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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.
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Retirement

For years you thought this was the finish line, now you realize it’s just the beginning of a whole new stage.

Retiree.  Protect your wealth and start paying yourself.

You have more time to focus on yourself and on your loved ones. Everyone has a unique story, and each chapter of that story is accompanied by different 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.

Enjoy the time when you say, “We made it.”

It may feel like all your focus is on managing a reduced income and stretching the savings that you’ve worked decades for. Hills Bank has plenty of options to help manage your finances during this time.
 

Saving and Spending
Borrowing
Keeping You Covered
  • Medicare-related Insurance Products
    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.
Convenience


 

Before retirement

You have worked and saved for retirement for many years and now you are approaching a new stage in your life. As your freedom is on the horizon, make sure you have planned for the following items.

Inform your employer of your targeted retirement date. Check with your employer about requirements for receiving benefits and ending your employment. Determine a timeline and complete the necessary paperwork.

File for benefits. If you are filing for pension and Social Security benefits, get the paperwork prepared and finalized. The Social Security Administration needs to know your retirement date to get your payments set up. Contact them 60-90 days before your retirement date. Visit ssa.gov for the online retirement application so you don't have to drive to a local Social Security Office or wait for an appointment with a Social Security representative. 

Review your health insurance. When you contact Social Security to set up your monthly deposit they will help you enroll in Medicare. You will need to purchase a supplement medical policy to cover what Medicare does not. Call your local Senior Center to see if they have a Senior Health Insurance Information Program (SHIIP) representative who can go over all the insurance details you will need to consider. For example, you may need to enroll in a prescription drug program at age 65. Visit shiip.state.ia.us for more information about medical insurance.

Re-evaluate your investment options. Determine how much income you will need each month and where those sources of income will come from. If you are rolling over a workplace retirement plan to an individual retirement account, plan ahead and know how long it will take to roll over. You should work with a retirement specialist to make sure you have a handle for your living expenses before you get your last paycheck. The Hills Bank Trust and Wealth Management Department is ready to help answer questions you have regarding your financial future.* 

Consider long-term care insurance. Long-term care insurance covers care not covered by health insurance and Medicare. Talk with your financial professional to determine if long-term care insurance can help protect your income and assets.*

*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.


Tips for handling your transition into retirement

Planning for retirement means more than putting money into your 401(k). It means eating sensibly, exercising, taking preventative care seriously, and engaging in activities to maintain mental health. Retirees must stay active, engaged, and financially and physically healthy in order to enjoy retired life, and it's a transition that takes time. Studies indicate it may take years before you become comfortable and are able to enjoy your free time, change of friends, loss of work income, and having a different purpose in life that doesn't involve working for a paycheck. Below are some tips for enjoying this exciting time in your life.

Stay busy and keep a daily routine. Do you have hobbies or a bucket list that you were able to devote little time to during your working years? What about things you enjoyed before the chaos of work, raising a family, and preparing financially for retirement? Retirement is the time to do those things you didn't have time for. Stay involved in community events and have fun! Need ideas? Visit the Live Local page of hillsbank.com and enjoy the events offered in your very own community. Retirement allows you to spend more time with family, make new friends, and reconnect with old ones. Plan a family vacation, or do grandma and grandpa outings with the grandkids. Join a bowling or dart league and meet people with the same interests as you. Go on trips to visit old friends. Join the Friends ClubTM and take advantage of group travel opportunities all over the world. These are the rewards of retirement, ENJOY THEM!

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. 

Stay healthy. A happy and secure retirement not only means financial security, but it also means taking steps to be as healthy as you can be. Take care of yourself by getting annual physicals, eating right, stopping smoking, controlling blood pressure, and enjoying everything in moderation. Exercise daily by walking, swimming, golfing, or joining a health club with group classes. Remember, a body in motion stays in motion!   

Adopt a pet. Just ask any pet owner; pets make you happier and healthier. Pets have proven to lower stress levels, help with depression, and contribute to a healthier lifestyle by increasing your level of exercise. If you don't have the energy for a puppy, your local animal shelter will have a variety of pets in different age ranges and breeds that will fit best with your lifestyle. 


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.


Leave a legacy with a trust

Our Trust Services are structured to serve our customers with a wide range of financial resources; we can help you create the legacy you want and administer your assets according to your wishes.

Financial planning can be a very involved process. Hills Bank's Trust and Wealth Management Department can help you get started. Contact us today!

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.


Relieve your family from making difficult decisions

Decisions about the disposition of your estate, a living will, and burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under distress.

  • 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 retirement resources

There are many reliable websites available online that can provide great financial support and guidance as you begin your retirement. A few are included below:

  • American Association of Retired Persons: The AARP website has a wealth of information about health, work and retirement, money, home and family, entertainment, food, travel, politics, and games. 
  • Benefits.gov: Provides lists of government benefits by state and provides citizens with easy, online access to government benefit and assistant programs.
  • 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 “Planning for Retirement/Retiring” section with guides for retirees.
  • Senior Health Insurance Information Program: SHIIP is a resource dedicated to making sure Iowans have the information they need regarding health benefits. 
  • United States Government: The retirement section has resources on factors that could affect your retirement, links to claiming retirement income benefits, and resources about retirement.
  • United States Social Security Administration: Apply for retirement online, get your social security statement online, estimate your retirement benefits and view FAQs about retirement and social security.

 


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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