Tag Archives: Financial Planning

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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Allison Bates

Sep 27 2017

Managing Your Finances Made Simple


managing-your-finances-made-simple

Make a commitment to your financial fitness by automating your savings or pay-off goals. Set up long-range goals like saving for a down payment or short-term goals like paying off a high-rate credit card. When you determine a goal in …
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Matt Olson

Aug 01 2017

Credit Score Series: Part 3 Tips to Improve Your Credit Score


Credit Score Series: Tips for improving your credit score.

Improving your credit score can save you money through lower interest rates and insurance premiums. A higher score can open the door to more credit options such as a mortgage loan and it can even decrease the amount of security …
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Matt Olson

Jul 31 2017

Credit Score Series: Part 2 How Lenders Use Your Credit Score


Credit Score Series: How Lenders Use Your Credit Score

Many financial institutions consider your credit score when making a loan decision. If you’re in the market for a mortgage, car loan, personal loan, or even a credit card, your credit score is going to directly impact how much you …
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Matt Olson

Jul 24 2017

Credit Score Series: Part 1 What Makes Up Your Credit Score


Credit Score Series: What makes up your credit score?

Your credit score directly impacts your ability to get a loan and the rate and terms you pay for those loans. It also plays a role in things like your insurance rates, security deposit needed when you rent an apartment, …
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Jeff Ritchie

Jun 26 2017

Part 2 of 2: Examining Account Types – Payable on Death Accounts


An account that contains a “Payable on Death” (POD) designation is very different than an account just in your name.  You are strongly advised to consult with your estate planning attorney before adding or removing POD designations as changes may …
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Jeff Ritchie

Jun 19 2017

Part 1 of 2: Examining Account Types – Joint Accounts with Survivorship


Thinking about opening a joint account? Here are some items to consider when opening a joint account with survivorship with someone other than a spouse:

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Hannah Geyer

Apr 05 2017

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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Bob Lamkins

Mar 06 2017

Get Pre-Approved for Your Home Loan with Hills Bank


Are you looking to buy a new house, but have questions about what you can afford, what your monthly payment will be, or if you will need a down payment?  Let Hills Bank help answer those questions by getting you …
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