By Brian Halverson, President/CEO

By Brian Halverson, President/CEO

As the holiday season approaches and the year draws to a close, it’s the perfect time to reflect on the things that matter most. At Heartland Trust Company, we are overwhelmed with gratitude for our dedicated employees and loyal clients. Our journey wouldn’t be the same without you, and we want to take a moment to celebrate and express our heartfelt thanks.

Our Exceptional Team

At the heart of any successful organization is an exceptional team. Our employees are not just cogs in the machine; they are the lifeblood of our company. Their passion, hard work, and unwavering dedication continue to push us forward. This year has presented us with unprecedented challenges, but our team has risen to the occasion.

We are thankful for our employees who have shown outstanding teamwork, creativity, and adaptability. Each day, you bring your unique skills and experiences to the table, contributing to our collective growth and success. Your tireless efforts and commitment have allowed us to weather the storms and continue to thrive.

Our Valued Clients

Our clients are the reason we do what we do. Your trust in our services and products is the foundation of our success. We are grateful for the relationships we have built with each and every one of you. Your feedback and loyalty have enabled us to grow and improve, and for that, we are truly thankful.

This year, with our change in custodians for many of our accounts, has been a testament to the strength of our client partnerships. Your understanding of the why behind what we do has been invaluable. We appreciate the opportunity to serve you and are committed to consistently exceeding your expectations.

This holiday season, let’s remember the importance of gratitude and the power of community. Thank you all for making this year special for Heartland Trust Company.

Wishing you a joyful and gratitude-filled holiday season.

Heartland TrustThankful
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HTC Team News and Honors

Employee Highlights

We will be celebrating the holidays and you’re invited to join us. Our Holiday Open House will be held from 3-6 p.m. Thursday, December 7, at the Avalon Events Center, 2525 9th Ave. S., Fargo. Hors d’oeuvres, desserts, wine, and beer will be served.

Two of our team members celebrate milestone birthdays this quarter. Kayla Kranda, our Director of Operations, turned 40 in October and Brian Halverson, our President and CEO, turns 40 in November. Happy birthday! 

Heartland Trust sponsored and decorated two trees for the 23rd annual Fraser, Ltd. Festival of Trees. This event supports programs for local children, youth, and adults on their life’s journey towards independence.

Steve Halverson, Chairman of the Heartland Trust Board, was recognized for his service on the Fargo-Moorhead-West Fargo Chamber of Commerce’s board of directors. Steve served on the board from 2017-23. It is the governing body for The Chamber and is comprised of 19 business and community leaders.

Heartland TrustHTC Team News and Honors
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Meet Barb Hilde

Barb Hilde

Barb Hilde

Barb Hilde joined Heartland Trust Company in September as our Administrative Associate.  She has been a great addition to our team, and we can’t wait to try her Ham and Cheese Sliders with Eggs.

Tell us about yourself.

I was born and raised in Grafton, North Dakota, and still enjoy going back to visit family and friends. I attended Mayville State College for two years and moved back “home” where I began my banking career. I moved to Fargo in 1988 and continued working in banking and in the mortgage area. I currently live in Moorhead with my husband, Jeff. I have two stepchildren, Samantha and Spencer, and we have three fun grandchildren, Christian, Jaxon, and Willa.

What do you like to do in your spare time?

I enjoy cooking and trying new recipes, shopping, watching sports, and doing anything with family and friends. You can find us at Big Cormorant Lake in the summer, and on the cold winter days I like to do puzzles.

Tell us about your favorite life experience.

 My favorite life experience was a two-week family vacation to the East Coast. We saw many sights along the way and experienced many of the historical memorials and monuments in Washington, D.C. We also traveled to Niagara Falls, which was beautiful. We saw too many things to mention. I also had an opportunity to travel to Spain with a friend which was a trip I will always remember.

What is your favorite movie/play/book?            

Some of my favorite movies are Grease, Pretty Woman and Dirty Dancing. They are oldies but goodies.

I am not a huge book reader, but I did really enjoy the Hunger Games series.

What was the first car you owned?

The first car I owned was a 1980 Red Buick Regal.  I thought it was such a neat looking car, and I remember being so happy that I bought my own car.

If you could meet one person, dead or alive, who would it be and why? 

Princess Diana. She always appeared to have a shyness about her, but I was intrigued by her gracefulness, compassion, and charisma. I would love to hear what she had to say about living life as a “royal.”

How long have you been at Heartland Trust?

I have been at Heartland Trust since September 18, 2023.

What is your favorite part about working at Heartland Trust?

The people I work with. Everyone has been so kind and welcoming.  Everyone works hard but they also like to have fun, which makes it an enjoyable place to work.

Do you have a favorite recipe you would like to share?

Ham and Cheese Sliders with eggs are a favorite for breakfast/brunch at the lake or when hosting family and they are easy to make.

Ham and Cheese Sliders with Eggs


Deli Ham, Hawaiian Rolls, American Cheese, Eggs, Butter, Poppy Seeds (optional)

  • Preheat the oven to 350 degrees.
  • Coat a 9×13 baking dish with 1 tablespoon of butter.
  • Next, slice the rolls in half lengthwise and lay the bottoms on the baking dish.
  • Place an even layer of ham over the buns in the baking dish.
  • In a skillet over medium heat, scramble the eggs with 1 tablespoon. of butter, and layer over the ham.
  • Cover the eggs with American cheese and put the bun tops on.
  • Melt the remaining two tablespoons of butter and brush on the tops of the buns. Sprinkle with poppy seeds if desired.
  • Heat in the oven 15-20 minutes or until heated through.
  • Enjoy!

Heartland TrustMeet Barb Hilde
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A Message of Thanksgiving

By Maureen Jelinek, COO

By Maureen Jelinek, COO

In light of the global events surrounding us, it’s crucial to pause and contemplate the blessings in our lives. Looking back over the past year, I’ve found numerous reasons to be thankful.

During the summer of 2022, Heartland Trust Company reached out to me about a new Chief Operating Officer position. I found the role intriguing, and during our discussions, I realized how eager I was to pursue this position. I consider myself fortunate to have become part of the Heartland Trust Company Family on December 1, 2022.

The Heartland Trust team has warmly welcomed me, and I’ve enjoyed establishing connections and learning from each of them.  They’ve provided me the flexibility to accompany my mom to appointments and to support my kids in their activities, allowing for true work-life integration.

In April, my mom unexpectedly passed away, resulting in a profound loss. However, I’m extremely grateful for the quality time I was able to spend with her over these last few years. Having the Heartland team as a resource for questions, has proven very beneficial in navigating the process of settling her estate.     

My son, Jack, qualified for the national weightlifting competition in Colorado Springs in June. Given my recent start date and the time off I had taken following my mother’s passing, I initially hesitated to request more time off. However, Brian Halverson and others were incredibly supportive and encouraged me to be there for Jack. We had an amazing time cheering him on, creating lasting memories, and contributing to his incredible experience.

I deeply appreciate the family culture at Heartland Trust Company, which aligns perfectly with my values of integrity, togetherness, and service. Nearly a year into my journey with the company, I can confidently say that I feel right at home.   

Heartland TrustA Message of Thanksgiving
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Estimating Your Retirement Income Needs

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’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Every situation is different, and your specific needs depend on your goals and many other factors.

Heartland TrustEstimating Your Retirement Income Needs
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HTC Team News and Honors

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 May.

Jan Nelson (Trust Officer) celebrated her 60th birthday in May. To help celebrate, her family and friends gathered for an evening food and music.

Denise Lies (Senior RS Operations and Compliance) and family celebrated their oldest son Tyler’s graduation from Carlson School of Management – University of Minnesota. 

Jana Samek (Director of Retirement Services)  and family celebrated their oldest daughter Taya’s graduation from West Fargo High School.

Missy Zarak (Trust Officer) and family celebrated granddaughter Jocelyn’s kindergarten graduation from Badlands Elementary School in Watford City, North Dakota.


Heartland Trust Company participated in the Hillsboro Dollars for Scholars scholarship program. Congrats to Heartland’s scholarship winner, Cole Hebl! Hillsboro Dollars for Scholars raised over $123,100 for the 2023 scholarship program with 35 graduates receiving scholarships.


( Hillsboro Dollars for Scholars President, Jim Murphy, Cole Hebl, Heartland Trust  Vice President and Director of Business Development, Jon  Benson)


Stay Connected
Here are two additional ways you can stay connected with HTC. Follow our LinkedIn page and leave us a Google review. We are grateful for all the ways our clients share our story with others.





With heavy hearts, we share that Ty Jochim passed away on July 6. Ty joined Heartland in March as a wealth management officer, and we cherish the short time we had with him. His friendly and easygoing nature made him fit in with our team immediately, and we are deeply saddened by his untimely death. Please keep his family and friends in your thoughts.




Heartland TrustHTC Team News and Honors
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Meet Amy Remmick

Amy Remmick

Amy Remmick

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 about yourself.

Born and raised in north-central Wisconsin, we moved to Fargo in 1993 with our 2-year-old and 6-week-old daughters. We transferred to the area with Case Corporation, intending to spend our required one year here and then move back to Wisconsin to be near our family. As our year ended, we decided that Fargo was a great place to continue raising our girls and have been here ever since.

What do you like to do in your spare time?

Family is our first priority, and we love going on new adventures together. My husband and I can often be found at the lake spending time on the water or hiking. During the winter months, we spend our weekends ice fishing, winter camping, and following college hockey. We are always on the hunt for something new and fun to do.

Tell us about your favorite life experience.

I witnessed the birth of my first grandchild. I am so blessed and feel that there could hardly be any greater experience than watching your baby give birth to her first baby.

What is your favorite movie/play/book?

The movie Elf. It’s a mindless, goofy holiday movie that simply makes you smile.

What was the first car you owned?

A silver/blue Dodge Omni. I can’t recall the year of the car, but I know that once we finished carving holes in the interior doors and rear window area, the Alpine stereo that we installed was worth more than the car itself. It was the greatest, and we loved driving around town listening to any Rush song.

If you could meet one person, dead or alive, who would it be and why?

My baby brother Patrick. Yes, we’ve met previously, but our family has had so many life experiences after his passing in 2007. I would love to chat with him about all of them. He was the best storyteller, and you always left a visit with him with sore abs from laughing so much. This world needed more people like him in it.

How long have you been at Heartland Trust and what is your favorite part?

I have just rounded the two-year mark. This time has flown by and I feel privileged to be a part of the Heartland Trust Company family. I admire the dedication that this team has to making HTC the best that it can be, and truly feel the support we give to each other is the foundation for our success.

Do you have a favorite recipe you would like to share?

I sure do.

  • Pick up your cell phone.
  • Download the Food Dudes app.
  • Place order.
  • Wait for the food to be delivered … and tip well.
Heartland TrustMeet Amy Remmick
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Saving for Retirement and a Child’s Education at the Same Time

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? The truth is, saving for your retirement and your child’s education at the same time can be a challenge. If you make smart choices now, you may be able to accomplish both goals.

Know what your financial needs are.

The first step is to determine your financial needs for each goal. Answering the following questions can help you get started.

For retirement:

  • How many years until you retire?
  • Does your company offer an employer-sponsored retirement plan or a pension plan? Do you participate? If so, what’s your balance? Can you estimate what your balance will be when you retire?
  • How much do you expect to receive in Social Security benefits? (One way to get an estimate of your future Social Security benefits is to use the benefit calculators available on the Social Security Administration’s website, You can also sign up for a mySocialSecurity account so that you can view your online Social Security Statement. Your statement contains a detailed record of your earnings, as well as estimates of retirement, survivor’s, and disability benefits.)
  • What standard of living do you hope to have in retirement? For example, do you want to travel extensively, or will you be happy to stay in one place and live more simply?
  • Do you or your spouse expect to work part-time in retirement?

For college:

  • How many years until your child starts college?
  • Will your child attend a public or private college? What’s the expected cost?
  • Do you have more than one child whom you’ll be saving for?
  • Does your child have any special academic, athletic, or artistic skills that could lead to a scholarship?
  • Do you expect your child to qualify for financial aid?

Many online calculators are available to help you predict your retirement income needs and your child’s college funding needs.

Figure out what you can afford to put aside each month.

After you know what your financial needs are, the next step is to determine what you can afford to put aside each month. To do so, you’ll need to prepare a detailed family budget that lists all of your income and expenses. Keep in mind, though, that the amount you can afford may change from time to time as your circumstances change. Once you’ve come up with a dollar amount, you’ll need to decide how to divvy up your funds.

Retirement takes priority.

Though college is certainly an important goal, you should probably focus on your retirement if you have limited funds. With generous corporate pensions mostly a thing of the past, the burden is primarily on you to fund your retirement. But if you wait until your child is in college to start saving, you’ll miss out on years of potential tax-deferred growth and compounding of your money. Remember, your child can always attend college by taking out loans (or maybe even with scholarships), but there’s no such thing as a retirement loan!

If possible, save for your retirement and your child’s college at the same time.

Ideally, you’ll want to try to pursue both goals at the same time. The more money you can squirrel away for college bills now, the less money you or your child will need to borrow later. Even if you can allocate only a small amount to your child’s college fund, say $50 or $100 a month, you might be surprised at how much you can accumulate over many years. For example, if you saved $100 every month and earned 8% annually, you’d have $18,415 in your child’s college fund after 10 years. (This example is for illustrative purposes only and does not represent a specific investment. Investment returns will fluctuate and cannot be guaranteed.)

If you’re unsure about how to allocate your funds between retirement and college, a professional financial planner may be able to help. This person can also help you select appropriate investments for each goal. Remember, just because you’re pursuing both goals at the same time doesn’t necessarily mean that the same investments will be suitable. It may be appropriate to treat each goal independently.

Help! I can’t meet both goals.

If the numbers say that you can’t afford to educate your child or retire with the lifestyle you expected, you’ll probably have to make some sacrifices. Here are some suggestions:

  • Defer retirement: The longer you work, the more money you’ll earn and the later you’ll need to dip into your retirement savings.
  • Work part-time during retirement.
  • Reduce your standard of living now or in retirement: You might be able to adjust your spending habits now in order to have money later. Or, you may want to consider cutting back in retirement.
  • Increase your earnings now: You might consider increasing your hours at your current job, finding another job with better pay, taking a second job, or having a previously stay-at-home spouse return to the workforce.
  • Invest more aggressively: If you have several years until retirement or college, you might be able to earn more money by investing more aggressively (but remember that aggressive investments mean a greater risk of loss). Note that no investment strategy can guarantee success.
  • Expect your child to contribute more money to college: Despite your best efforts, your child may need to take out student loans or work part-time to earn money for college.
  • Send your child to a less expensive school: You may have dreamed your child would follow in your footsteps and attend an Ivy League school. However, unless your child is awarded a scholarship, you may need to lower your expectations. Don’t feel guilty – a lesser-known liberal arts college or a state university may provide your child with a similar quality education at a far lower cost.
  • Think of other creative ways to reduce education costs: Your child could attend a local college and live at home to save on room and board, enroll in an accelerated program to graduate in three years instead for four, take advantage of a cooperative education where paid internships alternate with course work, or defer college for a year or two and work to earn money for college.

Can retirement accounts be used to save for college?

Yes. Should they be? That depends on your family’s circumstances. Most financial planners discourage paying for college with funds from a retirement account; they also discourage using retirement funds for a child’s college education if doing so will leave you with no funds in your retirement years.

However, you can certainly tap your retirement accounts to help pay the college bills if you need to. With Traditional IRAs, you can withdraw money penalty free for college expenses, even if you’re under age 59½ (though there may be income tax consequences for the money you withdraw). In a Roth IRA, you can withdraw the principal tax free if the account has been open for at least 5 years. But with an employer-sponsored retirement plan like a 401(k) or 403(b), you’ll generally pay a 10% penalty on any withdrawals made before you reach age 59½, even if the money is used for college expenses. There may be income tax consequences, as well. (Check with your plan administrator to see what withdrawal options are available to you in your employer-sponsored retirement plan.)

If this is all overwhelming or you need help putting the pieces together, a financial planner can help you with the process. The longer you wait, the less time you will have to save for any goal.

Heartland TrustSaving for Retirement and a Child’s Education at the Same Time
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HTC Team News and Honors

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. Congratulations Jana and Dustin!

Jana Samek
Jana Samek
Dustin Sobolik
Dustin Sobolik

HTC team members enjoyed a St. Patrick’s Day Crawl through our office to celebrate the March holiday.

We enjoyed stops at:

  • Gary’s Irish Tap
  • Amy’s 4- Leaf Trivia
  • Mary’s Pub Dublin Sliders Shop
  • Kevin’s Clovergreen Country Club
  • Jen’s Snacks O’ the Irish, and
  • Jill’s Shamrock Hoops

Heartland has some of the most creative team members in town!

Join us in July for Heartland Trust’s semi-annual Market Update webinar. For more details or to get on the invite list, give us a call at 701-235-2002 or send us an email at Dustin Sobolik, Director of Investments at HTC, will give a 45-minute review of the market in 2023 and what to watch for the rest of the year.

Heartland TrustHTC Team News and Honors
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Meet Maureen Jelinek

Maureen Jelinek
Maureen Jelinek

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 industry – and you won’t want to miss her recipe for Green Enchilada Chicken Soup.

Tell us about yourself.

I am originally from Grand Forks. I graduated from the University of North Dakota where I studied business administration and marketing. In 1997, I moved to Fargo when I was promoted to Manager of Deposit Acquisition and Operations at Gate City Bank.

I worked at Gate City Bank for 27 years. Most recently I served as Executive Vice President, overseeing information technology, information security, project management, business intelligence, deposit acquisition and operations, digital banking, call center, compliance and loan servicing.

My husband Doug and I have three kids, two grandkids, and two dogs.

What do you like to do in your spare time?

I love to support and cheer for my kids at their activities. I also like to relax in the boat at the lake and make memories. I love comedy whether it’s watching comedians and comedy shows or catching the latest funny movie. I love to laugh!

Tell us about your favorite life experience

My favorite life experience is being a mom. I’m amazed at how unique each child is even when they are raised in the same environment. I enjoy seeing the world through their eyes.

What is your favorite movie/play/book?

The Other Sister, a romantic comedy.

If you could meet one person, dead or alive, who would it be and why?

I would want to meet my paternal grandpa. He died prior to my parents’ engagement. My dad shared wonderful memories of him and emulated the many admirable attributes he talked about such as integrity, kindness, respectful, loving, loyal, encouraging, supportive, strong work ethic, etc.

What is your favorite part about working at Heartland Trust?

The commitment of all team members to the company mission, vision, and values. This is an amazing team of professionals and a truly enjoyable culture!

Green Enchilada Chicken Soup
(Thank you, Pinterest, with a few tweaks!)

2½ pounds of shredded boneless skinless chicken breasts or thighs (I use a rotisserie chicken for great flavor and to save time!)

28 ounces green enchilada sauce

24 ounces chicken stock

1 cup half-and-half

2 cups monterey jack cheese shredded

4 ounces cream cheese cubed and softened

4 ounces green salsa verde

4 ounces diced green chiles

1 bunch of chopped cilantro

Salt and pepper to taste

  1. In a large stockpot, add chicken and chicken stock. Simmer until chicken is done and can easily be pulled apart. Remove chicken and shred. (Skip this step if using rotisserie chicken.)

  2. To chicken stock, add shredded chicken (or diced rotisserie chicken) and remaining ingredients. Stir and heat soup until it is warm, and the cheese is melted.

  3. You can make this as mild or spicy as you prefer by using various heat options in the ingredients (mild to hot), adding more green salsa, adding green chili hot sauce or adding diced jalapenos.

  4. Serve with additional green salsa, hot sauce and sour cream on the side. We prefer diced green onions. Enjoy!
Heartland TrustMeet Maureen Jelinek
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