Wealth Management Articles

Our team has put together a collection of helpful and informative articles regarding wealth management.

If you're interested in learning more about wealth management, these articles may have just what you're looking for.

Tax-Free Capital Gains

The maximum tax on long-term capital gains is 23.8% at top income levels.

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New Limits on Lump Sums

In a move that caught some retirement planners by surprise, the IRS in July issued new rules restricting the availability of lump sum distributions from pension plans.

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Will Your Executor Have Access to Your Computer?

Estate planning for digital assets has been heating up in recent years.

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The Last Resort

A loan from a qualified retirement plan can provide emergency funding during a cash crunch, and be a bridge to a more prosperous time when the emergency passes.  But if the financial pressure is sustained, the plan loan just might make the problem worse, as shown in two recent Tax Court cases.

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Brakes for the downside – How do stock market “circuit breakers” work?

“Circuit breakers” are no longer triggered by changes in the DJIA; the focus is on the S&P 500-stock index. Trading will be suspended for 15 minutes if this index falls by 7% from the previous session’s close before 3:25 p.m. Eastern time.  

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The Trouble With Powers of Attorney

Reportedly the incidence of Alzheimer’s disease among those 85 and older is about 47%. This population needs help with financial management. Perhaps the most common tool to permit a family member to assist with handling an elderly person’s assets is the power of attorney.

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Jumbo Gift Tax Exclusions

Every taxpayer has two shields from the federal gift tax: a $14,000 annual exclusion and a $5.43 million lifetime exemption.  

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Donor-advised Funds

A donor-advised fund provides a mechanism for you to dedicate significant resources to charity...

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Excess IRA Contributions

Despite the fact that the U.S. savings rate is generally thought to be too low, the problem of excess IRA contributions is rather large.  

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Inheritance Protection Plan

Thoughtful planning may create a lasting legacy.

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Charitable Trusts

A charitable remainder trust is a tool for dividing your wealth between private and philanthropic beneficiaries.

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Amateur Trustees

More and more affluent families are turning to trust-based solutions for their wealth management and inheritance problems. However, a trust is only as good as its trustee.

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Heartland Bank and Trust Company Asset Management & Trust Services is not a broker/dealer. Equity and bond trading in customer accounts is transacted through independent broker/dealers.