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.

Social Security 2017

Here are the basic Social Security numbers in 2017 for your reference.

Read more about Social Security in 2017 →

Estate and Gift Taxes 2017

Read more about 2017 estate and gift tax updates →

Tom Clancy's Estate

The estate plan of noted author Tom Clancy had three equal trusts, one for the children of his first marriage, a marital trust for his surviving second wife, and a family trust for the second wife and the daughter they had together.

Read more about Tom Clancy's Estate →

Trust Income Q&A

How much income can I expect from a living trust?

Read more about trust income →

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.

Read more about contribution limits →

Domicile and Taxes

As far as the taxing authorities are concerned, you can’t just declare where you want to be taxed.  

Read more about domicle and taxes →

Of Charities and IRAs

A popular charitable giving tax break has been made permanent, one that has been dubbed the “charitable IRA rollover.”  

Read more about charities and IRAs→

The Yield Curve

Question: What is the “yield curve”? What does it tell us? Does the Federal Reserve Board control the yield curve? How do I take the yield curve into account in shaping my portfolio? Answer...

Read more about the yield curve→

529 Plans: Advanced Questions


During the presidential primary campaigns, the cost of higher education and the burden of education loans upon recent graduates has been a recurring theme.

Read more about 529 plans →

Are You a Living Trust Candidate?

Any comprehensive review of an older person’s financial planning is likely to touch upon the value of a revocable living trust for investment management.

Read more about trust candidates →

12 Reasons to Review Your Will

Creating a will and an estate plan is not a “one and done” event.

Read more about reviewing your will →

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.

Read more about IRA rollovers →

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.

Read more 401k plans →

Inheritance Protection Plan

Thoughtful planning may create a lasting legacy.

Read more about inheritance protection plans →

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.

Read more about amateur trustees →

Heartland Bank and Trust Company Asset Management and Trust Services is not a broker/dealer. Equity and bond trading in customer accounts is transacted through independent broker/dealers.
Legal, Investment and Tax Notice: This information is not intended to be and should not be treated as legal advice or tax advice. Readers should under no circumstances rely upon this information as a substitute for their own research or for obtaining specific legal or tax advice from their own counsel.