If you’ve accumulated or inherited assets, it’s important to plan for the transfer of this wealth – whether you want your assets to go to future generations or to your favorite charitable causes.

At Heritage Bank of Central Illinois, we take the time to get to know each customer and his or her goals. This is especially true when it comes to trust services. After all, you’ve worked a lifetime to earn, save and grow your assets.
A Team Approach

We work in conjunction with your attorney and tax professional to provide the guidance and tools to help you create a plan for transferring these assets according to your wishes. This plan may incorporate strategies for meeting your retirement goals, reducing the impact of taxes on your heirs and establishing trusts for asset distribution.

Heritage Bank has been serving customers in Central Illinois since 1920 and continues to grow to meet the needs of the community. Our trust department is one such example of our commitment to providing a full range of services within our customer-friendly bank.

If you would like to learn more about our trust services, please contact Clayton Apt, Trust Officer, at 309.427.6860.
NOTE: This web site is not designed to provide legal, tax or accounting advice. As a service to users, general information is provided. Contact your lawyer, tax professional or accountant for advice on your specific situation.


Do I need Trust Services?
Many people assume that only billionaires need trust services. This can be a costly assumption.
The Heritage Bank Trust Department offers a range of services including Trust Administration, Estate Administration and Investment Management. We have listed a few of the situations in which an individual, family or business may be able to benefit from the customized services we offer. Here are some questions to ask yourself:
• Have I inherited a large sum of money and want to be sure it’s well managed?
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Do I have young children?
(A trust can define the use of life insurance proceeds to fund college education or other career ambitions.)
•

Do I have children or other family members with special needs?
(If a family member is not physically or mentally capable of supporting him/herself, then a trust can provide for his or her care.)
•

Do I own property or assets that would be difficult to evenly divide?
(For example, a farm, business or vacation home.)
•

Would I like to leave a legacy to my college or university, my favorite arts organization or a scientific research foundation?
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Do I have a family member who is financially irresponsible?
(A trust can reduce the possibility that an heir will frivolously spend your hard-earned money.)
•

Do I have children from a previous marriage who I want to ensure will benefit from my estate?
•

Do I know what my estate is worth?
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