Biography

Belen Krabbe is  a Holistic Planner and Financial Adviosr as well as the President and owner of Franklin Financial Services. 

Belen joined the financial services industry in 1984 as a secretary for Equitable Life of Iowa.  Within one year, she was offered an opportunity to enter the sales force and became the rookie of the year.  Throughout her career, Belen purposed to provide quality services to her clients by increasing her education.  She has earned six designations  through the American College, and hold six designations including a CAP, CLU, ChFC, CASL, RHU, REBC, and LUTCF from the National Association of Life Underwritiers.  She is a Certified Financial Fiduciary through the National CFF Association, and also a member of the Ed Slott Elite IRA Advisor group. She is also a Certified Bucket Plan Advisor using the Best Interest Process.

Belen makes it her business to help people live secure financial lives that have a happy ending.  She believes in challenging the traditional status quo insurance and investment office by thinking differently.  "I believe the et worth of a person is much more than a dollar sign at the bottom of a balance sheet".  Belen utilizes simple and state of the art tools to create an easy to understand plan that brings clarity and vision for a life well lived.  "I also believe that when all is said and done, people want to know they have lived a life of significance and have made a difference.  The plans made today can affect hundrewds of descendants and the world." 

Belen is the president of the North Iowa Chapter of AFEA. She is actively involved with the Hampton Kiwanis Club, Hampton Center One, (NIALU) North Iowa Area Life Underwriters,and Compro Casas, LLC...a company that "buys ugly houses and restores them so people have a safe and healthy place to live."  Belen is also a financial coach and President of the North Central Iowa chapter for Council of Financial Educators.

Belen is married to Paul Krabbe and has a blended family of five children, Tamara, Rachael, Michael, Christopher, and Matthew, and 10 grandchildren.  She enjoys traveling, cooking, flower gardening, reading, and spending quality time with her family.  She also believes in giving of her time by traveling on mission trips around the world, and crocheting prayer shawls

The ChFC (Certified Financial Consultant) designation is granted by The American College.  A ChFC candidate must successfully complete the program which requires the candidate to: Complete seven required courses, complete two elective courses, complete three years of full-time business experiance and agree to comply with the The American College Code of Ethics and Procedures as well as complete ongoing continuing education.

The LUTCF (Life Underwriting Training Council Fellow) designation is granted by the The National Association of Insurrance and Financial Advisors.  A LUTCF candidate must successfully complete the program which requires the candidate to: Complete three required courses, agree to comply with NAIFA's Code of Ethics and Procedures and to complete ongoing continuing education requirements.

The CLU®   designation of the oldest and most respected credentials in financial services, dating back to the late 1920's.  It represents a thorough understanding of a broad array of personal risk management and life insurance planning issues and stresses ethics, professionalism, and in-depth knowledge in the delivery of financial advice.  CLU®  candidates must complete eight college-level courses, five required and three electives.  The required courses include Fundamentals of Insurance Planning, Individual Life Insurance, Life Insurance Law, Fundamentals of Estatae Planning, and Planning for Business Owners and Professionals.  Electives topics cover financial planning, health insurance, income taxation, group benefits, investments, and retirement planning.

CASL®  is a rigorous credential in the senior and retirement planning space, with curriculum that covers wealth accumulation, income distribution, and estate planning for those preparing for or in retirement.  Advisors taking this program commit between 250 and 300 hours of study and take about 18 months to complete the designation.  The CASL®  requires five college-level courses.  Understanding the Older Client, Health and Long-Term Care Financing for Seniors, Financial Decisions for Retirement, Investments and Fundamentals of Estate Planning.

The RHU® designation is one of the few credentials focused exclusively on health insurance, incorporating aspects of both group and individual programs.  The curriculm covers the most current information on a full range of benefits laws, including COBRA, ERISA, HIPAA.  RHU® candidates must complete three college-level courses, two required and one elective.  The required courses are Group Benefits and Advanced Topics in Group Benefits.  Elective topics cover individual health insurance and managed care.

The REBC®  designation is designed for specialists in the complex field of employee benefits.  The program covers pensions, retirement plan funding, group medical plans, long-term care, executive compensation, personnel management, and other benefit programs.  REBC®  candidates must complete five college-level courses, three required and two electives.  The required courses are Group Benefits, Planning for Retirement Needs, and Advanced Topics.  Elective courses executive compensation, personnel management, and managed care.

The Chartered Advisor in Phalanthropy (CAP)®  is a designation issued by the American College.  Courses provide insight into philanthropic planning and provides knowledge to help client articulate and advance their highest aspirations for self, family, and society.  Cap®  holders sucessfully complete all three courses (Planning for Impacet in Context of Family Wealth, Charitable Giving Strategies, and Gift Planning in a Nonprofit Context) and agree to comply with The American College of Financial Services Cofe of Ethics and Procedures.