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Sticker Shock: Creative Ways to Lower the Cost of College
Even with all of your savvy college shopping and research about financial aid, college costs maystill be prohibitive. At these prices, you expect you’ll need to make substantial financialsacrifi...
Practical Investment Considerations for Nonprofit Foundations and Endowment
Full disclaimer: this article is not all encompassing. You could write a long book on foundation and endowment investment management. This is a collection of thoughts and opinions about what I think f...
HTC Team News and Honors
Our team had a Kentucky Derby party in May. Gary Hanson received a prize for bestdressed and Lori Theis received one for best fascinator (hat). Several employees attended the FMWF Chamber event featur...
Meet Abby Kruse
Meet Abby Kruse Abby Kruse is a local high school English teacher who helps with projects around the office thissummer. She and Ethan Linder, Administrative Associate – Personal Trusts, are plannin...
Lifetime Income Disclosure Regulation
Your 401(k) plan statement will look different in the near future. Why? A new regulation included in theSECURE Act, which was passed in December 2019, amended Section 105 of the Employee RetirementInc...
Living For Today, Planning For The Future
Too often, the words “planning for your future” lead only to a conversation about retirement. In reality, the challenge we all face is balancing how to meet long-term financial goals with today’...
Planning for Earned Income in Retirement Adapted from Broadridge Investor Communication Services
Adapted from Broadridge Investor Communication Services If you’re like a lot of people, retirement won’t be the world of gardening, golfing, traveling, and tennis you once envisioned. Rather, ...
Is a Trust Right For You?
We have all heard the horror stories about families being torn apart after their parents pass away. Brothers, sisters, and long-lost family members who have spent years in court fighting over land, mo...
HTC Team News and Honors
Jennifer Johnston and Missy Zarak attended the Lady Boss retreat in Nisswa, Minnesota, in early March. Ethan Linder, Jennifer Johnston, Kevin Wangen and Lori Theis participated in the annual Bowling f...
Meet Kevin Wangen
Meet Kevin Wangen Kevin Wangen is the wealth management associate at HTC. He holds a finance degree from North Dakota State University, from where he graduated on the same day he got married. Tell us ...
What is My Net Worth?
You probably know what net worth means, but do you know what your net worth is? Knowing this number can help you get a better picture of your financial situation. Remember: this number represents one ...
Finding Balance
Brian Halverson – President When you match a strong work ethic with a society that doesn’t promote balance, a person can get lost in the day-to-day grind of trying to keep up. Without balance,...