Services


TRUSTEE SERVICES

  • With Heartland Elite, we act as a discretionary trustee and serve as an ERISA §3(38) investment fiduciary. We are responsible for selecting, monitoring and deselecting core investments. This reduces your investment duties and liabilities.
  • With Heartland Select, you choose to retain the investment duties and we act as a directed trustee. You retain the investment duties and select from more than 25,000 mutual funds, ETFs, CITs and external money managers.

TARGETED EMPLOYEE EDUCATION

  • Multiple resources to estimate future retirement income scenarios.
  • Commitment to "employee-first" strategies; may include group and individual education meetings, virtual meetings, and custom engagement campaigns.
  • An emphasis on adult education and learning strategies.
  • Data-driven, educational approach to employee engagement.
  • Bilingual resources available

CUSTOM PLAN DESIGN

  • We work with you to design a retirement plan based on your needs and those of your employees.
  • Cross-testing expertise allows increased contributions from key employees.
  • Customized testing solutions may provide more favorable testing outcomes.

INVESTMENTS

  • An open menu of more than 25,000 mutual funds, ETFs and CITs.
  • Expert fund selection and diligent monitoring.
  • Relationships with professional money managers offering actively managed risk-based portfolios.
  • Multiple suites of Target Retirement Funds available.
  • Self-directed brokerage link available.
  • DB&T FDIC-Insured Investment Account offers participant-level FDIC insurance protection within your qualified plan.

EXCEPTIONAL SERVICE AND SUPPORT

  • Experienced team led by a dedicated Relationship Manager.
  • A Retirement Specialist or your Plan Advisor acts as your single point of contact.
  • Wide array of administrative functions, including distribution processing, Form 5500 preparation, year-end testing and more.
  • Highly credentialed team includes an ERPA, JD, QPA, APA, CFP®, CLU, CFA, QPFC and several QKAs.