Meet Our Professionals

  • Kurt Wedewer, CEBS

    Executive Vice President

    Retirement Division

    Kurt Wedewer is the Executive Vice President for the Retirement Division at American Trust & Savings Bank. He joined the bank in 1997 and has over 23 years of experience in the banking and retirement industries. As one of the fastest growing areas in the bank, Wedewer is responsible for overseeing the division, including the sales and continued development of the retirement solution, and forming relationships with advisory firms. Today, American Trust Retirement is recognized as a top retirement plan provider in the nation and has received recognition from PLANSPONSOR magazine. Kurt is also a member of the bank's management team where he is instrumental in the strategic planning of the division and for the bank.


    Kurt graduated from the University of Northern Iowa with a Bachelor of Arts degree in Finance. He was awarded the Certified Employee Benefit Specialist designation by the Wharton School of Business and received the Retirement Plan Specialist designation in 2001.

  • Chuck Seymour, QKA

    Vice President

    Client Services Manager

    As First Vice President, Mr. Seymour manages our Client Services Department. He is responsible for the department's overall ongoing account management and administration services, as well as employee enrollment/education meetings for plan sponsors and participants. Chuck is a graduate from Loras College in Dubuque, Iowa, and has completed several securities examinations, including the Series 7 and 63. Chuck has over 20 years of experience in the service, administration, and education of qualified retirement plans. He is a designated Qualified 401(k) Administrator (QKA) through the American Society of Pension Professionals & Actuaries.

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    Fred Sear, Jr.

    Vice President

    Technology and Processing Manager

    As First Vice President, Mr. Sear is responsible for the department's technology needs, including overseeing day-to-day processing output. Fred graduated from Clarke University in Dubuque, Iowa, with a degree in Mathematics. He has over 20 years of qualified retirement experience and spent over 13 years designing and developing technology to assist clients and retirement plan participants.. He also serves as a message board moderator for the employee benefits website, "BenefitsLink" and is an active member of the Sungard Relius Administration User Group.

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    Jeff Kunkel, ERPA, QPA, QKA

    Vice President

    Compliance, Documents, and Testing Manager

    As Vice President, Mr. Kunkel manages the Transition, Compliance, Plan Document, and Testing departments. His team is responsible for ensuring that all retirement clients maintain their tax qualified status by keeping each plan up-to-date and in compliance with Internal Revenue Service and Department of Labor laws. Jeff is a graduate of the University of Wisconsin-Platteville and holds a Bachelor of Science degree in Accounting and Business Management. He has over 20 years of experience in the retirement industry. Jeff is an Enrolled Retirement Plan Agent (ERPA) and is enrolled to represent retirement plan clients before the Internal Revenue Service. In addition, he has attained the designations of Qualified Pension Administrator (QPA) and Qualified 401(k) Administrator (QKA) under the American Society of Pension Professionals and Actuaries (ASPPA).

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    Ryan Bryte

    Vice President

    Sales Manager

    Mr. Bryte manages the Sales Department in the Retirement Division. He is responsible for managing internal and external wholesalers and developing external relationships with RIA, broker dealers, and insurance agencies. Ryan graduated from Simpson College with a Bachelor of Arts degree in Business Management and has a Master's degree in Business Administration from Clarke University in Dubuque. He has nine years of experience in the retirement industry, and has held his Series 7 and Series 63 securities licenses.

  • Marketing

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    Jill Courtney

    Retirement Marketing Administrator

    As the Retirement Marketing Administrator, Ms. Courtney is responsible for creating publications, brochures, sales promotions, communications, and website development for the Retirement Division. She is also responsible for coordinating special events and projects. Jill joined American Trust in 2009 and has over 13 years experience in sales and marketing. She holds a Bachelor of Arts degree in Marketing from Clarke University in Dubuque, Iowa.

  • Sales Team

    Led by Ryan Bryte

  • Dennis Herber, QKA

    First Vice President

    Senior Sales Executive

    Dennis is responsible for fostering relationships with advisors. He aids the sales process by assisting advisors at the point of sale and providing the necessary tools. He has over 20 years of retirement experience with a focus on complex plan design, fiduciary requirements, mergers and acquisitions, and investment strategies. In addition, Dennis has earned the Qualified 401(k) Administrator designation through the American Society of Pension Professionals and Actuaries.

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    Michelle Breitbach

    Sale Process Supervisor

    Michelle is responsible for overseeing the new business proposal process and acting as a liaison for our external sales partners. She is a 2002 graduate of the University of Northern Iowa with a Bachelor of Arts degree. Immediately after graduating, she began working in the retirement industry. Michelle came to American Trust in 2007 with a strong background in participant communication, disbursements, and tax reporting.

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    Kaitlyn Ries

    Inside Sales Executive

    As inside sales executive, Kaitlyn is responsible for developing and maintaining relationships with advisors and asset managers, and also supports the senior sales executive. She graduated from Clarke University in Dubuque, Iowa with a Bachelor of Arts degree in Business Administration with an emphasis in Marketing. Kaitlyn joined the financial and retirement industry in 2007 and started at American Trust in 2013. She holds the Series 6 and 63 securities licenses.

  • Zach Mahoney

    Inside Sales Executive

    As inside sales executive, Zach is responsible for developing and maintaining relationships with advisors and asset managers, and also supports the vice president of sales. Zach graduated from Loras College in Dubuque, Iowa with a Bachelor of Arts degree in Public Relations and also has a Master of Arts degree in Business Management from the University of Dubuque in Dubuque, Iowa. He has extensive experience in the retirement industry at the plan and individual level. He has held the Series 7 and Series 65 licenses.

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    Jennifer Martin

    Inside Sales Executive

    As inside sales executive, Jennifer is responsible for maintaining relationships with advisors and supports our sales professionals. She joined American Trust in May 2013 with over four years of experience in the retirement industry. Jennifer is a graduate of the University of Northern Iowa in Cedar Falls, Iowa where she earned a Bachelor of Arts degree in Human Resource Management and holds both Series 6 and 63 securities licenses. She is currently pursuing the Qualified 401(k) Administrator designation.

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    Dan McDermott

    New Business Coordinator

    Dan is responsible for the analysis and creation of sales proposals for our sales professionals. He joined American Trust in 2012 with a Bachelor of Arts degree in Finance and Management from Loras College in Dubuque, Iowa. Dan brings to American Trust a strong background in investment research, data analysis, strategic planning, and leadership gained through his active involvement in the community. Dan is currently pursuing his Master of Arts degree in Business Administration from Loras College in Dubuque, Iowa.

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    Scott Schemmel

    New Business Coordinator

    Scott is responsible for the analysis and creation of sales proposals for our sales professionals. He joined American Trust in 2013 with a Bachelor of Arts degree in Accounting and Economics from Loras College in Dubuque, Iowa. Scott's experience in retirement focuses on the areas of 401(k), pension, and IRAs. He has a strong background in assisting and educating sales forces.

  • Client Services Team

    Led by Chuck Seymour

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    Debra Morris

    Second Vice President

    Trust Officer

    Account Manager

    As Second Vice President, Ms. Morris is responsible for account management and administration of retirement plans in our Iowa City office. Debra holds Bachelor of Arts and Master of Business Administration degrees from the University of Iowa, and has more than 20 years of experience in employee benefits. She is also a graduate of the ABA National Graduate Trust School.

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    Tim Reynolds, APA

    Second Vice President

    Trust Officer

    Account Manager

    As Second Vice President and Trust Officer, Mr. Reynolds is responsible for account management and administration of retirement plans. Tim has over 22 years of experience in the retirement industry working with plan sponsors to maximize retirement savings and outcomes for their employees. Tim is a graduate of Western Illinois University and has attained Series 6, 63, and 26 securities licenses, as well as insurance licensing. He holds the Accredited Pension Administrator designation through the National Institute of Pension Administrators (NIPA).

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    Erick Kephart

    Account Manager

    As an Account Manager, Mr. Kephart partners with employers on the administration and operation of their retirement plan. He also works individually with their employees providing guidance on retirement strategy and asset allocation. Erick graduated from Loras College with a Bachelor of Arts degree in Business Management. He joined American Trust in 2011 as an Enrollment Specialist with experience in 401(k) and pension accounts, specifically providing investment assistance, education of plan features, and instruction on retirement strategies to plan participants. Erick has held Series 6 and 63 securities licenses and is currently working to obtain the QKA designation.

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    Barb Pins

    Account Manager

    Ms. Pins joined the American Trust Retirement Division in 2013. Her responsibilities as an Account Manager include providing exceptional service and strategic solutions to plan sponsors. Barbara has 18 years of experience in the financial industry with 12 of these years dedicated to retirement. She has attended Iowa State University and the University of Northern Iowa. Barbara holds her series 6 and 63 securities licenses and completed Retirement Planning Fundamentals I and II courses.

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    Jody Clasen

    Account Manager

    As an Account Manager, Ms. Clasen partners with brokers and employers on the administration of retirement plans. Jody's responsibilities as an Account Manager include providing excellent service, support , and guidance on overall retirement plan management. Jody is a graduate of Clinton Community College, Clinton, Iowa with an Associate of Arts degree in Business. She has also completed Consumer Credit Schooling in Ames and was a consumer loan officer for three years before coming to American Trust Retirement in 2006. Jody has over 16 years of experience in customer service, client communications, and brings 12 years of banking experience to American Trust. Jody plans on pursuing the Qualified 401(k)Administrator (QKA) designation.

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    Krista Lebeck

    Trust Officer

    Retirement Participant Services Supervisor

    Ms. Lebeck manages our Enrollment Education and Retirement Specialists in the Participant Services Department, and is responsible for the ongoing maintenance and development of our retirement education program. She and her team strive to deliver personalized service which is second to none, and help to ensure that individuals in our retirement plans fully understand and utilize the options available to them.

    Ms. Lebeck has over ten years of experience in the financial and retirement industry dealing with qualified plans, as well as investment advising with IRAs and individual brokerage accounts. She graduated from Loras College with a Bachelor of Arts degree in Business Marketing, and is also is NASD series 7, 63, and 65 securities-licensed.


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    Brian McCleary

    Enrollment Specialist

    As an Enrollment Specialist, Mr. McCleary is responsible for employee enrollment and education meetings. He has his Series 7, 63, and 65 securities licenses and is life insurance licensed. Brian graduated from Iowa Wesleyan College with a Bachelor of Arts degree in Business Marketing. He joined the industry in 2000 and started at American Trust in 2009. He has 10 years of experience in the retirement industry on both 401(k) and pensions, as well as investment advising in IRAs and individual brokerage accounts.

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    Linda Kirst

    Enrollment Specialist

    As an Enrollment Specialist, Linda is responsible for employee enrollment and education meetings. She joined American Trust in 2012 with five years of experience in the retirement industry. She also came with teaching experience through substitute teaching for 15 years. Linda graduated from the University of Wisconsin – Madison with a Bachelor of Business Administration degrees in both Finance and Risk Management. She holds the series 6 and 63 securities licenses.

  • Ashley Harder

    Enrollment Specialist

    As an Enrollment Specialist, Ashley is responsible for holding education and enrollment meetings with plan participants. She joined American Trust in 2014 with three years of experience in the retirement and customer service industries. Ashley graduated from the University of Northern Iowa with a Bachelor of Arts in Spanish, and is fluent in oral and written Spanish.

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    Holly J. Digman

    Enrollment Specialist/Sales Assistant

    Holly is responsible for 401(k) enrollment and education meetings as well as taking 401(k) participant phone calls. She also acts in the capacity as an Investment Representative-Sales Assistant on the brokerage side of the business. She has 20 plus years of experience in the retirement and insurance industry, in which she has the Series 6 and 63 Investment License and Life and Health Insurance License.

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    Ashley Mangers

    Retirement Specialist

    As a Retirement Specialist, Ms. Mangers is responsible for assisting plan sponsors with day-to-day processing inquiries and ongoing service and communication requests. Ashley has an Associate of Arts Degree from Hawkeye Community College. Ashley comes to American Trust with eight years experience in the retirement industry, with a strong emphasize on distributions and participant communication.

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    Jeni Ferring

    Lead Retirement Specialist

    As a Retirement Specialist, Ms. Ferring is responsible for Simple IRA, Traditional IRA and ROTH IRA accounts, IRA distributions, and tax reporting for IRA and 401(k) accounts. Jeni attended Loras College and the University of Northern Iowa. She has 33 years of banking experience, including 23 years of trust experience.

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    Cindy Wiederhold

    Retirement Administrative Assistant

    Ms. Wiederhold joined American Trust in 2009 with 14 years in the retirement industry. Cindy has extensive experience in processing and has taken on a variety of leadership roles in that area. As a Retirement Administrative Assistant, she is responsible for offering support in several areas of the department, primarily focusing on providing excellent customer service.

  • Compliance, Documents & Testing Team

    Led by Jeff Kunkel

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    Danielle Kerper

    Transition Consultant

    Ms. Kerper joined the American Trust Retirement team in 2013 as a Transition Consultant. Danielle is responsible for the transition of plan assets, participant data, and historical information for plans. She is a graduate of Loras College, Dubuque, Iowa with a Bachelor of Arts degree in Political Science. She has over 15 years of experience in the retirement industry, and has attained her series 6, 63, and 26 securities licenses, as well as insurance license. Danielle plans on pursuing the Qualified 401(k) Administrator (QKA) designation.

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    Julie Sheckles

    Transition Specialist

    Ms. Sheckles joined the American Trust Retirement team in 2013 as a Transition Specialist. Julie is responsible for the transition of plan assets, new plan set-up on the system, participant data, and historical information for plans. She is a graduate of Clarke College, Dubuque, Iowa with a Bachelor of Arts degree in Business and has over 23 years of experience in the retirement industry.

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    Sue Jacobs, QKA

    Trust Officer

    Document Services Supervisor

    As the Document Services Supervisor, Ms. Jacobs is responsible for overseeing plan document services for new business and existing clients. Sue consults with new business clients on plan design and drafting of their plan document materials, and also assists with ongoing amendments and technical/compliance related questions for existing clients. Sue joined American Trust in 2008, and has over 15 years of experience with retirement plan administration and compliance. She has an Associate Degree in Business from Waubonsee Community College in Sugar Grove, Illinois and holds a Qualified 401(k) Administrator (QKA) designation.

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    Molly Freiburger

    Sr. Document Compliance Specialist

    Ms. Freiburger is responsible for consulting with new business clients and the drafting of their plan documents, preparing document updates and amendments, and assisting with technical and compliance related questions. She joined American Trust in 2009 with over 10 years of retirement experience. Prior to joining American Trust, Molly has filled various roles in the retirement industry including participant services, client services, compliance, and plan document design. Molly holds a Bachelor of Arts degree in Communication from Loras College in Dubuque, Iowa.

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    Natalie Nieman

    Documents Specialist

    As a Documents Specialist, Ms. Nieman is responsible for drafting plan documents and assisting with technical and compliance related questions. She joined American Trust in 2012 with over 12 years of retirement experience. Prior to joining American Trust, Natalie has filled various roles in the retirement industry including client consultant, transition consultant, business analyst, pension consultant and compliance analyst. Natalie holds a Bachelor of Business Administration degree in Marketing from Iowa State University in Ames, Iowa.

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    Jarred Koos

    Documents Specialist

    As a Documents Specialist, Mr. Koos is responsible for drafting plan documents and assisting with technical and compliance related questions. He attended the University of Dubuque and has over six years of financial industry experience between retirement and consumer lending. Mr. Koos joined American Trust in 2013.


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    Heidi Hunter, QKA

    Trust Officer

    Compliance Services Supervisor

    As the Compliance Services Supervisor, Ms. Hunter is mainly responsible for managing the year-end discrimination testing and Form 5500 annual reporting processes. In the 13 years Heidi has been employed with American Trust, she obtained experience in the administrative, data entry, and document areas of the Retirement Division. Heidi attended Northeast Iowa Community College and completed courses in Accounting and is a designated Qualified 401(k) Administrator (QKA).

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    Karen Schwendinger, QKA

    Compliance Testing and Reporting Specialist

    After graduating from the University of Iowa, Ms. Schwendinger began working in the retirement industry where she has held various positions. She joined American Trust in 2005 as a compliance tester and relocated to the West Des Moines office in 2006. She holds a Qualified 401(k) Administrator (QKA) designation.

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    Diane Boleyn, CRSP

    Compliance Specialist

    Ms. Boleyn joined American Trust Retirement as a Compliance Specialist in 2003. In her 28 years experience in the retirement industry, she has been involved in all aspects of qualified plan administration. Her primary focus has been in compliance and testing, while assisting in other areas of the Retirement Division. She has earned the designation of Certified Retirement Services Professional from the Cannon Financial Institute Retirement Plan Services Schools.

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    Loran Decker, QKA

    Compliance Testing and Reporting Specialist

    Mr. Decker Joined American Trust in 2007 with 15 years of compliance testing and 5500/audit support experience. He has a Bachelor of Arts degrees in Accounting and Marketing and has his Qualified 401(k) Administrator (QKA) designation.



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    Amber Cain

    Compliance Testing and Reporting Specialist

    Amber joined American Trust in July 2012 and became a part of the Compliance Testing and Reporting Team in the Retirement Division in December 2013. She is a graduate of University of Dubuque with a Bachelor of Science Degree in Healthcare Administration and attended Northeast Iowa Community College where she obtained her Associate in Applied Science Degree. Amber has over 11 years of experience in the customer service field. She is currently pursuing the Qualified 401(k)Administrator (QKA) designation.

  • Technology & Processing Team

    Led by Fred Sear

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    Kristy Coyle

    Senior Technology Specialist

    As the Technology Specialist, Ms. Coyle is responsible for coordinating the plan sponsor and participant reports, supporting administration of the recordkeeping system, and new technology developments. She joined American Trust in 2007 with 17 years of retirement experience and six years of technology experience. Kristy obtained her Computer Information Systems degree from Wartburg College in 1992.

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    Jennifer Travis

    Processing Supervisor

    Ms. Travis began her career with American Trust in 2005. She holds an Associate of Applied Science degree with emphasis on Administrative Assistant, as well as an Account Clerk Diploma from Northeast Iowa Community College. As Processing Supervisor, Jennifer is responsible for overseeing all policies and procedures for the recordkeeping area, and is also responsible for research and reporting for the recordkeeping area.

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    Jillian Kronfeldt

    Lead Data Specialist

    Ms. Kronfeldt began her career with American Trust in 2007. As Lead Data Specialist, Jill is responsible for cash management, balancing accounts, managing workflow and is also responsible for training new employees. She has completed the Retirement Planning Fundamentals I and II courses.

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    Kari Tuecke

    Data Specialist

    Ms. Tuecke joined American Trust in 2007 with over 15 years in banking experience. Kari has an Associate Degree in Accounting from Madison Area Technical College. Kari has completed the Retirement Planning Fundamentals I and II courses.

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    Carol Ambrosy

    Data Specialist

    Ms. Ambrosy joined American Trust in 2007. Carol has a Bachelor of Arts degree from the University of Dubuque, and has completed the Retirement Planning Fundamentals I and II courses. Has 6 years of service, evolving into a new roll for distributions but not yet named at this point.

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    Denise Mohr

    Data Specialist

    Ms. Mohr began her career at American Trust in June 2011 and moved to the Retirement Division in January 2012. She relocated to Dubuque from Garrison, New York and has a background in bookkeeping and administration with six years experience in pension administration. Denise has completed the Retirement Planning Fundamentals I and II courses.

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    Beth Ostwinkle

    Data Specialist

    Ms. Ostwinkle has been with the American Trust since 2008 and transferred to the Retirement Division in January 2012. Beth has completed the Retirement Planning Fundamentals I and II courses.

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    Sheila Hall

    Data Specialist

    Ms. Hall began her career at American Trust in 2013. She has been a data specialist for 19 years with 15 years specifically in the retirement industry. Sheila is currently pursuing the Retirement Planning Fundamentals I and II courses.