Purposeful Planning in Uncertain Times
If the past few years have demonstrated anything, it is that uncertainty is a constant. Policy changes, evolving media headlines, and market volatility can emerge rapidly, often with little warning. In this environment, it is understandable to feel as though everything is shifting beneath our feet. Having a plan is crucial to staying on track […]
Roth or Regular?
Navigating Your 2026 Retirement Strategy BY: TIM RENSCH, RETIREMENT SERVICES RELATIONSHIP MANAGER Roth or Regular? Navigating Your 2026 Retirement Strategy According to recent industry data, over 80% of employers now offer a Roth 401(k) option alongside the traditional pre-tax plan. Yet, many employees still default to the traditional route. With new regulations taking effect this […]
Meet Ann Olheiser
What do you like to do in your spare time?I enjoy spending time with my family. We spend a lot of time at our lake place on Little Cormorant year-round. We have friends and family at the lake for pontoonrides, fishing, campfires, and grilling or smoking meats. In the winter, we enjoy snowmobiling and sledding. […]
Will or Trust – Which is Better for Me?
BY: RACHEL MESKE, VP & DIRECTOR OF TRUST When it comes to planning for the future, one of the most common questions asked is, “Do I need a Will, a Trust, or both?” The answer depends on your goals, your family dynamics, and how you want your affairs handled during life and after death. Understanding […]
HTC Team Highlights
Mary Carlson’s “6-7” Birthday Mary Carlson turned 67 in February. Wishing her a very happy birthday and another wonderful year ahead! Team Building Our staff came together to connect and give back. Teams tied fleece blankets to donate to the Red River Children’s Advocacy Center, supporting children and families in our community. Hockey Brian Halverson […]
Reflect and Give Thanks
As the end of 2025 draws to a close, it gives us time to reflect on an amazing year for our clients, our team, and our company. After tariffs shocked the markets in April, they rebounded with a force, with the S&P 500, NASDAQ, and Dow all seemingly hitting new highs every month. The team […]
Understanding Directed Trustees in your 401(k) Plan
Business owners often wear many hats: CEO, CFO, HR Director, and sometimes even the IT department. But there is one hat that carries significant personal risk and administrative burden they might be wearing unnecessarily: The 401(k) Plan Trustee. Many business owners choose to appoint a third party, such as Heartland Trust, to fulfill this role and mitigate these burdens. What is […]
How Interest Rates Are Set and Why They Matter
Earlier this month, the Federal Open Market Committee (FOMC) voted to cut interest rates by one quarter of a percent, lowering the target rate/range to 3.50-3.75%. This was their last meeting until 2026, and the third time a cut was implemented this year. As the policymaking arm of the Federal Reserve, the FOMC plays a […]
HTC Team Highlights
Office Fun Missy’s Grandson Hudson stopped by for a visit. HALLOTHANKSMAS Heartland Trust Staff celebrated Halloween, Thanksgiving and Christmas in a fun one-day event! Great memories, laughter and food were enjoyed! Anniversaries At Heartland Trust, our relationships go beyond colleagues; we consider ourselves a family. Supporting our team and contributing to their futures are integral […]
Cybersecurity Awareness Month
Empowering You to Stay Secure in a Digital World Welcome to our special edition newsletter in recognition of Cybersecurity Awareness Month! As your trusted financial services partner, we understand that protecting your personal and financial information is more important than ever. This October, we’re dedicating our content to helping you stay informed, vigilant, and empowered […]
