Wings Financial Advisors:
Financial Advisor

Chad Kappler

Meet Chad.

Chad Kappler is a financial advisor with LPL Financial.

I started with Wings Financial Advisors six years ago with a passion to help credit union members pursue their financial goals and dreams. As a financial advisor, I strive to help my clients make smart financial decisions to ensure that they are on track to get to and through retirement. Wings Financial Advisors has been a great organization to help me do this successfully.

Both my wife, Caitlin, and I were born in South Dakota. We currently live in Bloomington where we enjoy exploring new restaurants, spending time with family and friends, and being outside as much as possible.

Schedule a Meeting with Us

Chad Kappler Headshot 480x480

Guided Wealth Portfolios.

Guided Wealth Portfolios empowers you to invest online with a low starting minimum and low-cost, exchange-traded funds (ETFs).  Unlike other online investment tools that typically require a large investment before granting access to a real-live Financial Advisor, Guided Wealth Portfolios gives you access for just a $5,000 initial investment.

Start Self-Investing with Chad

Woman at coffee shop looking at her phone while holding a coffee cup

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Ask me anything.

Is it more important to invest or pay down debt?
When it comes to paying down debt, I believe it does depend on what type of debt you are looking into. I believe that all unsecured debt (higher interest rate) should be paid off prior to investing. When it comes to lower interest rate debt (2-4%), such as a mortgage, investing instead may be more beneficial. Everybody’s situation is different, so this could change with certain circumstances.
How much risk is right for me and my family?
There is no set-in-stone answer on this question. Everybody’s needs and risk tolerance is different. This is something that also may change with certain life events that happen. This is where a financial advisor can be very beneficial. We can help clients create a strategy to make sure they are at their own acceptable risk tolerance.
Should I have stocks, bonds, or both?
I believe having the right mixture of both is key to receiving a desired outcome toward retirement age. It’s important to change the percentage in each product throughout a person’s lifetime as well. Younger individuals can handle more risk with having a larger percentage in stock/equity products. As the individual ages, bonds become a more conservative approach to preserve capital.

Guided Wealth Portfolios is a centrally managed investment program sponsored by LPL Financial LLC (LPL). GWP generates investment recommendations based upon model portfolios constructed by LPL. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL, LPL is not an affiliate of such advisor. LPL investment advisors are registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.

All investing involves risk including loss of principal.

No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as non-diversification, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.

An annual small account fee is applied to accounts with less than $10,000 invested.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Wings Financial Credit Union and Wings Financial Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Wings Financial Advisors, and may also be employees of Wings Financial Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Wings Financial Credit Union and Wings Financial Advisors. Securities and insurance offered through LPL or its affiliates are:

  • Not Insured by NCUA or Any Other Government Agency

  • Not Credit Union Guaranteed

  • Not Credit Union Deposits or Obligations

  • May Lose Value


Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit for more detailed information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

LPL Financial Form CRS