If not now, when? Organize your financial life Life has a way of changing your long-term goals. Now is the time to review and update your financial plan to meet your retirement needs. WEALTH MANAGEMENT hbtbank.com I 855-244-1217 Heartland Bank and Trust Company Securities and insurance products are NOT deposits of Heartland Bank, are NOT FDIC insured, are NOT guaranteed by or obligations of the bank, and are subject to potential fluctuation in retum and possible loss of principal. If not now, when? Organize your financial life Life has a way of changing your long-term goals. Now is the time to review and update your financial plan to meet your retirement needs. WEALTH MANAGEMENT hbtbank.com I 855-244-1217 Heartland Bank and Trust Company Securities and insurance products are NOT deposits of Heartland Bank, are NOT FDIC insured, are NOT guaranteed by or obligations of the bank, and are subject to potential fluctuation in retum and possible loss of principal.