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Trust Services

Our non-commissioned fiduciary professionals administer trusts of all sizes and structures, helping to preserve and maintain family wealth since 1919. With a rich heritage and focus on building long-term relationships, CNB is a confident choice as Trustee.           

Common Types of Trusts:
  • Revocable Living Trusts - Created during the lifetime of the Grantor, but can be altered.
  • Irrevocable Trusts - Cannot be altered, changed, modified or revoked after its creation.
  • Charitable Trusts - Benefits a particular charity or the public in general.
  • Testamentary Trusts - "Trust Under Will"; funded from estate assets to fulfill your wishes. 
  • Special Needs Trusts - For beneficiaries with disabilities while maintaining essential needs-based government benefits. 
  • Grantor Retained Income Trusts - Allows a person to remove assets from their taxable estate while maintaining an income interest.
  • QTip Trusts - Enables the Testator to provide for a surviving spouse and direct disposition of the assets at the death of that spouse.
  • Qualified Personal Residence Trusts - An irrevocable trust to hold your residence and remove its value from your taxable estate.  
 

L Carleton

Team of Experienced Trust Experts
Distinguished professional who have advanced degrees and professional certifications with over 196 years of combined experience.

reviews

Regular Reviews
We will meet with you regularly to review your trust, making adjustments based on changes in your life.

 
fiduciary

Full Fiduciary Responsibilities
We can fulfill all fiduciary duties including investment management, tax returns, accountings, and distribution.

rebalancing

Disciplined and Personalized
Investment and financial planning solutions available depending on your situation.


 
 

Discover the CNB difference. 
As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community through our products, personal service, technology, and community support. We offer competitive banking solutions and personalized service that build long-lasting relationships. 

Our non-commissioned fiduciary professionals administer trusts of all sizes and structures, helping to preserve and maintain family wealth since 1919. With a rich heritage and focus on building long-term relationships, CNB is a confident choice as Trustee.           

Common Types of Trusts:
  • Revocable Living Trusts - Created during the lifetime of the Grantor, but can be altered.
  • Irrevocable Trusts - Cannot be altered, changed, modified or revoked after its creation.
  • Charitable Trusts - Benefits a particular charity or the public in general.
  • Testamentary Trusts - "Trust Under Will"; funded from estate assets to fulfill your wishes. 
  • Special Needs Trusts - For beneficiaries with disabilities while maintaining essential needs-based government benefits. 
  • Grantor Retained Income Trusts - Allows a person to remove assets from their taxable estate while maintaining an income interest.
  • QTip Trusts - Enables the Testator to provide for a surviving spouse and direct disposition of the assets at the death of that spouse.
  • Qualified Personal Residence Trusts - An irrevocable trust to hold your residence and remove its value from your taxable estate.  
 

Team of advisors

Team of Experienced Trust Experts
Distinguished professional who have advanced degrees and professional certifications with over 196 years of combined experience.

reviews

Regular Reviews
We will meet with you regularly to review your trust, making adjustments based on changes in your life.

fiduciary

Full Fiduciary Responsibilities
We can fulfill all fiduciary duties including investment management, tax returns, accountings, and distribution.

rebalancing

Disciplined and Personalized
Investment and financial planning solutions available depending on your situation.


Discover the CNB difference.
As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community through our products, personal service, technology, and community support. We offer competitive banking solutions and personalized service that build long-lasting relationships.

This material is provided for general information purposes only and is not a recommendation or solicitation to buy or sell any particular security, product or service. Past performance is not indicative of future investment results. Any investment involves potential risk, including potential loss of capital. Before making any investment decision, please consult your legal, tax and financial advisors. Non-deposit investment products are not bank deposits and are not insured or guaranteed by Canandaigua National Bank & Trust, or any federal or state government or agency and are subject to investment risks, including possible loss of principal amount invested.