HTC Team News and Honors

  • Dustin Sobolik recently earned his Certified Financial Planner (CFP) designation. Dustin completed a course of study that encompasses a variety of topics relating to financial planning, including estate planning, insurance, taxes, retirement accounts. The most important aspect of a CFP is that Dustin has a fiduciary duty, which means he must make decisions with his client’s best interest in mind. Congratulations, Dustin!
  • Heartland Trust Company employees recently collected several boxes of new children’s socks that were delivered to Early Einsteins Learning Center in Dilworth. Early Einsteins (part-owned by HTC’s Heather Jung, who is pictured kneeling in the center) was participating in a sock drive for Golden Drive Homeless Kids sponsored by the Dilworth Police Department. 
  • HTC employees also recently collected a box filled with old phones to donate to the Rape & Abuse Crisis Center (RACC) in Fargo. RACC is always looking for donations, including cell phones and chargers.
Heartland TrustHTC Team News and Honors
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Meet Ethan Linder

Meet Ethan Linder

Ethan is one of our newest employees, having joined the team less than five months ago. He is the administrative associate for Brian Halverson and Gary Hanson’s accounts. He assists them with keeping track of accounts and entering information into our database. 

Tell us about yourself.

I grew up in Esko, Minnesota, a small town outside of Duluth. I am the youngest of six children and we all live in or around Minnesota. I attended Concordia College and graduated the spring of 2020 with a business management major and an environmental studies minor. I currently live with my girlfriend and one of my brothers in Fargo. 

 

 

Heartland TrustMeet Ethan Linder
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Balancing Work and Family

Adapted from Broadridge Investor Communication Services

At one time, the typical American family looked like this: a breadwinner father who commuted a short distance to work and earned a very good living, and a stay-at-home mother who took care of the kids and family home with aplomb. Life seemed easy and manageable, with plenty of time for family meals, parent relaxation, and important life lesson discussions, and little in the way of work or technological distractions.

Today, things are different. There are many more two-parent, dual-income families and single-parent households, along with increased work expectations, longer commutes, and a 24/7 mindset. The result is often a more harried existence for today’s parents as they try to balance their work commitments and family obligations – a juggle that is one of the major issues people face during their working years. 

Heartland TrustBalancing Work and Family
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HTC Team News and Honors

Two new employees have joined our team. 

In September, Ethan Linder came aboard as an administrative associate on the personal account side. Ethan is a recent graduate of Concordia College where he obtained a bachelor’s degree in business administration and management and a minor in environmental studies. In his spare time, he enjoys going to the movies, playing hockey, and watching sports.

Heartland TrustHTC Team News and Honors
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Meet Steve Halverson


Steve is the founder of Heartland Trust Company. After working in the trust industry for a regional bank for 18 years, he went off on his own and started North Dakota’s first independent trust company. Thirty years later, he is the CEO and chairman of the board. The company has grown from two people to 25, with over $600 million in assets under management. Steve is very active in the community, spending many years with various local service organizations. He is currently a member of the board for the FMWF Chamber, and an International Director for the Sons of Norway.

What do you like to do in your spare time?
When I’m not at the office, it’s all about family. My wife and I try and spend as much time as we can with the grandkids.

Heartland TrustMeet Steve Halverson
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Celebrating 30 Years Part 4


Heartland Trust Company turns 30 this year, and we’ve accumulated a bit of history as we enter our fourth decade. Each quarterly newsletter this year has contained a feature on one of our old locations. This is the final installment.

Heartland TrustCelebrating 30 Years Part 4
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Understanding Social Security Benefits

Adapted from Broadridge Communication Services

Approximately 68 million people today receive some form of Social Security benefits, including
retirement, disability, survivor, and family benefits. (Source: Fast Facts & Figures About Social Security,
2019). Although most people receiving Social Security are retired, you and your family members may be
eligible for benefits at any age, depending on your circumstances.

Heartland TrustUnderstanding Social Security Benefits
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Meet Sheryl Bernier

Sheryl has been with Heartland Trust Company since the doors opened 30 years ago. She started out as
the original operations department. Now the executive vice president and a director on the board, she is
also the manager of the compliance and operations department.

Tell us about yourself.
I was born in Colorado and lived there until I was about seven years old when my family moved to the
family farm near Barnesville, Minnesota. After high school I moved to Moorhead and attended what is
now M State and graduated with a legal secretarial degree. After working at MSUM for about 13
months, I found my forever job in the trust services area – eight years at American Bank and Trust
Company and 30-plus years at HTC. My husband, Spencer, and I raised our family (four sons) in
Moorhead and after becoming empty nesters, we built a home on Star Lake. One Minnesota winter
commute was enough, so we now also rent a townhome in Fargo.

 

Heartland TrustMeet Sheryl Bernier
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30 Years – Neuropsychiatric Building

Heartland Trust Company turned 30 this year, and we’ve accumulated a bit of history. Each quarterly newsletter this year will have a feature on one of our old locations.
After about five years in the Lightowler Johnson space, the ever-expanding company was in need of more space once again. HTC found that space a couple of blocks away – the top floor at 120 South Eighth Street. The first floor was home to the Neuropsychiatric Research Institute (NRI).

Heartland Trust30 Years – Neuropsychiatric Building
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Estimating Your Retirement Income Needs

Adapted from Broadridge Communication Services

You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Every situation is different, and your specific needs depend on your goals and many other factors.

Heartland TrustEstimating Your Retirement Income Needs
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