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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.  

K Kinney

Team of Experienced Trust Experts

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


Regular Reviews

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


Full Fiduciary Responsibilities

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


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. Our CNB Wealth Management is here to service individuals, families, businesses, foundations, and not-for-profits. Their expertise includes investments, financial planning, trust & estate, retirement, institutional, private banking, family wealth and more. With a local presence and commitment to concierge-level service, they will deliver an experience that exceeds expectations.

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.