Our Team

Group photo 2019

Joe Kruse, CLU®, ChFC®, CFP®, AEP®

Financial Adviser and President

Joe Kruse (CA Insurance License #0E46228) is the Owner, Founder and President of Kruse Financial Group. Joe has been working in the financial services business since June of 1988 giving more than 30 years of experience to his clients. As president of Kruse Financial Group, Joe and his team are committed to helping clients succeed in planning their goals across a broad range of financial planning and wealth management needs.

Specializing in working with business owners, farmers, ranchers and high net worth families, Joe brings particular specialization in Business Succession Planning, Estate Planning, Retirement Income Planning and Insurance Design.

Joe has earned numerous industry and company achievements. He is a life and qualifying member of The Million Dollar Round Table (MDRT)* and consistently a MDRT Top of the Table producer.

Joe earned a bachelor's degree from Westmar College in 1986 with a double major in Finance and Business Management. During his years at Westmar, he was a member of the football team and holds the honor of being the school's all-time leading tackler. Continuing his education, Joe earned his Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®) in 1996, Certified Financial Planner (CFP®) in 1999, and the AEP® 2013.

Joe is active in both his community and industry organizations. He is currently the Chair of the Siouxland Chamber of Commerce Board of Directors.  He also servers on the Sioux Gateway Airport Board of Trustees.  Joe is a current member and Past President of both the Siouxland Estate Planning Council and the Siouxland Chapter of NAIFA.  Previously, he was a Board member of the Siouxland Trails Foundation and the Sunrise Retirement Community Board as well as a member of the Association for Advanced Life Underwriting (AALU).

He and his wife Renee have three children, Nicole, Tyler and Cory and are grandparents to Emery and Rowan.

As an instrument rated pilot, he shares his love of flying with family, clients and children of the local Young Eagles program.

*The Million Dollar Roundtable (MDRT), the Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

Tyler Kruse, CFP®, ChFC®

Financial Adviser and Partner

Tyler has been working with Kruse Financial Group since December 2014 as a Financial Adviser*. He graduated from the University of Nebraska at Lincoln in 2014 with a Bachelor’s of Science degree in Biological Systems Engineering with an emphasis in Biomedical Engineering.

Tyler is committed to continuing his education to be able to further assist his clients in their financial planning. Tyler obtained his CFP® designation in 2019 and his ChFC® designation in 2020. Tyler holds the FINRA Series 7 and 66 Securities Licenses as well as licenses for life, and health insurance.

Tyler believes that it is important to be involved and give back to the community. Tyler has a passion for helping people which is shown through his work with Big Brothers Big Sisters of Siouxland, and the North Sioux City Fire Department. Tyler has been involved with Big Brothers Big Sisters since 2015 by participating in the program as a ‘Big’ as well as serving as the Vice-Chairman on the Board of Directors. Tyler is a Certified Fire Fighter and EMT for the North Sioux City Fire Department. He was also promoted to Captain and serves as the President on the Board of Directors. Other causes and organizations that Tyler supports and is involved in include: The St. Florian Burn Foundation, Sioux City Growth Organization, and St. Jude’s Children’s Hospital.

Tyler enjoys spending time with friends and family, which may include a relaxing day on the water or an exciting day on the slopes. Tyler believes that building relationships is one of the most important things you can do, therefore he is committed to working with our clients to help them succeed in their financial planning goals.


Zachary Starostka

Registered Representative

Zachary has been working with Kruse Financial Group since February of 2020 as an insurance producer.  He graduated from the University of Nebraska-Kearney in 2013 with a Bachelor’s of Science degree in Construction Management.  He was also a member of the UNK wrestling team and during his tenure, they were national champions.

Prior to joining Kruse Financial Group, he was a project manager for Strobel Starostka Construction out of Clarks, Nebraska, working around the country on oil and gas projects. Following that, he worked as a project manager for Starostka Group in Grand Island, Nebraska, running heavy/civil projects around Nebraska.  His passion for working with people and finance led him to his new career. 

Zachary currently holds licenses for life and health and his FINRA Series 7 and 66 Licenses for Nebraska and South Dakota.  He and his wife Natalie have two sons and enjoy spending their free time with family and friends at the lake.  Zach also enjoys building computers and competing in any sport available.

With his previous professional background and his wrestling career as a foundation, Zachary knows the importance of budgeting, asset protection, proactive planning and always striving for excellence with his clients.  Success can be stifled without a good plan in place, and he is committed to getting clients on the right path and keeping them on track to achieve their financial goals.

Margaret Headshot

Margaret Wood

Client Services Manager

Margaret is a licensed service assistant who joined Kruse Financial Group in July 2018.  She has 20 years of business experience mostly in the human resource function. Margaret holds her life and health license and is available to assist clients with any service questions.  Along with greeting our clients, she also supports our agents during the application & underwriting process for all life and annuities.

When Margaret is not at work she enjoys being outside and helping on the family farm near Salix, IA with her husband Ron.

Kristin Beswick

Office Manager

Kristin’s organizational skills and attention to detail help her assist Joe and Tyler by coordinating administrative functions and facilitating workflow. Since joining Kruse Financial Group in May of 2008, Kristin has served in many roles for the team. She currently she manages daily operations of the office and coordinates marketing efforts and special events.

Originally from Cedar Rapids, Iowa, she currently resides in Dakota Dunes with her husband, Brent, and their three kids. Kristin remains actively involved with the Junior League of Sioux City and other community volunteer organizations.


Renee Kruse

Financial Controller

Renee is the Financial Controller for Kruse Financial Group. With this role, she manages the Accounting and Human Resources components of the business to ensure everything runs efficiently behind the scenes.

Renee is a Sioux City native. She graduated from the University of Iowa with a Business Management degree. While at the University of Iowa, she ran Cross Country and both indoor and outdoor track. Away from the office, Renee cultivates a love of exercise, reading, and the outdoors. Renee and husband Joe have three children, Nicole, Tyler, and Cory and are grandparents to Emery.




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