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Theresa Nikolaus

Vice President, Regional Delivery Manager - Consumer (St. Louis) at UMB Bank
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Theresa is the Vice President and Regional Delivery Manager at UMB Bank. She is responsible for the consumer retail division in St. Louis, where she manages the operations of 13 branches, 65 associates and 13 direct reports. Theresa leads the team on UMB Bank's sales initiative while making sure they are operationally sound and that they are focused on their customers.

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  • UMB Bank
    Vice President, Regional Delivery Manager - Consumer (St. Louis)
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  • Avoiding Common CD Maturity Mistakes: Expert Insights
    Theresa advises against the "set it and forget it" approach, recommending active management of CD investments. She suggests a CD laddering strategy for regular fund access and interest growth. Avoid auto-renewal; instead, reassess allocations. Always shop for the best rates with your advisor's help. Moving funds to a savings account depends on your financial goals, but CDs typically offer better interest rates.
  • When to Tap into Your Emergency Fund: Expert Advice
    Theresa advises using emergency funds for "unexpected or unplanned expenses" like car, home, or medical costs. Avoid using them if you can pay with cash or plan ahead. After using the fund, prioritize replenishing it by creating a repayment plan. This ensures you're prepared for future emergencies.
  • UMB Bank VP Discusses 50/30/20 Budgeting Rule Pros and Cons
    Theresa highlights that the 50/30/20 rule is great for organizing finances and motivating savings but may not be aggressive enough for debt repayment. "This method is best for those first creating a budget." Alternatives include personalized plans with a financial advisor.
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