Meet our knowledgeable professionals:

Deborah Gertsen headshot
Deborah Gertsen
Senior Vice President
Located at Downtown Cedar Rapids Bank & Trust Company Branch
Deborah J.L. Gertsen serves as Senior Vice President of Investments at Cedar Rapids Investment Consulting and as a LPL Financial Consultant. In September 2003, Deb joined Cedar Rapids Investment Consulting, in conjunction with Cedar Rapids Bank & Trust, and offers her clients nearly 40 years of experience in the financial services industry. Deb uses a comprehensive wealth management approach that considers investments, taxes, insurance, wealth transfer, etc. to help each client develop and implement a plan to pursue his/her financial goals. Deb provides overall investment management, retirement planning, including accumulation and distribution, and estate planning.

Deb is active in the Cedar Rapids community. She is a board member for the Student Investment Advisory at Coe College, a trustee for Horizons, as well as a board member and serves on multiple committees for United Way. Deb is also the board treasurer (previously chair) for the Meth-Wick Community and board chair for Kirkwood Community College Alumni and Friends Council.
Scott Overland headshot
Scott Overland
Vice President, Investments
Located at Downtown Cedar Rapids Bank & Trust Company Branch
Scott Overland serves as Vice President of Investments at Cedar Rapids Investment Consulting. He is a graduate of Luther College in Decorah, Iowa, and a 34 year veteran of the financial services industry. Prior to joining Cedar Rapids Investment Consulting in 2010, Scott most recently served as an Investment Advisor with Raymond James Financial Services. Scott is committed to helping his clients plan for their financial future.

Scott utilizes a total wealth management approach that considers investments, taxes, insurance, wealth transfer, etc. He helps each client develop and implement a plan to meet his/her short and long-term financial goals. He also provides overall investment management, retirement planning, including accumulation and distribution, estate planning, and 401k consulting.

Scott currently serves on the Cedar Rapids City Council, and is also involved with Indian Creek Nature Center and Daybreak Rotary.
Joana Karl 21 Web
Joana Karl
Financial Advisor, Officer
Located at Downtown Cedar Rapids Bank & Trust Company Branch
As a Financial Advisor at Cedar Rapids Bank & Trust, Joana is responsible for helping clients achieve their financial goals and objectives through one-on-one consultations. Joana uses a comprehensive wealth management approach that considers her clients individual financial needs and goals. This is accomplished by determining client’s investment time horizon and risk tolerance. Joana joined CRBT in 2021 and has over 15 years of financial industry experience. Joana graduated from Mount Mercy University with a bachelor’s degree in finance.

Joana is actively involved in the community and serves on the executive committee as board secretary of both the Cedar Rapids Museum of Arts and NewBo City market and serves on the alumni board for Mount Mercy University. Joana has previously volunteered her time on the social justice committee of St. Elizabeth Ann Seton, as a BIG with Big Brother’s Big Sisters, and provided childcare through YPN.

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


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. Cedar Rapids Bank & Trust and Cedar Rapids Investment Consulting are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Cedar Rapids Investment Consulting, and may also be employees of Cedar Rapids Bank & Trust. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Cedar Rapids Bank & Trust or Cedar Rapids Investment Consulting. Securities and insurance offered through LPL or its affiliates are:

Not insured by FDIC or any other government agency | Not bank guaranteed | Not bank deposit or obligations | May lose value

Cedar Rapids Bank and Trust and Cedar Rapids Investment Consulting are not registered broker/dealers and are not affiliated with LPL Financial. The LPL Financial registered representatives associated with this site may only discuss and/or transact business within the following states: AK, AZ, CA, CO, DC, FL, GA, IA, IL, KS, KY, MA, MD, MI, MN, MO, MT, NC, NH, NJ, NV, NY, OH, OR, TN, TX, VA, WA, WI