Meet Renee Hobbs
Meet Renee Hobbs Renee Hobbs is an administrative associate for trust and personal accounts at HTC. Tell us about yourself. I grew up in the small town in south-central North Dakota and graduated from NDSU with a bachelor of science degree in business. I am married and have one daughter who is getting married this […]
What is a SIMPLE IRA Plan?
Shara Fischer, Wealth Management Officer Heartland Trust offers two of the most common types of employer-sponsored retirement plans: 401(k) and SIMPLEs. Both types of plans have many of the same features, but there are key differences that might make one a better fit for your business and employees. This article will cover the features of […]
Endurance
Brian Halverson – President One of the most legendary expeditions was led by Sir Ernest Shackleton from 1914-1916. On a ship rightfully named Endurance, he led a journey known as the Imperial Trans-Antarctic Expedition. This expedition had no guarantee of returning home safely and promised an abundance of adventure in the unknown. With a clear […]
Should You Pay Off Your Mortgage or Invest?
By Dustin Sobolik, CFP® – Investment Officer One question I’m often asked by clients is what to do with excess savings. Should they invest it or pay extra on their mortgage? I’m going to frame this article with a simple question and a simple answer, followed by a much more complicated answer. Let’s boil this […]
401(k) Loans: How Do They Work?
By Jana Samek, Relationship Manager – Qualified Plans Having access to a 401(k) plan through your workplace is a wonderful thing. Over half (56%) of US employers offer this employee benefit. If you have a 401(k) plan and face a financial emergency, there may be an option you are unaware of. You may be able […]
HTC Team News & Honors Q4 2021
Jan Nelson again served on the YWCA Cass Clay Chocolate Fantasy planning committee. This event benefits the YWCA Emergency Shelter for women and children in need. Special thanks to the other volunteers from HTC: Ethan Linder, Jon Benson, Kari Skauge, Kevin Wangen, and Michelle Hoppe.
Meet Lori Theis
Meet Lori Theis Lori Theis is a compliance associate at Heartland Trust. She makes sure all reports are filed, boxes are checked, and everything is compliant with the regulations and standards HTC must follow. Tell us about yourself. I was born, raised, and still live in Moorhead, Minnesota. I have one son, Adam, who got married […]
Choosing a Beneficiary for Your IRA or 401(k)
Adapted from Broadridge Investor Communication Services Choosing a Beneficiary for Your IRA or 401(k) Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. With retirement benefits, you need to know the impact of income tax and estate tax laws in order to select the right beneficiaries. Although […]
Grateful
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 Bernier has retired/significantly reduced her work hours and duties. Sheryl’s departure brings changes in the form of promotions and new hires. Our team is growing, […]
Comparing Compensation
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 so take a look at the full picture. Here is a shortlist of the most common types of compensation. Wages Wages are […]
