Jim Houghton, Wealth Management Advisor for Five Cities Financial, has built a successful fee-based planning team with a rather simple philosophy, we can tell you what you need to do, but we can’t make you do it. Jim and his team design individualized financial plans that provide you with flexibility and the opportunity to take action. Five Cities Financial has thrived because of Jim’s run-through-the-wall mentality for his clients. He intrinsically doesn’t want to let them down. In most cases, that is telling clients what they need to hear rather than what they want to hear. It’s the number one reason why the work of Five Cities Financial is valued by people considering retirement and people that are retired.

Five Cities Financial starts by learning goals and dreams of the people that come to their office. Then, they run a financial analysis of their current situation and design a plan to realize those goals and dreams. It’s an approach that has resonated with business owners and executives who have little time for fodder.

Professional Designations:

Retirement Income Certified Professional (RICP)

While many financial professionals are experts at wealth accumulation, there is an urgent demand for practical ways to structure effective retirement income plans. The risks clients face-economic and market uncertainty, inflation, outliving available income, changes in social safety nets, and rapidly escalating healthcare costs-mean financial professionals need all the latest thinking and techniques to serve their clients’ changing needs

Chartered Financial Consultant (ChFC®)

The Chartered Financial Consultant® (ChFC®) meets the advanced financial planning needs of individuals, professionals and small business owners with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.

Chartered Life Underwriter (CLU®)

The Chartered Life Underwriter® (CLU®) is the world's most respected designation of insurance expertise by providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients.

Chartered Advisor for Senior Living (CASL®)

More than 76 million baby boomers are quickly moving into retirement, and they need qualified retirement planning and income advice. Other designations provide a strong foundation for a broad range of financial planning concepts, but only the CASL® designation delivers the rigor and specialized knowledge to be truly effective in retirement planning.

The first thing, Wealth Management Advisor, David Kreiter tries to do is put himself in his client’s shoes. He’s not concerned with the style or brand of the shoe, but what that person’s world looks like if he were to be walking around in them. With 25 years of experience and almost 20 of those years as an investment specialist, David has seen it all economically, but he knows experience means nothing if he’s not focused on the goals of his clients.

Business owners, CPAs, attorneys, and executives trust David’s guidance because it’s built on a strategy to help them improve their financial position in the most efficient and effective manner.

Chartered Financial Consultant (ChFC®)

The Chartered Financial Consultant® (ChFC®) meets the advanced financial planning needs of individuals, professionals and small business owners with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.

Chartered Life Underwriter (CLU®)

The Chartered Life Underwriter® (CLU®) is the world's most respected designation of insurance expertise by providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients.

Eli McNall has been living in or around the Quad Cities all of his life. Born and raised in Aledo, IL and a graduate of Augustana College with Bachelors in Business Administration and Finance, Eli began his career as Plant Manager of Operations at a local manufacturing company. He was first introduced to Northwestern Mutual in 2011 as a policy owner. In May of 2016, Eli joined Northwestern Mutual and moved to Five Cities Financial in December of that year because of his desire to help individuals and families accomplish the financial goals they strive for. - Eli believes success is driven by self-belief and accountability. He partners with clients to see opportunities, create a plan to improve, implement, and sustain the plan to attain their goals together. Eli and his wife Ashley have three children: Braelyhn, Cohen, and Dawsyn, plus their two dogs a miniature dachshund Ella and standard poodle Mya. When not being a swim, football, basketball, or dance dad, Eli enjoys playing basketball, golfing, working on his yard, and spending evenings with friends and family around the fire enjoying good food and drinks.

As the team’s Investment Operations Specialist, Alex is the go-to for any service work on new and existing investment accounts for Five Cities. While getting his bachelor’s degree with a focus in finance at the University of Iowa, Alex started with Northwestern Mutual as a Financial Representative Intern in Coralville. He began his full-time career with NM after graduating in 2020, and in 2023, he joined the Five Cities Financial team. His experience working with different advisors and teams has made him accurate and efficient in servicing client’s accounts. Alex is originally from a small town in Southern Illinois but has called the Quad Cities home since high school. Outside of work, he enjoys staying active and playing sports as much as possible. He spends his weekends playing rugby and slow-pitch softball during the summer.

Matthew’s role at Five Cities Financial is to conduct and oversee all new and existing insurance service and operations. He began his career with Five Cities Financial in June of 2023. Matt has a Corporate Finance Degree from Olivet Nazarene University. With his degree he was able to take jobs in the tax world out of college. With that he was able to get a more wholistic approach to the financial health of an individual and see how life insurance will benefit them. Matthew is originally from Indianapolis, IN but moved to the Quad Cities with his wife, Hannah, in December of 2020. Outside the Office, Matthew enjoys spending time with his wife and daughter Olivia, going to church, being outside, going to the gym and learning new things. Matts family has grown even more in recent months after the birth of his son Elliott.

Steve is an investment specialist and analyst for Five Cities Financial. He helps David, Jim and Eli build investment strategies for clients and works with clients directly on their financial planning.

Steve joined Five Cities Financial in 2019. He has been a financial advisor for more than 25 years.

Steve is a passionate community organizer. Steve is a co-chair and a founder of our agencies annual Kinnick Derby Day, a board member for Empower House (a Five Cities Financial sponsored charity), a board member on the community advisory board for WQPT, and a board member of Hearts for Housing. Steve is also a past president of the Quad Cities Estate Planning Council. He volunteers and supports Pat’s Bandit’s Wildlife Rescue and Rehab. Steve enjoys golf, time with friends, is an avid cyclist and a live music enthusiast. On weekends, Steve is an active participant in a medieval combat group called Belegarth.

Alessandra’s role at Five Cities Financial is dedicated to overseeing all operations and strategy development. She began her career with Northwestern Mutual in 2018, and in 2021, she transitioned to Five Cities Financial.

Alessandra has extensive experience in providing outstanding customer service and is committed to presenting herself in a professional manner. Her friendly and open disposition allows for clients to communicate with her and the Five Cities Financial team easily and effectively.

Alessandra is originally from Chicago, IL but has been living permanently in the Quad Cities since she graduated from Augustana College in 2015. Outside of the office, Alessandra enjoys reading, cooking, golfing, and anything that challenges her to develop a new set of skills.

Tanner is the team’s Financial Planning Specialist. His responsibility is to put the pieces together to paint the picture of your financial future. Tanner’s background in advising gives him a strong foundation to make sure the details needed to provide a comprehensive financial plan aren’t being overlooked. Outside of work Tanner enjoys watching the English Premier League, spending time with his wife Laurie, and volunteers/serves on the board of a local non-profit known as Empower House QCA.  Tanner is originally from Des Moines, IA where he Graduated from Grand View University in 2019 and moved permanently to the Quad Cities in the summer of 2020. Tanner has been a part of our team since April of 2022.

Rachel’s role at Five Cities Financial is to assist clients in opening their new investment accounts and throughout their onboarding process. Her background in customer service and the financial industry has equipped her with strong communication skills and an eye for detail that helps her ensure a smooth experience for clients. Rachel is a Quad Cities native, born and raised in Rock Island. When not working, Rachel enjoys spending time with family, baking, and running. Rachel has taken it upon herself to really focus on growth in her role and has been showing great ambition in pursuit of her licensing exams. Rachel joined our team in June of 2024.