Terms and Conditions

Last Updated: November 13, 2026


Welcome to the Etzel Financial Resources website. These Terms & Conditions ("Terms") govern your use of www.etzelfinancialresources.com (the "Website") and the text messaging program offered by Etzel Financial Resources ("we," "us," or "our"). By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.


1. About Our Website

Etzel Financial Resources is a financial planning practice with offices in Urbandale and Clear Lake, Iowa, serving the Des Moines metro and North Iowa lakes areas. The Website provides information about our services, including:

  • Financial Planning
  • Investment and Wealth Management
  • Financial Advice for Business Owners and Business Exit Planning
  • Insurance Analysis and Consulting
  • Charitable Giving and Estate Planning
  • Company Retirement Plans
  • Endowments and Foundations
  • Virtual Family Office


Investment Advisor Representative of and investment advisory services offered through Independent Wealth Network, Inc., a SEC Registered Investment Advisor. Etzel Financial Resources is not affiliated with Independent Wealth Network, Inc. Form ADV Part 2 and FINRA BrokerCheck information are available as referenced on the Website.


2. Informational Purposes Only

Information presented on the Website is for general informational purposes only. It is not investment, tax, or legal advice, and it is not an offer or solicitation to buy or sell any security. Etzel Financial Resources does not offer legal or tax advice. Investments involve risk, including the possible loss of principal, and past performance does not guarantee future results.

Using the Website, submitting a contact form, or sending or receiving a text message does not create an advisory relationship. An advisory relationship is established only through a signed written agreement.

Our representatives may only conduct business with residents of the states in which they are properly registered. Responses to persons in other states may be delayed until registration is obtained or an exemption is determined. Not all services are available in every state.


3. Account Access and Third-Party Services

The Website links to account access pages operated by third-party custodians, such as Charles Schwab and TIAA. Your use of those services is subject to the provider's own terms and privacy practices. You are responsible for keeping your login credentials confidential.


4. Acceptable Use

When using the Website, you agree not to:

  • Use the Website for any unlawful purpose
  • Submit false or misleading information
  • Attempt to gain unauthorized access to the Website or related systems
  • Interfere with or disrupt the operation or security of the Website
  • Copy, scrape, or reproduce Website content for commercial use without our written permission


5. SMS Terms of Service

  1. When you opt-in to the service, we will send you a message to confirm your signup. By opting into this service you can expect to receive responses to your inquiries, meeting confirmations and reminders, document reminders, and service-related updates from Etzel Financial Resources! Message and data rates may apply. Message frequency varies. Text "HELP" for help. Text "STOP" to cancel.
  2. You can cancel this service at any time. Just text "STOP" to opt out. After you send the message "STOP" to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again.
  3. If at any time you forget what keywords are supported, just text "HELP". After you send the message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
  4. Carriers are not liable for delayed or undelivered messages.
  5. For all questions about the services provided by this number, you can send an email to setzel@etzelfinancialresources.com or call 515-490-6831.
  6. Consent to receive text messages is not a condition of purchasing any goods or services. You may opt in by providing your mobile phone number and checking the optional SMS consent checkbox on our contact form.
  7. Our text messages will never ask for Social Security numbers, account numbers, or passwords. Please do not send sensitive financial information or trade instructions by text message. Text messages may be retained and reviewed as required by regulation.


Text messaging opt-in data and consent will not be shared with any third parties. If you have any questions regarding privacy, please read our Privacy Policy.


6. Intellectual Property

The Website and its content, including text, graphics, logos, and design, are owned by or licensed to Etzel Financial Resources and are protected by applicable intellectual property laws. You may view and print Website content for personal, non-commercial use only.


7. Third-Party Links

The Website may contain links to third-party websites, including custodians and FINRA BrokerCheck. We are not responsible for the content, policies, or practices of third-party websites.


8. Disclaimer of Warranties

The Website and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We do not guarantee that the Website will be uninterrupted, error-free, or that its content is complete or current.


9. Limitation of Liability

To the fullest extent permitted by law, Etzel Financial Resources will not be liable for any indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Website or its content.


10. Governing Law

These Terms are governed by the laws of the State of Iowa, without regard to its conflict-of-law principles.


11. Changes to these Terms

We may change these Terms from time to time. If we make changes, we will revise the "Last Updated" date at the top of these Terms. Continued use of the Website after changes are posted means you accept the revised Terms.


12. Contact Us

If you have any questions about these Terms, please contact us:

  • Etzel Financial Resources
  • Urbandale Office: 2350 NW 128th Street, Urbandale, Iowa 50323
  • Clear Lake Office: 29 Lido Road, Clear Lake, Iowa 50428
  • Phone: 515-490-6831
  • Email: setzel@etzelfinancialresources.com