Taxes

• Estate Taxes
• Avoiding Probate
  A Living Trust is a legal arrangement, drafted by an estate-planning attorney, that can facilitate the transfer of assets, avoid probate, maintain continuity in the case of incapacity or death, and ensure that an inheritance goes to those whom you intend. During your lifetime, your Living Trust can be revoked in whole or in part at your discretion. In the case of incapacity or death, your designated Trustee continues to manage your assets as your Living Trust directs, without interruption.
• Tax Deductions
  A Charitable Trust establishes a trust for the benefit of one or more of your chosen charities. It can reduce estate taxes, eliminate capital gains, allow the grantor to claim an income tax deduction, and, of course, benefit your favorite charity.
• Income Tax
• Tax Deferral
  One of the biggest advantages of a 401(k) rollover into an IRA is that it allows you to continue the tax-deferred status you had with your employer’s retirement account.

Investment

• Investment Management
  No matter what stage in life you are at, just starting up, progressing, or established, a team of professionals at Heartland Bank is dedicated to delivering a full range of wealth and financial services. Our team collaboratively addresses your individual needs and goals by offering, among other services, financial planning and investment management by our seasoned portfolio management team. We are here to guide you through the three areas of wealth - accumulation, preservation, and distribution, offering advisory services in an easy-to-understand methodology.
• Wealth Management
  Heartland Bank is here to help you with everything from your first retirement account to managing your portfolio the closer you get to retirement. From getting you started with an IRA to wealth management services, we can help you make the most of retirement. Heartland Bank is here for you every step of the way.

Planning

• Financial Planning
  Our comprehensive financial planning approach is focused on optimizing your assets, to design personalized, actionable strategies to meet your short and long-term financial goals.
• Retirement Planning
  Whether you're looking to start up a new plan or you would like to have your existing plan reviewed, our retirement planning professionals can help! Let us provide you with hands-on assistance to simplify your role as the plan fiduciary.
• Asset Management
  You can depend on Heartland Bank and Trust Company to provide professional asset management, accurate tax records, and thorough and knowledgeable administration of your trust.
• Living Trusts
  A Pour-over Will is simply a type of Will that takes the property of a deceased individual and transfers it over to an existing trust account. A Pour-over Will is beneficial for individuals that have created living trusts for children or relatives, as it works hand-in-hand with the trust account to have assets consolidated together.
• Gifting Strategies
  Securities and insurance products are NOT deposits of Heartland Bank, are NOT FDIC insured, are NOT guaranteed by or obligations of the bank, and are subject to potential fluctuation in return and possible loss of principal.