Main Offices:
Johnston 515-457-1222
Algona 515-295-7748

Meet Our Team

Algona Office - Main*

  • Doug Marlow

    Chairman/President/General Agent
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
    Get Directions >>

     

    Doug Marlow joined Central Financial Group in 1986. He became Co-General Agent in 2006 and was named President in 2007.

     

    Throughout his career, Doug has been among the leading producers for Aviva and its predecessor companies: Central Life, American Mutual and AmerUs, He was named AmerUs Life’s Agent of the Year in 2003. Doug focuses on life insurance and annuity products. He also leads the property-casualty division of CFG.

     

    Doug is a native of Algona, Iowa and continues to reside there with his wife, Sandi, and their two children. Much of their spare time is spent watching their children participate in many scholastic and extracurricular activities. In addition, Doug is an avid golfer and enjoys boating, hunting and fishing. 

     

     

  • Tom Vautier

    Partner
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Tom Vautier joined Central Financial Group in 1990 and became a partner 1994. He is a securities branch manager and his business is focused on security investments and the qualified markets. He has held his life, health and property-casualty licenses since 1982.

     

    A native of New Jersey, Tom remained in Iowa after graduating from Buena Vista College with degrees in banking, finance and Spanish, as well as a minor in Physical Education. In 1978, he joined Dial Finance in Sioux City as a small loan officer. He was transferred to Algona in 1979, and ultimately joined Home Federal Savings and Loan Association, where he worked until joining CFG.

     

    Tom resides in Algona, Iowa with his two teenage children. He is an active member of the Algona Family YMCA and serves on their Board of Directors. Tom is also the Secretary of the Finance Committee of his local church and the volunteer conditioning coach for the local high school basketball program. During his free time, he enjoys racquet ball, jogging, and swimming. Since 2007, Tom has annually completed an open water endurance swim off the southern coast of Long Island, New York. In 2009, he was named Aviva’s Career Agent of the Year.

     

     

  • Jamie O'Neall

    Customer Service Representative & Administrative Assistant
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Jamie started with Central Financial Group in April 2014, and has licenses in property, casualty, life and health insurance. Jamie works as a customer service representative and administrative assistant in the life insurance and investment department of our Algona location.

    She is an Algona native and resides just out of town with her husband, Damon and their two boys, Jagger and Javelin.

     

     

  • Jerry Behnkendorf

    Partner
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Jerry Behnkendorf joined Central Financial Group in 1998 and became a partner in 2006. He has been in the life insurance business since 1985 and held various management positions with a large, well known insurance provider before coming to CFG. Jerry specializes in life insurance, fixed annuities and long-term care products. He was the leading life insurance sales person for CFG in 2001, 2002, 2004 and 2005.

     

    A native of Bancroft, Iowa, he now resides with his wife, Dorine in Algona. His interests include spending time with Dorine and their four children, fishing and music. In his spare time, he is the lead singer of “Galaxy,” a band he started in 1982.

     

    Connect with Jerry on LinkedIn!

  • Terese Culbertson

    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Terese came to Central Financial Group in September 2008 after working for the State of Iowa Credit Union Division as a Credit Union Examiner. At CFG, she is an administrator for the Human Resources and Accounting Department with the responsibility of ensuring compliance with Human Resource and Accounting rules and regulations. Her work consists of daily operational duties, P&C & Life commissions support, P&C receivables and reconciling, payroll, and other duties required to ensure CFG runs at its optimum. Terese graduated from Wartburg College with a bachelor’s degree in Business Administration – Finance and a minor in Accounting.
     
     
    Terese and her husband, Brad, reside on an acreage outside of Whittemore, Iowa and have two children – Avery and Hailey. Terese’s outside interests include family, volleyball, cheering on the Green Bay Packers and helping raise/train their five Labrador Retrievers for duck, goose, and pheasant hunting. Four of the five dogs hold titles as Junior or Master Hunters.    
     
  • Sue Murphy

    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Sue Murphy has been working at Central Financial Group since June 1999. Sue’s position at CFG includes most of the commercial insurance quoting and servicing, health insurance quoting and servicing along with property & casualty quoting and servicing.
     
    Sue is married to her husband Pat Murphy of 35 years.  They have 2 sons and 2 granddaughters 6 and 4 years old.   In her spare time, Sue enjoys golfing, the outdoors and spending time with her children & grandchildren. 
     
    Connect with Sue on LinkedIn.
  • Tami Reding

    Customer Service Representative
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Tami Reding came to Central Financial Group in 2013. She is a licensed Customer Service Representative with 8 years of insurance experience working as a commercial underwriter. 
     
    Tami lives near Algona with her husband Jeff and their four daughters. Jordan & Jenna (twin daughters) attending Iowa State University, Jadi (Algona High School freshman) and Jaclyn (6th grader at Algona Middle School).  Tami enjoys spending time with her family, friends, reading & traveling.  She stays very busy following the girls’ activities.
     
  • Roxy Bormann

    Customer Service Representative
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Roxy Bormann is a customer service representative with Central Financial Group in the Algona office. She holds licenses for life, health, property & casualty insurance.
     
    Roxy enjoys attending her children’s many sporting events and spending time with family.
     
  • Dan Marlow

    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
    Get Directions >>

     

    Daniel (Dan) Marlow was born February 4th, 1968 to Michael & Mary Marlow.  

     

    Dan attended Iowa State University, with various interests primarily in Political Science.  Dan married his wonderful wife Stephanie on July 26, 1996.  They have two children, Lemuel (Jess) 16 who is a junior and Patrick 15 who is a freshman both at Bishop Garrigan High School.  Dan’s interest / hobbies include spending time with his family, golf, darts, watching his sons play football, basketball, and baseball and watching dirt track racing.  

  • Denise Vaske

    Customer Service Representative
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Denise Vaske is a customer service representative at Central Financial Group in Algona.  She started her career with Central Financial in 1996.  She works in the insurance and investment department.

     

    Denise lives in Algona and is married to Keith.  They have two very active children, a son Austin and daughter Olivia.  In her spare time she enjoys spending time with family and friends and attending her children’s sporting events.

     

     

  • Sandi Marlow

    Accountant
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Sandi Marlow is an accountant and works in our Algona office.  She started doing Central Financial’s bookkeeping and payroll in her spare time for her husband Doug when he first started in the insurance business in 1986.  Sandi worked in public accounting for 13 years and passed the CPA exam before joining Central Financial Group as the primary accountant in 1998.
     
    Sandi, along with her husband Doug, are both natives of Algona, and have two children.  She enjoys spending time with friends and family, reading, and spends much of her time at her childrens’ various sporting and extracurricular activities.
  • Shelley Bilyeu

    Agent/CSR
    Office: 515-295-7748
    111 E Call Street
    Algona IA 50511
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    Shelley Bilyeu came to Central Financial Group in 2000 with over 16 years of insurance experience.  Shelley is an Agent/CSR in our Algona office for Property Casualty and Personal Lines.  Her licenses are in life, health, personal lines, and property casualty.  
     
    Shelley is married to her husband Terry.  They have been married for over 20 years and have 5 grown children together and 4 grandchildren.  
     
    Shelley enjoys spending time with her family and friends, going to their place at the lake, boating, fishing, and hunting.
     
    Connect with Shelley on LinkedIn!
     
  • Andy Jansen

    Advisor
    Office: 515-956-2464
    111 E Call Street
    Algona IA 50511
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    After attending the University of Iowa and graduating with a Business Finance Degree from the Tippie College of Business, I pursued a career in Healthcare Hospitality. Seven years later, I decided it was time to use my degree and found Central Financial Group as an easy choice to partner with to start my Financial Services Business. The Central Financial Group atmosphere and wide variety of quality products and services available fit what I was looking for.

    I take a great deal of pride in assisting my clients and providing them with the most current and up-to-date information relating to today's market activity. I have a strong passion to serve and that passion provides my drive to succeed in helping my clients build and protect their wealth through comprehensive financial strategies through the use of multiple investment and insurance products. From a life insurance strategy for you and your family to estate and financial services, I can show you how to build and protect your most important asset - YOU.

    I am originally from Bancroft, Iowa, but now live in Huxley, Iowa with my wife Amy and 2 children. I enjoy spending much of my time with friends and family. Some of my long-time passions include hunting, fishing and sporting events.

     

     

Fort Dodge*

  • Steve Heddinger

    Partner
    Office: 515-955-0607
    Fax: 515-573-2593
    301 South 25th Street #A
    Fort Dodge IA 50501
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    A lifelong resident of Fort Dodge, Iowa, Steve Heddinger became a partner with Central Financial Group on August 1, 2007. Since 1984, Steve has been dedicated to helping his clients build and protect wealth through comprehensive financial strategies based on quality investment and insurance products. His focus is on asset management for maximum income and capital preservation.

     

    Steve is past president of the Fort Dodge Association of Insurance and Financial Advisors. Away from the office, he is an active outdoorsman and is involved in many community activities. He and his wife Deborah enjoy spending time with their four children and three grandsons.

     

     

  • John Bruner

    Agent
    Office: 515-955-1909
    Fax: 515-573-2593
    301 South 25th Street #A
    Fort Dodge IA 50501
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    John started his career in education, receiving BA Degree from the University of South Dakota and a Masters of Education from Iowa State University.  He was a teacher, coach and principal in the Fort Dodge St. Edmond school system for many years.  John joined Central Financial Group in 1986.  He is a native of Carroll, Iowa and resides in Fort Dodge with his high school sweetheart and wife Connie.  Their grown daughters, Christine and Jennifer and their husbands and kids live in Clive, Iowa.  Much of John and Connie’s spare time is spent attending their seven grandkids activities.  Community involvement is a very important part of his life.  He is currently serving on the Board of Directors of the Fort Dodge Community Foundation and United Way and the Webster County Crime Stoppers Board of Directors.  He is a Civil Service Commissioner for the city of Fort Dodge and he is Chairman of the Iowa Central Community College Administrative Specialist Committee.  He has also served as a Parish Director for seventeen years for Holy Trinity Parish and many other volunteer activities and involvements. 

    John is a Baby Boomer and plans to continue working for many years because he knows retirement income planning and Baby Boomers need his services.
     

     

     

  • Mick Flaherty

    Agent
    Office: 515-576-5193
    Fax: 515-573-2593
    301 South 25th Street #A
    Fort Dodge IA 50501
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  • Patrick O'Rourke

    Agent
    Office: 515-576-5193
    Fax: 515-573-2593
    301 South 25th Street #A
    Fort Dodge IA 50501
    Get Directions >>
  • Jim Flaherty

    Agent
    Office: 515-576-5193
    Fax: 515-573-2593
    301 South 25th Street #A
    Fort Dodge IA 50501
    Get Directions >>
  • Brock Norton

    Advisor
    Office: 515-956-2464 x51595
    Fax: 515-573-2593
    301 South 25th Street #A
    Fort Dodge IA 50501
    Get Directions >>

     

     

     

Johnston Office - Main*

  • Alex Schwarck

    Financial Representative
    Office: (515) 457-1222
    Mobile: (712) 212-4606
    Fax: (515) 457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
    Get Directions >>

     

    Alex joins our West Des Moines office to serve your financial needs.  Born and raised in Okoboji, IA, he transitioned to the industry following five years of selling medical devices.

     

    Holding an extensive collection of certification, Alex is holds his Series 7, Series 66, and Life, Health, and Property & Casualty insurance licenses.  Outside of work, he enjoys boating, snowmobiling, golfing and fishing.

  • Andrea Wilcox

    Producer
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Andrea Wilcox is an independent insurance producer with over 12 years of experience.  When she isn’t helping clients prosper she is spending time with her three children (Tegan, Reese and Jameson) and her husband Matt.

     

    Andrea has made it a mission to help clients by leading with honesty and integrity.  She treats every client as though they are her own family.   She has aligned herself with Central Financial Group so she has access to the best products available for her clients.  Her responsibility is to educate and lead her clients down the path of financial peace of mind.  She specializes in Retirement Planning, Life Insurance, Health Insurance, Long Term Care Insurance, Estate Planning and Mid and Small Business Development. 

     

    For fun Andrea and her family is busy with school athletics, dance, softball and watching any sporting events.  They are an all American family with a hectic schedule but manage to have fun and enjoy life to the fullest!

  • Brad Whitman

    CLTC, General Agent/Partner
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Brad is the District Manager for Central Financial Group. He has been helping people make smart financial decisions with their money since 1994. Brad joined Central Financial Group in 2005 and became a partner in 2007. In 2010, he became Co-General Agent with Doug Marlow.

     

    Brad has achieved his Certified Long Term Care designation and is currently working towards a Certified Financial Planner designation.

     

    He and his wife, Estela, live in Des Moines with three sons. In his spare time, Brad coaches baseball and soccer, in addition to spending lazy weekends at the family’s vacation home in Clear Lake.

     

     

  • Sonja Gonzalez

    Director of Operations/Partner
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Sonja has been with Central Financial Group since 1991 and has more than 28 years of experience in the insurance industry.

     

    She is the Director of Operations in our West Des Moines office and oversees all daily operations of the life insurance department, annuity department and securities department.

     

    Sonja has served as President for the National Association of Insurance and Financial Advisors Board of Directors is a member of the West Des Moines Chamber of Commerce and current member of the National Association of Women Business Owners.

     

    Sonja and her husband, Jesse, reside in Dexter, Iowa and have one grown daughter. Sonja’s outside interests include family, golf, gardening, boating, running and volunteering. Sonja is a dedicated advocate for both Breast Cancer and Colon Cancer Awareness. She devotes much of her free time and energy supporting events which focus on finding a cure for cancer. Sonja and her husband are also “serious football fans” and are season ticket holders for the Kansas City Chiefs.

     

     

  • Merle Boeve

    Brokerage General Agent/Partner
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Merle joined Central Financial Group in 2006 and became a partner in 2007. His primary responsibility is to identify, attract and hire producers for the organization. Merle has more than 20 years of experience in the financial services industry. He began his career as an agent in Minnesota before joining The Principal Financial Group, where he served as a management consultant, as well as Director of Agent Training and Management Development. He returned to the field in 1999 and worked as a manager for New York Life Insurance Company. His diverse background helps him in his primary role of attracting independent producers to Central Financial Group, while managing relationships with the carriers with which CFG maintains national marketing agreements and CFG’s Preferred Brokerage Network.

     

    Merle and his wife, Melanie, live in Clive, Iowa, with their two children. Merle is an avid golfer and follows all the Minnesota-based sports teams. His favorite times are those spent with his children as they grow up. 

     

     

  • Margie Branam

    Sales Support Consultant Preferred Network
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
    Get Directions >>

    Margie comes to us with 15 years of experience in the insurance industry, the last 10 from the AIP Marketing Alliance.  She specializes in submitting and tracking life business within the Preferred Network using the eLink tracking system to keep agents up-to-date on their business.  Please call her with any of your Preferred Network questions including underwriting, risk evaluations and illustrations. 

     

    Margie and her husband Tim have been married 28 years and have 3 children and one grandchild.

     

    Connect with Margie on LinkedIn!

     

  • Genie Kmicinski

    Sales Support & Life Insurance/Licensing
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Genie has more than 20 years of experience in the life insurance industry and joined Central Financial Group in 2006. She has a strong background in life and annuity insurance administration and holds her life and annuity license. 

     

    Genie leads the Life Department for Central Financial Group, where she is a Sales Support Consultant, responsible for all aspects of life Insurance support for our agents. She also processes all of the Licensing and Contracting for our agency and field agents. 

     

    Genie resides in West Des Moines with her 2 dogs, Star & Lincoln. In her spare time, she enjoys traveling, shopping and volunteering as a member of the West Des Moines Elks.

     

     

  • Melissa Meyer

    Executive Administrative Assistant
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Melissa has been with Central Financial Group since 2010.  Her primary focus is working with commissions and supervisory reports for our agents and managers.  She does a variety of things including a monthly agency newsletter, designing of agent brochures, troubleshooting computer issues and arranging events and meetings. 

     

    Melissa graduated from the University of Iowa in 2003 with a Bachelor of Arts degree.  Melissa has been married for 9 years to her husband Joe.  Their family lives in Waukee and they have two children.  A daughter who is 7 years old and a son who is 4 years old.  Melissa enjoys spending time with her family and taking on creative endeavors.

     

     

  • Deann Wood

    Sales Support - Annuities
    Office: 515-457-1222
    Fax: 515-457-1223
    5700 Merle Hay Rd. PO Box 1447
    Johnston IA 50131
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    Deann Wood is the administrator for the Annuity Department at Central Financial Group. As an annuity specialist and Sales Support Consultant, she is responsible for all aspects of annuity support for CFG agents. She has more than 30 years of experience and currently holds licenses for annuity, life, health, property and casualty, as well as hail insurance.

     

    Deann began her career with CFG in Algona in 1983. In 2009, she joined the West Des Moines Office, when she and her husband, Jeff, became empty nesters and decided to build their dream home on property they had previously purchased at Diamondhead Lake, located west of West Des Moines.

     

    Deann and Jeff have been married over 30 years and have two grown children, who have married and are currently providing them with beautiful grandchildren. Deann enjoys boating, reading, and sewing, along with spending time with family.

     

     

Spencer Office*

  • Scott Kass

    Partner
    Office: 712-580-6444
    Fax: 712-580-3349
    702 Grand Ave
    Spencer IA 51301
    Get Directions >>
    Scott Kass joined CFG in the Spencer office in July, 2013.
    Prior to joining CFG, Scott has been in the insurance business for over 40 years; first as an underwriter, and then in the agency business.
    The spencer office offers insurance coverage including all personal and commercial lines, as well as life and health policies.
    Scott and his wife Marlene have three children and when not at home in Okoboji, they travel to Denver and Kansas City to visit their grandchildren. 

Urbandale Office*

  • Tom Plowman

    Office: 515-575-9498
    Fax: 515-254-9297
    7031 Douglas Ave
    Urbandale IA 50322
    Get Directions >>

    Tom has been in the insurance industry for over 20 years, primarily focusing in Commercial Insurance. 

     

    Tom attended Iowa State University and is a huge fan of all ISU sports.  Tom has three boys and enjoys spending time with them and attending any activities they may be involved in.

     

    Connect with Tom on LinkedIn.

     

  • Jeff Lawler

    Office: 515-575-9498
    Fax: 515-254-9297
    7031 Douglas Ave
    Urbandale IA 50322
    Get Directions >>

    Jeff Lawler has been in the Insurance industry for 22 years, focusing on Personal Lines, Small Business, and Life Insurance. 

     

    Jeff is a  naitive of Westside, Ia, attended Carroll Kuemper, SE Missouri State, and Simpson College. He resides in the Des Moines area with his wife Nancy, and their 4 children.  Any spare time is usually filled with his kids scholastic and extracurricular activities. Jeff is also a fan of both Iowa and Iowa State as well as the Pittsburg Steelers and St Louis Cardinals. Jeff is on the Board of Directors for the Des Moines Business Group and Central Iowa Business Groups, is a member of the St Pius X Knights of Coumbus, and has his LUTCF designation.

  • Curt Buchmeier

    Office: 515-457-1222
    Fax: 515-254-9297
    7031 Douglas Ave
    Urbandale IA 50322
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    Born and raised in the Newton area, Curt moved to Denver Colorado & worked primarily in construction before returning to Newton in the late 80s. Pursuing a Degree in Liberal Arts (DMACC) while working at Maytag Corporation, Curt eventually left Maytag and entered into an advertising sales career in 1989. Curt lives in the Beaverdale neighborhood along with his wife, Elizabeth, and their two children and enjoys spending time with them while supporting and attending their various activities.

     

    Connect with Curt on LinkedIn.

Wesley Office*

  • Mark Klein

    Vice President/Partner
    Office: 515-393-6250
    Fax: 515-679-4222
    201 W. Main Street
    Wesley IA 50483
    Get Directions >>

    Mark Klein merged Klein Insurance Agency with Central Financial Group in 2003. He is a co-owner of CFG and is Managing Partner of the Casualty Insurance Division.

     

    Klein Insurance began in the 1950s, when Mark’s grandfather, LeRoy, bought Exchange State Bank and assumed the insurance agency in the bank. In the late 1950s, he was joined by his son, David.. In 1978, David’s son, Mark, joined the agency, taking full ownership in 1991. The agency focuses on property and casualty insurance, as well as life, health and securities.

     

    Mark was born and raised in Wesley. He resides in Algona, with his wife, Bev, and their two children. He is active in his community, school and church, He enjoys attending his children’s sporting events and spending time at the lake. Hobbies include hunting, snowmobiling, ATVing and spending time on his hobby farm.