Richard R. Otto Registered Representative 402-488-8404

Heartland Community Bank investment services meet client financial objectives with investments selected to meet their goals. We guide you through various stages of your life, including retirement and education strategies.

We offer a variety of investment alternatives and services to meet your needs, including:

• Tax Free Mutual Funds
• Stock Mutual Funds
• Annuities
• Company Retirement Plans
• Life Insurance
• Traditional and Roth IRAs
• College Funding

Our investment professional, Rick Otto, is experienced in looking at an investor’s entire financial picture. With backgrounds as a Bank Trust Officer, Bank President, and investment strategies experience, Rick can work with you to develop a strategy that can help with your current and long-term objectives.

Mutual funds, variable products and other investments: are not a deposit product, not insured by FDIC or any other agency of Federal Government, or other obligations of any Bank, are not guaranteed by any Bank or any other affiliated entity, are subject to investment risks, including possible loss of principal invested, are not insured by the Securities Investors Protection Corporation (SIPC) as to loss of principal.

Heartland Community Bank and Woodbury Financial Services, Inc. are not affiliated entities. Neither Woodbury Financial Services, Inc., nor its registered representatives or employees, provide tax or legal advice. As with all matters of tax or legal nature, you should consult with your tax or legal counsel for advice.

Securities offered through Woodbury Financial Services, Inc., a registered broker/dealer and member FINRA/SIPC, Box 64284, St Paul, MN 55164. 800-800-2638. Licensed in Nebraska, Iowa, Wisconsin, Missouri, and California.