The First National Bank in Sioux Falls has included gifting and estate planning in guidance for reviewing personal finances in 2026. The February 3 article, written by Personal Trust Officer Connor Hurley, sets out a sequence from everyday budgeting to longer-term financial decisions.
Hurley starts with understanding income and spending, then setting aside emergency savings. The guide presents three to six months of expenses as a starting point for discussing that reserve, while identifying concrete goals such as retirement, a home purchase, education costs or debt repayment.
Gifting appears within the review of an investment approach. Hurley recommends examining contributions, asset allocation, taxes and gifting strategies together, so that decisions reflect both short- and long-term goals. He also lists different account
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Daniel Brooks
Daniel Brooks covers payment networks, financial technology, payment security, gift card fraud and PCI DSS for Gift Card News.