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.

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→

Taxes and Living Trusts

Question: How much can I save on my income taxes if I put my investments into a living trust? Answer...

Read more about taxes and living trusts →

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 →

Portability Extensions

My spouse died a year ago, leaving me an estate worth several million dollars. Because the estate was less than the federal exemption amount, no federal estate tax was filed. Is that a problem?

Read more about portability extensions →

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 →

The New Fiduciary Rule

Ever since the meltdown of the financial services industry in 2008, there has been concern about the standards to which investment advisors should be held. 

Read more about the new fiduciary rule →

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 →

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.

Read more about powers of attorney →

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.