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.

Q & A on IRA Rollovers

The IRA rollover is a critical tool for preserving retirement capital.  Here are some questions that we’ve heard regarding this area.

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Year-End Legislative Changes

Congress was very busy as 2015 came to a close.

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Washington Talk - February 2016

IRS updates.

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Federal Estate Tax Exemption

The federal estate tax exemption for 2016 has been increased to $5.45 million. How accurate is your estimate of your estate?

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IRS Retirement Plan Contribution Limits

To make it possible for voluntary retirement savings to keep up with inflation, the various numerical limits embedded within qualified retirement plans are indexed for inflation.

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Think Hard Before Tapping Your 401(k) Balance

One of the features that make 401(k) plans so attractive is that your money is not completely out of reach should an emergency need arise.

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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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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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Donor-advised Funds

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

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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.