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Trusts & Estate Planning

The Trust Advantage | What We DoAccuNet OnlineMeet Our Experts 

The Trust Advantage

Trust services are not about sales, they’re about solutions. We have a fiduciary responsibility to our clients, which means we must perform within the guidelines of trust law, agency law, banking law, securities law, and contract law, which together delineate required conduct. Clients who have an investment consultant who is a fiduciary receive investment advice with accountability, which is based on the highest standards.

Our goal is your long-term success, as you define it.

The peace of mind that accompanies having this focus and responsibility working for you is significant; and, the more complex or substantive your assets are, the more critical this dimension becomes for your wishes to be accurately and effectively carried out.

Whatever your goals, our experienced Trust team is uniquely qualified to provide the personalized guidance and financial solutions to meet your specific needs.

What We Do

Professional Investment Management

As your money manager – acting for a Trust, Estate or even a personal account – we are committed to helping you reach your long-term financial goals. We have the knowledge, resources, and experience to make prudent and unbiased decisions in even the most complex situations, in order to determine the best course of action for your account.

Estate Planning

As a member of your estate planning team, we will coordinate efforts with your attorney, accountant and any other professional with a goal of minimizing taxes and implementing a plan to protect your interests.

Custodial Services

As your custodian, we’ll safe-keep your securities, collect dividends and interest, and relieve you of time-consuming recordkeeping chores. If you choose, we can also handle your distributions, and report on your account’s activity and performance.

Meet Our Experts Call or Stop In


Your AccuNet Account

AccuNet offers online access to your Trust Services.

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Meet our Experts

Pam Goedken

Pam Goedken

VP, Senior Trust Officer
Phone: 319-730-7008
Email Pam

This email is not secure. Please do not include sensitive financial information.

Pam has been in the financial services industry since 1986, with most of those years spent in personal trust services, retirement, and investments. Prior to joining FSB, she served as Vice President, Fiduciary and Investment Trust Manager of the $1 billion Trust Department at American Trust & Savings Bank in Dubuque.

Pam graduated from Upper Iowa University with a B.S. Degree in Business, and currently resides in Dyersville with her husband and 4 children.

Chad Fesler

Chad Fesler

Trust Officer
Phone: 319-730-7017
Email Chad

This email is not secure. Please do not include sensitive financial information.

Chad has been in the banking, insurance and financial services industry since 2004, with most of those years in financial planning and investments. Prior to joining FSB, Chad was part of a wealth management group for one of the largest banks in the world.



Dianne Wendel

Trust Associate
Phone: 319-730-6889 

Email Dianne

This email is not secure, please do not include sensitive financial information.

Dianne assists with administration of trusts and estates. She supports investment operations and provides guidance on the operational processing and recordkeeping of the Trust Department. She has a bachelor's degree in Business Administration from Mt. Mercy College. She has worked in Wealth Management (Trust & Private Banking) since 1993.


Kari Clothier

Trust Assistant
Phone: 319-730-6864 

Email Kari

This email is not secure, please do not include sensitive financial information.

Kari processes payments, reconciles statements, maintains records and uses her strong attention to detail and organization skills to keep everything running efficiently for clients. She has a Bachelor’s degree from Cornell College. Kari has been in banking since 2012. She was an Assistant Branch Manager with another bank and a Personal Banker at FSB since 2015. 


Products provided by FSB's Trust Division are not insured by the FDIC; are not deposits or other obligations of the bank, are not guaranteed by this institution; and are subject to investment risks, including the possible loss of the principal invested.


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