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Is your financial plan on course?

Is your financial plan on course?  Let Hills Bank Trust and Wealth Management work with you to chart a course for your financial future.
Let Hills Bank Trust and Wealth Management work with you to chart a course for your financial future.

Do you feel safe with your retirement plan provider?

Do you feel safe with your retirement plan provider?

Hills Bank offers all-inclusive,
fully-bundled retirement plan services.

  • Local contacts
  • Local processing
  • Local community-bank responsiveness
  • Fully-disclosed fees that are easy to understand
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Empty Nesters

With fewer mouths to feed, many empty nesters enjoy extra disposable income.

Empty Nesters.  Transform your financial habits to prepare for the future.

You’ve been looking forward to this day and dreading it at the same time. The moving van is pulling out of the driveway and the house is quieter than it’s been in years. Now it’s time to focus your energy on yourself. Everyone has a unique life story, and each chapter of that story is accompanied by different financial needs. As your community bank, Hills Bank would like to be a part of each stage of your life and help you with the financial products and services you will need along the way.

You have every right to spoil yourself for a while; it’s also a good time to review your retirement plan and your finances with these products:
Saving and Spending
Borrowing
Keeping You Covered
  • Insurance changes
    Insurance products including annuities are not a deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.
Near Future
  • Wealth transfer
    Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.
  • Mortgage
Convenience


 

Embrace your empty nest

The greatest advantage of the empty nest is the ability to cut expenses and have more time for the things you are passionate about. Below are some items to take into consideration as you embark on your empty nest and rediscover yourself. 

Reconnect with your partner. For years, you and your partner have had LOTS to talk about, from the kids' schedules to school events, and more. Now your children are grown, and you are spectators to their lives. You may wonder what will take the place of talking about your children together. You can now reconnect with your partner and find hobbies you both enjoy doing together that schedules didn't allow when the children were home. If you both enjoy cooking, you can become a bit more adventurous now that you don't have a finicky pallet at the dining room table with you. Start enjoying things together again!  

Single parents now have the chance to reconnect with family, friends, and hobbies. If you're a single parent, you've been busy handling the demands of your children all alone. You've probably said to yourself you'll find time for the things you love later. If you've been wanting to take line dance lessons, culinary classes, join a gym, or work on your own arts or crafts, now's the time! Reclaim your interests and passions, or discover new ones. Staying busy is an important part of adjusting to your empty nest.

Volunteer and give back to your community. Find something you have an interest in or passion for. It could be at your church, local non-profit organization, local hospital, or at the senior center. If you try one and it's not a good fit, try another one. Participating in a variety of programs will help you stay busy and make a difference in the community in which you live.

Need more ideas? Find out more ways to give back to your community by visiting the Live Local page of hillsbank.com.  

Make sure you are on course. It's possible life has thrown you some curve balls and your retirement plans and insurance policies may have changed over the years. You may not have predicted all the changes, or your goals have changed. You should keep in mind your health care costs will most likely increase the older you get. Have you accommodated for the unexpected? Review your financial planning and meet with your advisor to make sure you are still on course. 

Reduce debt. Now that your children are on their own, you may find you have extra disposable income. If you still have any debt, try to reduce it as quickly as possible, especially credit card debt. Often times, empty nesters experience a newfound sense of financial freedom since they are no longer paying for braces, dance lessons, school supplies, etc. Don't fall into the trap of spending money once reserved for the children's funds on large ticket items like recreational vehicles, fancy vacations, etc. Instead, use that money to reduce your debt and make adjustments to your retirement plan. The rest can be used for small splurges if your financial plan is where you want it to be.   

Cut costs. There are many ways you can cut costs now that the kids are out of the house. Notify your health insurance company once your child has their own coverage, and your monthly premiums may be reduced. Maybe you don't need such a large vehicle any longer and have the option to downsize into a more fuel efficient model. Look into the possibility of downsizing your home. Not only will you cut costs on the mortgage, but you will cut the costs of taxes and utilities as well.  

Consider a part-time job. If you discover you are not on track for retirement, take your new-found free time and consider a part-time job. You could work at your favorite department store or clothing store and reap employee discounts. If you would like a little more flexibility, consider seasonal work. Many retailers need seasonal help, and you don't have to commit to working year round. Also, consider utilizing your skills at a temporary employment agency without long-term commitment.    

Investment and insurance products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.


Take advantage of our interest-bearing checking account

Gold Checking – an interest earning account for customers with multiple account relationships.


Join the Hills Bank Friends Club

Take advantage of deposit account enhancements, travel opportunities, and social events for our customers. Learn more about the Friends Club or fill out a membership form to join the fun!


Cost-effective checking options

You’ll reduce the time it takes to pay your bills and save on the expense of paper checks and postage while helping the environment.

Debit Card – Use your Hills Bank debit card for faster, more convenient, and economical payments without the hassles of a checkbook.

Mobile banking – Access your Hills Bank accounts easily and securely. Mobile banking has no fee, and it's available anytime, anywhere with a text phone or a smart phone. 

Hills Bank provides mobile banking without charge. Account transaction limits and fees apply. Message and data rates may apply. Text STOP to cancel or HELP for help to 55658. View full terms.

Hills Bank Online – Bank 24 hours a day, 7 days a week with Hills Bank Online.

eStatements – Receive your monthly bank statements electronically with eStatements. This will not only help reduce the paper mail that arrives at your home; it also allows you to view your statement the day after it is generated at the bank.

PowerPay – With free PowerPay, you pay your bills from your Hills Bank checking account without writing a check or buying stamps.


Catch up on your IRA or other retirement plan

After age 50, you are qualified to boost your plans with “catch-up” contributions. Contact the Hills Bank Trust and Wealth Management team for more details.

  • Individual Retirement Accounts (IRAs) and Rollovers – Let Hills Bank make your investing easier with a Hills Bank traditional IRA, Roth IRA, or by completing a rollover from a retirement plan.
  • Investment Management – Growth and preservation of your assets is the highest priority. Hills Bank's wealth management team will help with your investment management along the way.

IRAs are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.


Establish an estate plan and/or trust

Hills Bank’s Trust and Wealth Management team can help you plan for the special needs of your children, aging parents, or the responsibilities of higher education and more. Our trust professionals can help you in the areas of trust administration and estate planning to grow your assets, save on taxes, and protect and manage your property.

Trust and Estate Administration — A lifetime of hard work and savings often results in the creation of significant personal wealth. We are ready to help answer any questions regarding your financial future.

Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.


Organize your personal documents

With all the junk mail, notices, and bills that arrive in your mailbox each day, it’s easy to feel like you're drowning in paper. Don’t let important papers pile up, waiting for you to find the time to sort and file them. Getting organized can be a chore, but it is absolutely essential. Managing your financial affairs requires taking charge of important documents such as birth certificates, insurance papers, deeds, and more with a tool called the Personal SAFEkeeper.

The Personal SAFEkeeper will provide small steps to tackle your project. Work through each page and you'll have a binder full of easy-to-reference essential documents.

Areas of focus include:

  • Credit and debit
  • Personal documents
  • Title and insurance 
  • Home ownership
  • Social security
  • Retirement records
  • Investment records
  • Estate planning
  • Tax records
  • Personal insurance

Assemble important papers and get organized today with your Personal SAFEkeeper. Don’t forget you can store all those essential papers in a safe deposit box* at any Hills Bank location!

*Safe deposit box contents are not FDIC insured.


Rent a safe deposit box

This is a convenient place to store important items that would be difficult or impossible to replace. Hills Bank’s safe deposit boxes* offer privacy and in most cases, greater security than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. 

*Safe deposit box contents are not FDIC insured.


Stay current with financial information, products, and incentives from Hills Bank

You're busy, and time is a limited commodity. It's hard to keep track of the ever-changing financial industry. Consider signing up for the following eNewsletters from Hills Bank for the latest financial information, products, and incentives from Hills Bank. 

HBT Connect – This bi-monthly eNewsletter is a useful resource to help you manage your finances. Sign up for HBT Connect today!

Successful Business – This bi-monthly eNewsletter for businesses gives helpful tips to improve your business and exclusive information about Hills Bank services. Sign up for Successful Business today!

The Economy and Market from Here...in Hills – A quarterly eNewsletter that provides an overview of the economy and markets. Sign up for The Economy and Market from Here...in Hills today!


Tell a friend about Hills Bank

Tell a friend about Hills Bank and you can earn extra money when they open a checking account. 

Tell A friend About Hills Bank and earn money!Hills Bank offers convenient services

  • Unlimited check writing (checking accounts only)
  • Hills Bank Picture Perfect debit card — personalize your no annual fee debit card with your favorite photo and earn money for the public school district or private school of your choice in our community with Classroom Cash!
  • Unlimited free ATM transactions at Hills Bank ATMs throughout the Cedar Rapids/Iowa City Corridor
  • Friends ClubTM membership for qualifying individuals age 50 years and better
  • Free Hills Bank OnlineTM
  • Unlimited mobile banking
  • Free PowerPayTM — pay unlimited bills online

Hills Bank offers a variety of accounts

Tell a friend about Hills Bank today!

Hills Bank Customer Protection Center

Hills Bank has created the Customer Protection Center to provide educational information and ways to protect your accounts and personal information. In this center, you can find up-to-date security alerts from the FDIC and Hills Bank, information on protecting your bank cards, tips for online security and mobile security, information about social media security, a video about identity theft, and a list of online resources to help protect your identity. 

Visit the Customer Protection Center today!


Additional online resources for empty nesters

  • Financial Resource Center: Discover wealth management strategies from Hills Bank designed for the different stages of your life.
  • Financial Calculators: Easy to use calculators to help solve common financial questions.
  • MyMoney.gov: A U.S. government website dedicated to financial education. There is a “Tools” section with calculators, budgeting worksheets, and checklists to help manage your finances.
  • HillsBankLiveLocal.com: Hills Bank encourages you to help sustain our local economy by living local, and this resource will give you ideas on how to shop locally, give back to your community, and experience local life.

For help determining the best practices and products for sound and productive money management during
your particular life stage, please contact us at any Hills Bank location or email us at hillsbank@hillsbank.com.

 


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