David Heine

The Financial Planning Co. exists to improve financial lives. We commonly work with people with retirement planning, notably investment management and income planning. Whether through finding previously unknown opportunities for clients or figuring out how much is enough for those who’re ready to step away or establishing financial ground rules for increasing the odds of success, FPC works hand-in-hand with clients on their way to financial independence. We believe that plans rarely work but planning does. Luke DeBoer has a long history of guiding individuals, families, and corporations in multiple facets of financial planning, including investing, retirement planning, insurance, & employer benefits consulting. To support these efforts, Luke is a CERTIFIED FINANCIAL PLANNER™ professional, completed the Certified Benefits Professional program, and holds an MBA with a concentration in Tax from the Carlson School of Management at the University of Minnesota. His professional career includes time at Fidelity Investments as a consultant, leading the financial wellbeing efforts for Delta Air Lines and for UnitedHealth Group, and as a Sr. Relationship Manager at Optum Bank, specializing in HSA’s and their relationship with retirement savings. Luke is married to Gina DeBoer and they have 5 children (Isabella, Veda, Judah, Lucia, Amelia), ages 6-15. They are members at Oakwood Community Church in Waconia. Luke also serves as a Board Member and the Treasurer of the Waconia public school district. Luke is a native Minnesotan, having grown up in the Elk River area.

Ryan Flaten is Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2016 and assumed his current role in 2018. He is a CERTIFIED FINANCIAL PLANNER™ professional who focuses on building one-on-one relationships with clients to assist them in pursuing their financial goals. Ryan brings over a decade of experience in financial consulting, including previous roles as a Retirement Income Specialist and Financial Consultant at Ameriprise Financial from 2011 to 2016. His planning process aims to provide clients with confidence as they take steps in their financial journey. Outside of his professional work, Ryan enjoys boating, family activities, fishing, music, outdoor adventures, and reading.