Real conversations.
Practical strategies.
Built for hard-working Iowans.
A plan that fits your life.
☎ Call Nick: 563-794-1859 ✉ Send a Quick Note
Financial planning and investment guidance in Waukon and throughout Northeast Iowa.
Built for People Around Here

If you have ever thought:
“I probably should talk to someone about this...” — This is that conversation.
This isn't a call center. It's not a 1-800 number. I work with people right here in northeast Iowa who want to sit down, talk things through and make thoughtful, educated decisions.
Trusted by Northeast Iowa
This is for you if...
- You've saved some money but aren't sure what to do next
- You feel like you "should have a plan" ... but don't
- You're getting bits and pieces of advice from everywhere
- You just want someone to explain things clearly
You don't need to have everything figured out. Most people don't
Nicholas Wilz
Financial Advisor
nick@heartlandwealthpartners.com
Nicholas Wilz is the founder of Heartland Wealth Partners, bringing more than a decade of experience across banking, insurance, and comprehensive financial planning. His career began in community banking, where he learned the importance of clear communication, trust, and meeting people where they are. From there, he moved into insurance and eventually became an agency owner with Farm Bureau Financial Services, working closely with farm families, small businesses, and rural households across Northeast Iowa.
Those years shaped his understanding of real-world financial decision-making—from cash flow, debt structure, and land and equipment purchases to protection planning and long-term goals that do not always fit neatly into a spreadsheet. He later expanded into comprehensive financial planning and investment guidance, earning his Series 7 and Series 65 registrations along with insurance licenses. That combination allows clients to work with one advisor who understands both the practical decisions they face and how each piece fits into the larger financial picture.
Nicholas also leads education and outreach for LOSAP programs supporting volunteer fire departments, helping departments and participants understand their benefits and make confident decisions.
Heartland Wealth Partners is the culmination of that journey — a firm built on clarity, calm, and genuine care for the people and communities he serves. Nicholas created Heartland to offer planning‑first guidance, real conversations, and long‑term partnership for individuals, families, agricultural clients, and local organizations throughout Northeast Iowa.
Let’s Make a Plan.
Have a question about retirement, your farm or your business? Start with a conversation. You do not need to have everything organized before we talk.
What I Help With
Retirement Planning That Brings Clarity
I help you understand what retirement looks like for your life - income, timing, taxes and the tradeoffs that matter. The goal is simple: calm, educated and confident decisions.
Tax-Smart Strategies for Everyday Life
From Roth choices to farm income to capital gains, I walk you through the tax angles that support long-term stability and help you avoid surprises.
Investment Guidance You Can Actually Understand
No jargon, no pressure. I help you understand your options, how they work and how to align your investments with your goals and comfort level.
Planning for Families, Farms & Small Businesses
Whether it is cash flow, insurance questions, or long-term planning, I help you make educated decisions that matter to you and the people who matter most.
Start With the Question on Your Mind
You do not need to know which product, account or strategy you need. Most conversations begin with a practical question. Nick Wilz helps people in Waukon, Decorah, Cresco and throughout Northeast Iowa organize the facts and work through the next step.
Can I afford to retire?
Your savings balance is one piece. Spending, pension income, Social Security and your retirement date belong in the same picture. Explore the retirement-readiness review.
What should I do with my old 401(k)?
Compare the available alternatives, account features and costs before choosing a direction. Understand your old 401(k) options.
How do I bring my retirement decisions together?
Nick can help connect IPERS or other pension estimates, investments and household income needs in a structured review. Learn about retirement planning.
How do we get our department’s LOSAP organized?
Plan setup, funding coordination and participant questions can feel like separate projects. Find practical Iowa LOSAP help.
How do we pass on the family farm?
Keeping the farm viable, supporting the parents’ retirement and treating farming and nonfarming heirs fairly need to be considered together. Nick helps organize the financial picture and coordinate with your attorney and tax adviser. Explore farm-transition planning in Northeast Iowa.
How do I plan for life beyond my business?
Your business finances and household goals are connected. Bring retirement savings, cash flow, protection and an eventual ownership transition into one conversation. See financial planning for small-business owners.
A family farm or small business can add another layer. Start with what is on your mind. Contact Nick or call 563-794-1859.
You Don't Have to Figure This Out Alone.
Whether you’re planning for retirement, sorting through tax questions, or trying to make a confident decision, I’m here to walk through it with you — at your pace