Heartland Wealth Partners

10/15/2026

👨‍👩‍👧‍👦 **Parents and grandparents: Did you know your child may already have an investment account that you never opened?**

On October 1, the U.S. Treasury automatically established **Trump Accounts** for more than 60 million eligible children who didn't already have one.

But there are a few things families should understand:

✅ **Automatic enrollment doesn't mean automatic funding.** Children born between 2025 and 2028 may qualify for a $1,000 federal contribution, but additional steps are required.

✅ **Parents still need to claim the account.** Verification is necessary to manage the account and allow family contributions.

✅ **Investment rules are changing.** New Treasury regulations allow certain donated individual stocks to be held in these accounts, potentially for up to five years.

✅ **It's another financial planning consideration.** How do these accounts compare with 529 plans, custodial accounts and other ways of saving for a child's future?

Having an investment account is one thing. Understanding how it fits into your family's financial future is another.

At Heartland Wealth Partners, we believe financial planning should start with understanding your options, not choosing a product.

🌱 **Let's Make a Plan.**

Heartland Wealth Partners | Waukon, Iowa

10/15/2026

Do you have questions on the Medicare plans available to you? Medicare is complex — and you don’t have to be an expert. As a licensed insurance agent, I will help you find the plan that fits your needs so you can spend more time doing the things you love. Call me today at (563)794-1859 to get started.

Lets Make a Plan!

10/06/2026

🌴 More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesn’t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. ✈️ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?


Source: https://www.cnbc.com/2026/09/23/lifemaxxing-financial-goals-spending-saving.html

09/24/2026

🌾 Common Cents: Farm Transition Truth

66% of farm operators in a 2019 Iowa State University survey said they had no formal succession plan.

That is two out of three families leaving some very big questions unanswered.

If your farm is one of them, please let me help you. We can start with a conversation, work through what you want for the farm and your family, bring in the right professionals and keep after the details until the plan is put in place.

Want the hand-holding version? We have it! I will help gather the information, make the calls , go to the meetings with you and keep us moving when life on the farm gets in the way.

This is your sign to start today. Message me and let’s put the first conversation on the calendar.

Let’s get it done and done right, together.

— Nick
563-794-1859
https://www.heartlandwealthpartners.com/

09/23/2026

Congratulations to Katie and everyone at Sissa! It was a pleasure celebrating your ribbon cutting. Wishing you a great start in downtown Decorah!

09/23/2026

You know where you are going, what you need to bring and roughly what the trip will cost. You also know you might have to change course along the way.

Retirement planning works much the same way. When do you want to retire? What will your savings need to pay for? What happens if life changes the route?

You do not need every answer today. You just need a place to start.

Let’s make a plan.

09/17/2026

“A Conversation That Stuck With Me This Week”
I met with a family who told me, “We’ve been meaning to get our financial life organized for years… we just didn’t know where to start.”
Totally normal.
Most people don’t need a complicated plan — they need clarity, confidence, and someone who speaks human, not Wall Street.

If you’ve been feeling the same way, you’re not alone.
And if you ever want to talk through your next step — no pressure, no sales pitch — I’m here.
That’s what Common Cents is for.

09/17/2026

One more week to register your fall garage sale on Decorah's citywide garage sale map! You can do it online here: https://docs.google.com/forms/d/e/1FAIpQLSfeltag8PxHQwQyYIdWe8UcrBjIQfdi9ijaRv4_G62Fx_Vang/viewform?usp=header

09/16/2026

Remember signing up for your 401(k) at work or opening your IRA?

For most people, the 401(k) choices come at the end of a long day of onboarding paperwork — when the door is right there and your brain is already halfway home. An IRA might get opened, invested, and then left alone for years. In both cases, it’s easy to tell yourself you’ll come back to it later.

Maybe later is now.

I’m offering a retirement account tune‑up for anyone in the area. We’ll take a fresh look at what you own, how much risk you’re taking, and whether your choices still match what you want retirement to look like. My job is simply to help you understand your options so you can decide what, if anything, you want to adjust.

No judgment about the decisions you made years ago — most of us made them while trying to get home before supper. This is just a chance to make sure your money is working the way you think it is.

If you’d like a starting point, you can find your Risk Number here or reach out and we can take a look together.

Discover your Risk Number, compare it with your current portfolio, and explore how investment risk may affect your retirement plan.

09/15/2026

Spending too much time keeping track of your finances? Maybe It's time to try a budgeting app! There are plenty of good options out there. Here are some of the best.
https://www.cnbc.com/select/best-budgeting-apps/