35 Years – Looking Back and Looking Forward
Thirty-Five Years – a major chunk of time,and a major chunk of changes. As the song says, 1990 “was a very good year” – the origin of Heartland Trust Company!! Heartland Trust Company started with 800 square feet of office space at 700 Main Ave, moved to South 8th St. with 1,660 square feet, and […]
Tune-Up Your 401(k)
A Simple Six-Step Checkup for Your Retirement Plan Is your 401(k) plan acting up when the market gets rough? Are you saving enough? Is your investment strategy working well? Doing a yearly checkup on your 401(k) can help you stay on track for retirement. Here’s a quick six-step checkup you can do in just a […]
The More Things Change, The More They Stay the Same
BY JON BENSON, VP & DIRECTOR OF BUSINESS DEVELOPMENT With the Trump administration back in the White House and Republicans controlling both the House and Senate, it is likely the Tax Cuts and Jobs Act (TCJA) of 2017 will continue beyond its scheduled end in 2026 and into the foreseeable future. This act brought significant […]
With Gratitude
The holiday season is a special time for reflection and thankfulness. Recently I’ve adopted the phrase “With Gratitude” to close my email, expressing appreciation for even the smallest gestures, like a prompt response. But our gratitude extends far beyond that. At Heartland Trust Company, we want to express our heartfelt appreciation to our clients, partners, […]
Understanding Capital Gains and Losses
Investing in assets like stocks, bonds, or real estate can be a great way to build wealth. However, it’s essential to understand the concepts of capital gains and capital losses, as they play a crucial role in your investment strategy and tax planning. What are capital gains? Capital gains occur when you sell an asset […]
Transferring Wealth
Transferring wealth can mean different things to different individuals and families. No matter the situation, everyone has to jump over the same hurdles of 1) the pressures it puts on families, 2) the actual transferring of assets, and 3) the unintentional outcomes that could arise. Sometimes plans get put into motion unexpectedly which presents its […]
Fall is the Time to Plan for Year-End Giving
Fall is a perfect time to tidy up – and this also applies to making your final plans for 2024 gifts to charity! Please contact us soon regarding any charitable gifts you wish to make before year end, as Fidelity and other asset managers have early December deadlines to guarantee 2024 charitable contributions and asset […]
Investing in Boring Assets is Good Business
Looking past the headlines of the stock rallies of companies focused on artificial intelligence (Microsoft), high-powered computer chips (Nvidia), and obesity drugs (Eli Lilly, Novo Nordisk), there is an opportunity that excites us even more over the next decade. Each of us interacts with it on a daily basis, yet rarely do we ever give […]
Checking Under the Hood
How to Perform a Six-Step Maintenance Checkup on Your Retirement Plan ADAPTED FROM EPIC RETIREMENT SERVICES Review Your Goals and Plans: Each year you should ask yourself if you’re on track to reach your retirement goals. Part of that process is imagining (in detail) what you would like to be doing during that stage of […]
From Every Direction
In a world where headlines bombard you from every angle, it is easy to feel overwhelmed. From multiple ongoing overseas conflicts, the federal deficit increasing, to inflation and interest rates, there is no shortage of complex issues vying for our attention. Not to mention it is an election year, which always adds an extra layer […]
