Tag Archives: Financial Planning

Brenda Langenberg

Oct 15 2018

Healthy Money Habits: Pay Yourself First (Part 1 of 4)


Financial health is defined as describing one’s personal financial situation. There are many different pieces included in the overall picture of one’s financial health. Some of these pieces include the amount of savings you have, how much of your income …
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Shelly Freemole

Sep 26 2018

Wealth Management Spotlight: Roth or Pre-Tax, Part 2 of 2


Deciding whether to contribute to your 401(k) plan on a Roth or Pre-Tax basis can seem like a tough decision, but it doesn’t have to be. Here are 4 things to consider when deciding how to contribute to your 401(k) …
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Shelly Freemole

Sep 19 2018

Wealth Management Spotlight: Roth or Pre-Tax, Part 1 of 2


You’ve probably heard the term “Roth” associated with your 401(k) Plan. Most plans now offer two types of participant contributions. There are deferral contributions made on a pre-tax basis referred to as pre-tax contributions. Then there are deferrals made on …
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Molly Dietz

Sep 05 2018

National Preparedness Month: Be Financially Prepared


National Preparedness Month (NPM), recognized each September, provides an opportunity to remind us that we all must prepare ourselves and our families now and throughout the year. Americans at all income levels have experienced the challenges of rebuilding their lives …
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Stephanie Schumacher

Jul 25 2018

5 Things to Know When Buying a Home

A house is likely the largest investment you will make in your lifetime. It requires a lot of thought, consideration, and planning before your purchase. Below I’ve outlined 5 important things to consider when purchasing your home. Avoid major changes …
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Jeff Ritchie

Jun 11 2018

Wealth Management Spotlight: 5 Important Documents Besides Your Will


When you think of estate planning, you think of creating a Will or revocable trust which will dispose of your assets when you pass away. However, there are several other documents that you should think about when developing your estate …
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Mark Ahlers

Apr 11 2018

Wealth Management Spotlight: How to Fill the Income Gap


Today the average Social Security benefit is approximately $1,250 per month, or $15,000 per year. The amount of living expenses not covered by Social Security or other guaranteed sources of income such as a pension or rental income is often …
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Dave Kriz

Apr 02 2018

April is Financial Literacy Month

A young boy and young girl look at Ipads.

April is National Financial Literacy Month. At Hills Bank, we believe in educating young people to take control of their financial future. To support this important endeavor, we’ve partnered with EverFi to bring the Hills Bank Financial Education Program to …
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Molly Dietz

Mar 28 2018

4 Tips to Avoid Overdraft Fees


What Is an Overdraft Fee? Overdraft fees are assessed to an account when more money is withdrawn than available and the balance drops below zero. This fee is charged because your financial institution provided a small loan to cover the negative …
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Mark Koch

Mar 26 2018

Wealth Management Spotlight: Inflation


Investing in stocks can be a risky endeavor – especially if you’re worried about volatility. The real risk, however, in a retirement portfolio is the silent killer called inflation. Learn more about inflation and retirement planning: https://youtu.be/sDnGs3_5ihI

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