Roth IRA

By choosing a Roth IRA, you are able to invest after-tax dollars and take withdrawals completely tax free. To withdrawal without penalty, your Roth IRA must be open for at least 5 years and meet one of the following criteria: must be over the age of 59 1/2, you’re a first-time homebuyer, you are disabled, or withdrawals made by a beneficiary after you die. To decide if a Roth IRA is the right choice for you, browse IRA Options for more details.

Ways to Invest Your IRA

Your retirement years may be a long way off, or just around the corner. Until then, your day-to-day focus needs to be on building your career, not your retirement savings. CNB offers a comprehensive suite of investment options for all retirement accounts, no matter how much you have to invest. Discover the many ways you can invest your account through CNB’s our ChosenTM Structured Portfolios1, ChosenTM Active Portfolios, ChosenTM Retirement Year Portfolios1, and The Chosen Funds®2.

If you would like additional information, please use the contact us form or if you would like to speak with a Financial Services Professional, please call 585.419.0670.

Chosen and The Chosen Funds are trademarks of The Canandaigua National Bank and Trust Company. Before investing using mutual funds consider the fund’s investment objectives, risks, charges and expenses. For more complete information, including charges and expenses, contact your financial advisor for a prospectus. Read the prospectus carefully. 
1Portfolios are managed by OBS Financial Services, Inc., an SEC Registered Investment Advisor, and are comprised of investments from Dimensional Fund Advisors, Inc. 2Investment options are not proprietary mutual funds and are not to be considered a recommendation of any individual security.