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Barbara Smidt
Vice President
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Social Responsibility Investment Account
This is a professionally managed account, which follows special instructions concerning the types of companies preferred by the investor and industries to avoid. For instance, our Investment administrators can invest in firms with a high proportion of women in senior managment or those that show exceptional concern for the environment. Our investment professionals will consider your tax situation, risk/return objectives, liquidity needs and other financial goals to customize your personal investment program.
Investment Accounts
After considering your risk/return objectives, liquidity needs, tax situation, and other financial goals, our Investment officer works closely with you to develop a personal investment program. We’ll provide professional investment management. You can also have us activate a program at a future date—for instance, to manage an investment portfolio for surviving spouse or an incapacitated family member.
Estate Administration
Our Trust administrators understand the complexities of estate administration, from minimizing taxes to maximizing assets. They are sensitive to your beneficiaries’ financial and emotional requirements and they appreciate the need for prompt settlement of your estate.
Working with your attorney, we can help structure a trust to ensure that your estate—or even your business—passes smoothly to the next generation. Our trust Administrators are highly experienced in navigating the complexities of estate planning to ensure that your family avoids the many difficulties that often times (and unnecessarily) prolong estate settlement. In addition, we’ll automatically review your plans as state and federal laws change, alerting you to any new developments that could adversely impact your estate.
Trusted Individual Retirement Account (IRA)
As your tax-deferred IRA starts to approach $15,000, it may be time to talk with a professional investment administrator. You can fully diversify your Individual Retirement Account investment to help improve the return. You get the peace of mind of having a professional helping you provide for your retirement years.
Managed accounts offered through the Trust Department at Dubuque Bank & Trust, a member of Hearland Financial USA, Inc.
NOT FDIC INSURED * MAY LOSE VALUE * NO BANK GUARANTEE
* NOT A DEPOSIT * NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY.
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