Articles

As you read this quarter’s newsletter, you will notice many exciting changes going on at Heartland Trust. After 31 years leading the operations, compliance, and HR departments at Heartland, Sheryl B...

If you’re considering a job change, salary is one important factor. But it’s also vital to look past the salary and study the total benefits package. Benefits offered by employers can vary greatly...

Whether you have a last will and testament or not, your estate may have to go through the probate process. Probate is the legal process to administer and settle the estate of an individual who has pas...

  Sheryl Bernier retired after 31 years at Heartland Trust Company. Sheryl was employee #2 at Heartland and with Steve Halverson created North Dakota’s first independent trust company. We will ...

Kari Skauge is the new kid on the block at Heartland Trust. She came onboard this quarter as our compliance officer. We are very glad to have her. Tell us about yourself I grew up in Hawley, Minnesota...

Adapted from Broadridge Investor Communication Services If you give away money or property during your life, those transfers may be subject to federal gift and estate tax and perhaps state gift tax. T...

Spring is a wonderful time of year. Snow melts, flowers bloom, docks, and boats are placed in the water. This is the time of year when we see the cold bareness of winter transition into the long warm ...

As many of our readers likely know, the Federal government provides strong incentives for saving for retirement and other financial goals. You can break these down into three broad categories: tax ded...

Every six years the Internal Revenue Service (IRS) requires certain qualified retirement plans to be fully amended and restated to comply with law changes. The Cycle 3 Defined Contribution (DC) Plan R...

Naomi is a native of Garrison, North Dakota, and she has called Fargo home since 2002. She works on the trust side of HTC and has been a welcome addition to our team. Tell us about yourself. I receive...

Adapted from Broadridge Investor Communication Services If you care about what happens to your money, home, and other property after you die, you need to do some estate planning. There are many tools ...

We have all been confronted with challenges over the past 10 months.  Whether we needed to find a new way to complete a familiar task or wrestled internally with some difficult questions, this pandem...