Blogs

There are many ways to structure a retirement plan for an organization and its plan participants. As an employer, it’s important to find an attentive advisor that provides ongoing, valuable guidance, and there is not a better partner than HTLF Retirement Plan Services. "[The client] checked his personal investment expense ratios against the menu we could provide. The ‘light clicked on’ when he saw how much money he was losing due to the high investment expenses and poor investment options." —Relationship Manager, HTLF Retirement Plan Services A company selling large construction and...

The choice to return jobs to the U.S. makes sense for certain industries, but not for others. In some cases, businesses are reshoring only certain portions of their manufacturing. The pros and cons that must be taken into consideration are immense. One of the most enticing options for owners and executives that want to curb the negative effects of inflation and an injured supply chain is reshoring. This is because inflationary pressures and constant supply chain disruptions have presented business executives around the world with challenges that pose a risk to any notion of consistent growth...

Recent legislation has allowed for significant capital-gains tax savings on investments in designated opportunity zones (“OZs”). There are over 8,000 Opportunity Zones spread throughout all 50 states and U.S. territories, with the entire island of Puerto Rico being one. In general, the zones were designated by governors and located within low-to-moderate income census tracts. This program could offer considerable benefits for investors, lenders and the communities located in OZs, but the benefits do come with risk and some unknowns. In a very basic sense, Opportunity Zone legislation reduces...

This business was just a budding idea driven by the passion of wanting to help people communicate stories of love, sorrow and everything in between through the language of flowers. A vision to revolutionize the flower-buying experience and to put meaning and significance back into what had become a mostly commoditized experience, was born. “When the pandemic hit and so many others were waiting and didn’t have a resource for Paycheck Protection Program loans, that didn’t happen to us. We had a resource and were treated with the same respect as a big company.” Owner, Floral Company Our banking...

Skyrocketing inflation without a clear end in sight has businesses and consumers rethinking their financial strategies for 2022. Now is the time to not only secure your business prospects for the coming months but also to inflation-proof your operations for future spikes. With strategic changes and precautions, you could make 2022 more profitable than pre-Covid returns—inflation or not! Jump To... Causes of inflation | Covid-19 pandemic | Financial health evaluation | Operating profit margin | Shareholder profitability assessment | 2022 financial strategy | RPA (robotic process automation) |...