Be Strong and Courageous
A simple yet powerful message has been a meaningful part of the Concordia College Football program since 2004, when the Cobbers faced a powerhouse opponent on a memorable day in late October and earned a hard-fought victory. Since then, Coach Terry Horan has used Joshua 1:9 to help set the tone for the program each […]
When a Loved One Can No Longer Decide
BY: MICHELLE SENGER, CRSP, CISP, TRUST OFFICER Editor’s Note: The characters and events in this story are fictional, but the lessons behind them reflect situations we commonly help families navigate. When Janet turned 83, she was still the kind of woman who baked pies for her daughter and planted a garden every spring. Her daughter, […]
Meet Carrie Butler
Tell us about yourself. I recently moved back to Fargo after living in the Chicagoland area for about 10 years. I’m married and have 2 young children. What do you like to do in your spare time? Spend time with my kids, watching true crime shows/ documentaries. Tell us about your favorite life experience. Being […]
4 Paths Forward: Navigating Your 401(k) After a Job Change
BY: TIM RENSCH, QKA®, RETIREMENT SERVICES RELATIONSHIP MANAGER Transitioning to a new career chapter is an emotional milestone. Whether you are moving toward a fresh opportunity or heading into retirement, your old workplace savings plan—be it a 401(k), 403(b), or 457(b)—represents a significant portion of your financial future.To ensure your hard-earned savings continue to work […]
HTC Team Highlights
Bowl for Kids Sake A group volunteered for the Village’s bowling event, which supports the Big Brothers Big Sisters program. FMWF Chamber Corporate Cup HTC participated for the first time in the FMWF Chamber Corporate Cup. Escape Room The Trust Team did the Puzzled Escape Room for some team building. Indoor Mini Golf April team […]
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 […]
