Tag Archives: Money Management

Jennifer Lough

Apr 16 2018

6 Tips for Your Financial Spring Cleaning


tips-for-financial-spring-cleaning

As we kick off spring by cleaning, sorting, and tidying up the house, Hills Bank encourages you to add financial organization to you spring cleaning check-list.

Posted in Organization, Spring | Tagged , , ,
Mark Ahlers

Apr 11 2018

Wealth Management Spotlight: How to Fill the Income Gap


wealth-management-spotlight-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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Posted in Retirement | Tagged , ,
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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Posted in Financial Health, Youth and Education | Tagged , , , ,
Molly Dietz

Mar 28 2018

4 Tips to Avoid Overdraft Fees


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 Overdraft fees are assessed to an account when more money is withdrawn than available and the balance drops below zero.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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Posted in Money Saving | Tagged , ,
Laura Hill

Feb 26 2018

How to Navigate the New Tax Code Using Non-Endowed Donor Advised Gift Funds


The Tax Cuts and Jobs Act (the “Act”) has left many taxpayers rethinking their tax planning strategies. The increased standard deduction and reduced availability of itemized deductions may prevent taxpayers who have itemized in the past from doing so in …
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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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Posted in Retirement | Tagged , ,
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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Posted in Retirement | Tagged , ,