Category Archives: Retirement

Brad Zuber

Jan 24 2018

Wealth Management Spotlight: Investing 101


wealth-management-spotlight-investing-101

The basics of building an adequate retirement account are not that difficult. If you are disciplined in following just a few key themes, you too can accumulate an adequate retirement account balance.  Learn more about the 5 themes of …
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Mark Ahlers

Jan 16 2018

Wealth Management Spotlight: Stock Market Weather


wealth-management-spotlight-stock-market-weather

Stock market returns are like the weather in Iowa – some years we have above average experiences, some years we have below average experiences. The statement the stock market has averaged 10-12%  over the past 70 years is as honest …
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Todd Joslin

Dec 27 2017

Wealth Management Spotlight: How to Determine Your Retirement Income Needs


what-are-my-retirement-income-needs

Is your retirement right around the corner or many years away? Either way, determining your income needs during retirement may seem like an impossible task. Learn how to determine your income needs during retirement from Todd Joslin, Trust and Wealth Management Officer. …
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Todd Joslin

Dec 18 2017

Wealth Management Spotlight: How Much Should You Save for Retirement


how-much-should-i-save-for-retirement

Retirement can seem like a big mountain to climb when thinking about the amount that you will need to save for it. Some of the details that can go into determining that number include the age at which you retire, your …
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Mark Ahlers

Dec 06 2017

Wealth Management Spotlight: Distribution Buckets


wealth-management-spotlight-distribution-buckets

As retirement nears, you will need to transition from a strategy of asset accumulation to a strategy of utilizing assets to provide you with a stream of income in retirement. Learn about retirement cash flow management from Mark Ahlers, Vice President, Trust …
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Mark Koch

Nov 13 2017

Wealth Management Spotlight: Saving Early


saving-for-retirement-early

It’s been said that there is no force on earth greater than the power of compound interest. Learn how saving early for retirement and compound interest pair up to work together for you from Mark Koch, First Vice President, Trust and Wealth Management …
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Dale Farland

May 16 2016

Fiduciary Ruling and Your Retirement


Fiduciary Ruling Retirement Planning

Recently, there has been extensive media coverage regarding the new Department of Labor (DOL) Fiduciary ruling pertaining to retirement accounts. The impetus behind this ruling is to protect investors. For many Americans, retirement savings are their largest investment, and the …
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Mark Ahlers

Mar 23 2016

Financial Planning: How Much Will I Need to Save?—Part 3 of 3


Financial Planning for Retirement.

This is the final in a 3-part series on financial planning and social security. Experts suggest that you will need 75-85% of your pre-retirement income to maintain your lifestyle throughout retirement. What changes in retirement can you make to allow for …
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Mark Ahlers

Mar 16 2016

Financial Planning: How Much Can I Spend?—Part 2 of 3


Financial Planning for Retirement.

This is the second in a 3-part series on financial planning and social security. Once the “income gap” has been determined, the next step is to determine if your accumulated or projected assets are adequate to fill this gap. The goal …
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Mark Ahlers

Mar 09 2016

Financial Planning: Social Security and the Income Gap—Part 1 of 3


Financial Planning for Retirement.

This is the first in a 3-part series on financial planning and social security. When the Social Security retirement income system was created in the 1930s, it was designed to provide a partial retirement income supplement. Today, the average Social …
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