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. Heartland Bank Tst WEALTH MANAGEMENT hbtbank.com I 855-244-1217 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 return and possible loss of principal. SM-PR1726481 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. Heartland Bank Tst WEALTH MANAGEMENT hbtbank.com I 855-244-1217 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 return and possible loss of principal. SM-PR1726481