Kristy L. Hepper, CPA, CTFA, AFIM

Assistant Vice President/Trust Officer
700 East Sioux Ave, Pierre SD
(605) 224-9233
Kristy joined American Bank & Trust in 2014 after working nine years in a local trust department as a Trust Officer. She is located in our Pierre bank, and also travels to communities around Pierre by appointment. Kristy has worked in the financial services area for over 26 years. Prior to working in a trust department, she was a commercial lender at a local bank, and was a tax accountant for a local CPA firm.
Kristy’s goal is for her clients to achieve financial peace of mind, whether it is helping them make sure their estate plan is in order, helping them with their retirement planning, getting them invested in the right investment portfolio, serving as qualified intermediary for like-kind exchanges, or handling peoples’ estates after they are gone to name a few. She prides herself on her customer service with a smile.
Credentials:
- Bachelor’s degree from University of South Dakota School of Business, Major Accounting
- Certified Public Accountant (CPA)
- Certified Trust and Financial Advisor (CTFA)
- Accredited Fiduciary Investment Advisor (AFIM)
- Honors Graduate - Cannon Trust School
- Graduate - Cannon Investment Management School
- Active Permit to Practice- South Dakota Board of Accountancy
- Commercial Lending School Graduate
Community Involvement:
- City of Pierre Golf Board member
- Go Green and Clean Campaign volunteer
- Purple Reign Relay For Life team member
- Kiwanis Bowl-a-Thon team captain
- Junior Achievement volunteer
- American Bank & Trust Scholarship Committee member
Mark Sivertson

Sr. Vice President
200 E 10th Street, Suite 100
Sioux Falls SD
(605) 271-4008
Rosanne Krier

Vice President/Trust Officer
200 E 10th Street, Suite 100
Sioux Falls SD
(605) 271-4008
Jean Kassel

Trust Assistant
1820 Dakota Ave S, Huron
(605) 352-9122
Peggy Hotchkin

Trust Assistant
1820 Dakota Ave S, Huron
(605) 352-9122
Clayton R. Voegele - LPL Financial

Vice President: Investments, Wealth Management Specialist, Retirement Plan Consultant
1820 Dakota Ave S, Huron SD
(605) 352-9122
Clayton R. Voegele is the Investment Manager at American Bank & Trust. His main location is Huron, but is happy to travel to any of the bank’s locations to meet with a client. Clayton brings with him over 15 years of investment experience. He has earned certification as a Wealth Management Specialist and Retirement Plan Consultant. He is committed to maintaining a high level of knowledge and excellence to best serve our client's needs.
Credentials:
- Criminal Justice Major - Huron College
- Wealth Management Specialist - Kaplan College
- Retirement Plan Consultant Program - Raymond James Institute of Finance
- Licenses held include Series 7,24,63,65
- Registered for Securities in 25 states
Community Involvement:
- Day of Caring Board Member
- Huron Community Foundation Board Member
- Kiwanis Board Member
- Mount Olivet Church Sunday school teacher
Dawn Meink

Investment Assistant
1820 Dakota Ave S, Huron
(605) 352-9122