Terms & Conditions

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Change Course’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘Change Course’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is 5484 Dakota Drive, West Des Moines, Iowa. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

  • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
  • This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
  • All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
  • Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
  • From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
  • Your use of this website and any dispute arising out of such use of the website is subject to the laws of the United States.

Copyright Notice

This website and its content is copyright of Change Course – © 2022. All rights reserved.
Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

  • you may print or download to a local hard disk extracts for your personal and non-commercial use only
  • you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material.
Corporate Application Form

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Kim SmithBoard Member

Kim L. Smith grew up in the Des Moines area and has practiced law in West Des Moines for over 30 years. He also spent over 5 years with an international CPA firm. He is President of K. L. Smith, P.C., a successful law firm that handles tax planning and compliance, estate planning and documentation, and helps small businesses in planning and organization.

He and his wife, Carol, enjoy time with their 2 children and 3 grandchildren, who all live nearby. They also assist their parents, who also live in the area.

Kim is on the Board of Hope Ministries. He volunteers on the worship team at church also sharing his love of singing with local assisted living centers. He also enjoys playing tennis.

Ally Application

Thomas BudlerBoard Member

Tom Budler retired from the Berkshire Hathaway Energy Company family of businesses in February 2022 after 35 years of service. Tom worked for MidAmerican Energy Company for 25 of those years in various capacities including generation construction and operations, gas and electric operations, and wind generation development, construction, and operations. In 2012 Tom transitioned to BHE Renewables, LLC where he was responsible for growing its nationwide wind generation portfolio. In 2015 he also assumed additional responsibility to initiate, grow and manage BHE Renewables’ tax equity investment portfolio.

Tom has been married to his wife Cindy for 25 wonderful years and they reside in Norwalk, Iowa. He is a member of Valley Evangelical Free Church and volunteers regularly with the Hand-In-Hand Special Needs Ministry and the Valley Disaster Relief team.

Jerry & Nancy FosterBoard Members

Jerry and Nancy Foster have been married for 44 years and reside in Des Moines, Iowa. They have four children and numerous grandchildren.

Jerry is the founder of Foster Group, which is a wealth management firm, serving over 1,500 families and organizations. He is also the author of LifeFocus; Achieving a Life of Purpose and Influence. Nancy has dedicated her life to pouring into her family and mentoring women all over the world.

Together, Jerry and Nancy spoke with FamilyLife marriage conferences for over 22 years. They’ve also been involved in the development of a sustainable economic and personal development model in El Rosario, Guatemala with several other couples. They are passionate about helping change the paradigm for others and creating sustainable life change.

Karin JohnsonChange Course Director of Programs & Board Member

Karin and Joseph have been married for 42 years with four kids and six grandchildren. Karin was a gymnastics coach for 25 years with a passion to help young people achieve their goals through structure and hard work. Her love for the kids made her very successful in developing very competitive teams.

Responding to a conviction that the next generation of leaders needs to understand how to use the bible as their guide, Karin began teaching a weekly millennial generation bible study over 15 years ago which still continues today.

Using her gifts of teaching and mercy, Karin has counseled women and struggling marriages for many years after experiencing many challenges in her own family from marriage struggles to family member addiction, recovery, and incarceration.

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