Skip to main content

Upgrade for a Better Experience

Canandaigua National Bank & Trust would like to encourage all of our customers to update their internet browsers as new releases are made available. Using the most recent browser version ensures the best security, design experience, speed and functionality.

Continue to CNBank.com

If you have any comments or concerns, please contact our Customer Call Center at 585.394.4260 ext. 0.

You

Comprehensive Planning Services


Comprehensive Planning



Retirement Planning
  • Social Security and Medicare
  • IRA contributions/conversions
  • RMDs/withdrawal strategies
  • Achieving retirement targets
  • Annuities & pension analysis
  • Employer-sponsored plans
  • Budgeting, debt management
 
                                   Investments
  • Review of all portfolios
  • Investment Policy Statement
  • Asset class diversification
  • Withdrawal strategies
  • Risk tolerance
  • Time horizon 
 
                                 Risk Management
  • Life insurance
  • Long-term care solutions
  • Disability insurance
  • Health insurance
  • Home and auto insurance
  • Review existing policies
 
Estate Planning
  • Wills and trust documents
  • Other estate documents
  • Asset protection
  • Beneficiary designations
  • Charitable & family gifting
  • Business succession
  • Asset titling
 
  Income Tax Planning
  • Roth IRA conversions
  • Realized gains and cost basis
  • Tax loss harvesting
  • Asset location strategies
  • Charitable & family gifting
  • Coordinate with tax accountant
 
  College Planning
  • 529 College Savings Plans
  • College financing options
  • UGMA/UTMA
  • School selection process
  • Roth IRAs for children
  • Funding plans 
          
 
 

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.


Comprehensive Planning



Retirement Planning

  • Social Security and Medicare
  • IRA contributions/conversions
  • RMDs/withdrawal strategies
  • Achieving retirement targets
  • Annuities & pension analysis
  • Employer-sponsored plans
  • Budgeting, debt management

 

Investments

  • Review of all portfolios
  • Investment Policy Statement
  • Asset class diversification
  • Withdrawal strategies
  • Risk tolerance
  • Time horizon 

 

Risk Management

  • Life insurance
  • Long-term care solutions
  • Disability insurance
  • Health insurance
  • Home and auto insurance
  • Review existing policies

 

Estate Planning

  • Wills and trust documents
  • Other estate documents
  • Asset protection
  • Beneficiary designations
  • Charitable & family gifting
  • Business succession
  • Asset titling

 

Income Tax Planning

  • Roth IRA conversions
  • Realized gains and cost basis
  • Tax loss harvesting
  • Asset location strategies
  • Charitable & family gifting
  • Coordinate with tax accountant

 

College Planning

  • 529 College Savings Plans
  • College financing options
  • UGMA/UTMA
  • School selection process
  • Roth IRAs for children
  • Funding plans 

 

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.