What’s Your Risk Tolerance?
Investing always involves a degree of risk. If you plan to buy securities such as stocks, mutual funds, ETFs, or bonds, it is important to realize you could lose some or all of the money you invest. Finding an investment profile that fits your risk tolerance while still allowing you to reach your goals can […]
Meet Bre Smith
Bre Smith is an administrative associate who supports the trust administration side of HTC. She is the most recent addition to HTC, and we are excited to have her on the team. Tell us about yourself. I grew up in Vermillion, South Dakota, and attended college at St. Cloud State University and South Dakota State […]
Will Medicare alone be enough to cover my healthcare needs in retirement?
No. Medicare coverage comes with deductibles and significant co-payments or coinsurance costs for many types of treatments, including hospitalizations. Typically, the deductible amounts are increased each year. If you’re not prepared to pay these expenses out of pocket, you may want to consider a Medigap policy (a supplemental medical insurance policy). Medigap insurance policies are […]
Team News and Honors
Steve Halverson, Chairman of the Board, was installed as the International Director for District 4 of the Sons of Norway at the International Convention in Bloomington, Minnesota, this past August.
Office Remodeling Project Complete
If you stopped by Heartland Trust Company this summer, you probably saw our mess. Our office underwent a full remodel, adding new carpet, paint, building updates, and several new offices to accommodate our growing staff. Half of the building was done at a time, leaving space at a premium at times. We pulled through and […]
How often should I review my estate plan?
Although there is no hard-and-fast rule about when you should review your estate plan, the following suggestions may help: You should review your estate plan immediately after a major life event. You’ll probably want to do a quick review each year because changes in the economy and in the tax code often occur on a […]
A Simplified Mission
Our mission statement is clear and simple: “to provide a lifelong commitment to the well-being of those we serve.” Living out the spirit of that mission is more complex. As a trust company, we offer guidance whether you are saving for retirement, living in retirement, or needing to follow a document after a triggering event […]
2018 Year-End Individual Tax Planning Guide
The end of the year is coming soon, which means it’s time to make any changes that might affect your 2018 taxes. The material below has been prepared for informational purposes only. All decisions regarding tax implications should be made in consultation with your independent tax advisor. Maximize/Bunch Itemized Deductions The standard deduction has increased […]
Upgrades to Your Online Account
We wanted to follow up on some information you may have received earlier this summer. If you have a trust, agency, IRA, or investment account with Heartland Trust Company, you have the ability to access your account online. AccuNet, the vendor we use to establish this online account, has upgraded its website. In July, an […]
How can I crack down on robocalls?
You may not mind a robocall if it provides a helpful announcement from your child’s school or an appointment reminder from a doctor’s office. But sadly, criminals often use robocalls to collect consumers’ personal information and/or conduct various scams. Newer “spoofing” technology displays fake numbers to make it look as though calls are local, rather […]
