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We know investment planning can seem overwhelming.
Make an appointment, meet your team, and start planning for the future.
We are here for you.
Questions? Feel free to or call us at 217-875-3131 or send us an email.
PROTECT. PRESERVE. INVESTED.
The Trust and Wealth Management division offers integrity, experience, and peace of mind to our clients:
- Traditional trust and estate settlement services.
- Employee benefit and retirement services.
- Investment management services for individuals, foundations
and not-for-profit organizations. - Fiduciary assistance to put your interests first, ahead of anyone else, even the bank.
We look forward to serving you as one of our valued clients.
ADVANTAGES
- Accountability. We keep detailed and accurate records with timely accounting of principal and income as well as delivery of regular statements to beneficiaries.
- Long-Term Management. A friend or a relative may become ill or incapable of managing the trust while a corporate trustee will always have backup.
- Objectivity. Family members or friends may have emotional conflicts that can influence trustee decision-making while a corporate trustee operates in an objective environment.
- Expertise/Experience. Our team of experienced professionals are knowledgeable and fully prepared to navigate tax law, accounting matters, and trust management complexities.
- Regulatory Compliance. We strictly adhere to State and Federal regulations and will, at least annually, be reviewed by an independent auditor.
- Liability Protection. We offer insurance coverage and capital surplus in the unlikely event that a fraudulent investment or other situation might affect trust assets.
FAQs
At Hickory Point Bank & Trust, we help Central Illinois families and individuals make confident financial decisions that stand the test of time. As fiduciaries, we go beyond investment performance — we connect your finances, goals, and legacy into one clear plan. Whether you’re preparing for retirement, managing a trust, or coordinating a family estate, our local team brings the experience, care, and accountability you deserve.
Most advisors manage investments. We manage lives. As fiduciaries, our role goes beyond performance, we consider how every decision today affects your long-term goals, legacy, and loved ones.
Being a fiduciary means we are legally and ethically obligated to put your best interests first. Unlike some advisors tied to commissions or product sales, our advice is built solely around you and your goals.
When your advisor, trust officer, and decision-makers are local, you aren’t just a client number, you’re a relationship. Our team lives and works in Central Illinois, making it easier to meet, adapt, and make decisions without the red tape of distant corporate offices.
We don’t chase trends or rely on “model portfolios.” We build customized strategies designed for stability, tax efficiency, and peace of mind so your money supports both your now and your next.
Yes, and that’s where we truly stand out. Because our team works across investment services, estates, and trusts, you get a single, coordinated plan that keeps your financial life organized and future-ready.
We manage investment portfolios, IRAs, trusts, estates, and conservatorships, and we also help clients create long-term financial plans that tie everything together.
If you have money you want to invest and want professional guidance that aligns your wealth with your life goals, it’s worth a conversation. We help clients simplify complexity and gain confidence in their next chapter.
Our fees are transparent and based on assets under management, no hidden commissions or product kickbacks. You’ll always know exactly what you’re paying and what you’re getting in return.
Our fiduciary role ensures that your plan continues without interruption. We provide continuity and care so your family isn’t left trying to figure things out when life changes unexpectedly.
It begins with a conversation. We’ll review your goals, investments, and what matters most to you, then show how our fiduciary team can help you move forward with clarity and confidence.
- We provide professional estate settlement services. As a corporate fiduciary we will strictly abide by the elements of the Will without being swayed by interpersonal family issues. Our accounting and reporting mechanisms provide complete transparency thereby preserving family harmony.
- Agent for Executor
- We provide professional estate settlement services and keep the Executor updated as to the various steps and processes of settling the estate. A valuable service for individuals named as Executor/Executrix that may want to fulfill this role as named, but may not have the time and/or expertise to do so.
We act as your trustee and can take on the responsibility for keeping your financial affairs in order in the event of your incapacity. Revocable living trusts preserve family privacy because, unlike a will, they are not a matter of public record at the time of the person’s death.
Charitable trusts have long been an important part of estate planning. The key to using today’s charitable trusts successfully is to design an approach tailored to your own particular set of charitable intentions and family financial planning objectives.
Trusts are appropriate when leaving someone the benefits of property without the burdens of its management. Our trust officers remain in close contact with the families we serve, providing the comfort of knowing these discretionary powers will be exercised with understanding.
Agent for Executor: An individual may want to fulfill their role as trustee, but may hire HPB as their agent to perform the investment management, accounting, and reporting services and advise them on the fiduciary duties and obligations of being a trustee.
When the Court directs that a financial settlement be placed with a corporate trustee, because the beneficiary is a minor or an adult who has been declared incompetent, HPB will act as the financial guardian. We will invest the proceeds for the beneficiary considering the time horizon for the investments, income needs, growth requirements, and tolerance for risk.
Your financial future deserves more than a one-size-fits-all plan.
