines metro — and the families putting down roots here have real financial planning needs that deserve a local answer. Heartland Retirement Group is an independent fiduciary firm serving Waukee and Dallas County residents who are building toward retirement or already there, with advisors who meet you where it's convenient: in your home, at our Urbandale office, or virtually.
Whether you've spent decades accumulating savings and are ready to build an income plan, or you're earlier in the process and want to make sure you're on track, we'd welcome the conversation.
Retirement and Wealth Planning Services for Waukee Families
Heartland's planning model covers every dimension of retirement — not just the investment piece. Dallas County families we work with typically need help coordinating income, taxes, estate plans, and protection strategies in a single, integrated relationship rather than managing separate professionals who don't communicate with each other.
Our services for Waukee and Dallas County clients:
Building a reliable monthly income from Social Security, retirement accounts, and guaranteed income sources so you know exactly where your money comes from each year
Roth conversions, RMD coordination, and withdrawal sequencing designed to reduce your lifetime federal tax burden — and take advantage of Iowa's favorable retirement tax environment
Portfolio strategy built around your income timeline and risk tolerance, held at Schwab or Fidelity
Beneficiary reviews, will and trust coordination, and wealth transfer planning for Iowa families
Protecting your retirement income from the care costs Medicare won't cover
Heartland is an independent registered investment advisor, which means we operate as fiduciaries. We're legally required to act in your best interest at all times — not just recommend something that clears a suitability threshold. We have no proprietary products, no commissions tied to investment recommendations, and no Wall Street firm directing how we work.
The firm was founded by Brandon Bose, who has more than 18 years of experience in retirement planning, alongside co-founder Kalvin Johnson. Our team of 10 advisors serves families across Waukee,
West Des Moines, Urbandale, Johnston, and the broader
Des Moines metro.
An Independent, Fiduciary Firm — Not a Branch Office
Frequently asked questions
Questions Waukee Families Ask About Retirement Planning
Is there a retirement advisor that serves Waukee, Iowa?
Yes. Heartland Retirement Group specifically serves Waukee and Dallas County as part of our Des Moines metro practice area. We work with families throughout the corridor from Waukee through West Des Moines, Urbandale, and Johnston, and we're comfortable meeting clients in Waukee directly.
Do your advisors meet clients in Waukee?
We meet clients wherever works best for them — in their home, at our office at 9245 Northpark Drive in Urbandale, or virtually. Many Waukee clients prefer in-home meetings, and that's something we do regularly throughout Dallas County.
What does a fiduciary advisor do that a typical financial advisor doesn't?
A fiduciary is legally required to recommend what's in your best interest, disclose conflicts of interest, and avoid placing their compensation ahead of your outcomes. Many advisors operate under a lower suitability standard, which only requires that a recommendation be appropriate for your general situation — not necessarily the best option available. In retirement, that difference matters in ways that can affect your income, your taxes, and your legacy for decades.
When should I start retirement planning if I live in Waukee?
The earlier you start building a plan, the more options you have — but it's never too late to benefit from one. The most critical planning window is typically the five to ten years before retirement, when decisions about Social Security timing, Roth conversions, and withdrawal sequencing can have the greatest impact. If you're in that window, now is a good time to sit down with an advisor.
How is Heartland different from a large national financial firm?
Heartland is an independent firm with no parent company and no product quotas. Your advisor is a named person who knows your full financial picture and will still be here in five years. We don't rotate accounts or pass clients between teams. The relationship is with a specific advisor — and that advisor answers to you.
