Articles

Courage is most often thought of in relation to tales of bravery and heroism. But courage is a trait that transcends all aspects of our personal and professional lives. It serves as a catalyst for gro...

Required Minimum Distributions (RMDs) are amounts that the federal government requires you to withdraw annually from certain tax-deferred retirement accounts. These accounts are called tax-deferred fo...

Adapted from Broadridge Communication Services You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you&#8217...

Team News and Honors This spring and summer have been full of celebrations for the HTC team.   Amy Remmick (RS Operations and Compliance) and family celebrated their daughter Emily’s wedding in...

Amy Remmick, Retirement Services Operations and Compliance, has been at HTC for two years. She enjoys going on new adventures with her family. And, she has a never-goes-wrong recipe to share. Tell us ...

In 1974 Congress passed the Employee Retirement Income Security Act (ERISA) which governs 401(k) plans. It requires any private employer that establishes and maintains a 401(k) plan to meet certain st...

The recent news of Silicon Valley Bank (SVB) and Signature Bank failures should not be too surprising to anyone who understands the timelines and the ways they were conducting their business. SVB and ...

Adapted from Broadridge Investor Communication Services  Everyone wants to retire comfortably when the time comes. We may also want to help our children go to college. So how do you juggle the two? T...

In the modern world, personal information is an increasingly valuable asset. It is a key target for cybercriminals and hackers, who can use this information to commit identity theft, fraud, and other ...

We have celebrated two promotions this year. Jana Samek was promoted to Vice President/Director of Retirement Services. Dustin Sobolik was promoted to Vice President/Director of Investments. Congratul...

Maureen Jelinek joined Heartland in December as our Executive Vice President / Chief Operating Officer. She has already become a cherished team member. She has extensive experiences in the financial i...

Roth in Retirement Accounts “What’s the difference between pre-tax and Roth?” This is one of the most common questions I receive when working with employees enrolling in a 401(k) plan. The decis...