Asset Management & Trust Services

We offer a variety of asset management and trust services for individuals, not-for-profit organizations, and corporate retirement plan sponsors.

Heartland Bank is pleased to meet your asset management and trust needs. Our experienced and knowledgeable team will work with you to provide the best options when it comes to investments, trust and estate administration and retirement planning. In addition, we are also a fiduciary. Let us help you or your organization get the most out of investments.

Investment Management

  • Individuals
  • Not-for-Profit Organizations (Foundations & Endowments)

Financial and Estate Planning

Trust and Estate Administration

  • Living Trust 
  • Trust Under Will
  • Irrevocable Trust         
  • Charitable Trust

Retirement Plan Services

Turn-key qualified plan solutions:

  • Trustee and Administration
  • Plan Design
  • Education and Enrollment
  • Investment Selection and Monitoring

We Are a Fiduciary

A fiduciary is held to the highest standard of care and strict standards of behavior. As your trustee we hold to the standards of fiduciary duty, an essential element of trust service. Among others, we have a duty:

  • to avoid conflicts of interest,
  • of loyalty to the trust beneficiaries,
  • of impartiality,
  • to invest trust assets,
  • of confidentiality,
  • to furnish information,
  • to communicate and
  • to enforce and defend claims.

Fiduciary Services

Accounting

  • Hold title, collect income, and maintain detailed records
  • Provide periodic statements including electronic access
  • Maintain asset acquisition and and cost basis information
  • Furnish tax information to the individual or accountant

Administration

  • Administer according to the terms of the agreement
  • Pay bills
  • Make discretionary distribution determinations

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.