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Comprehensive Planning Services

CNB Wealth Management provides a holistic client experience by leveraging the resources of our on-staff professionals to provide our clients with a level of expertise, across a variety of disciplines, not commonly available within one organization. These professional designations and certifications include Attorney, CERTIFIED FINANCIAL PLANNER™, Accredited Investment Fiduciary®, Chartered Financial Analyst®, Chartered Special Needs Consultant®, Accredited Asset Management Specialist®, Certified Divorce Financial Analyst®, and more.

  • 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
  • School selection process
  • Roth IRAs for children
  • Funding plans 

This material is provided for general information purposes only. Investments and insurance products are not FDIC insured, not bank deposits, not obligations of, or guaranteed by Canandaigua National Bank & Trust or any of its affiliates. Investments are subject to investment risks, including possible loss of principal amount invested. Past performance is not indicative of future investment results. Before making any investment decision, please consult your legal, tax or financial advisor. Investments and services may be offered through affiliate companies.

Tax information presented is not to be considered as tax advice and cannot be used for the purpose of avoiding tax penalties. Canandaigua National Bank & Trust does not provide tax, legal, or accounting advice. Please consult your personal tax advisor, attorney, or accountant for advice on these matters.