Your Bank > Education and Advice > CNB University

Ways to Maximize Social Security Retirement Benefits

J Terwilliger 2014
James P. Terwilliger, PhD, CFP®
Retired 2/2022, Senior Vice President, Senior Planning Advisor
[email protected]
(585) 419-0670 x50630
D Cator 2014
Donna L. Cator, CFP®, CDFA®
Vice President, Wealth Advisor
[email protected]
(585) 394-4260 x50623

You Have Choices.

We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, May 22nd at 8pm.

Ask the Experts is CNB’s financial forum for education and advice as local experts answer your questions on financial topics that interest you. The experts of the last call included Jim Terwilliger, PhD, CFP® Vice President and Financial Planning Manager, and Donna Cator, CFP® Vice President and Financial Planning Officer.

Highlights From the Show

Topic Audio Clip

The Choices You Have for Your Social Security Benefits


Advantages of Delaying Your Benefits


What is Full Retirement Age for Social Security?


Question: How does part-time work affect my benefit?


Spousal vs. Survival Social Security Benefits


CNB Consultations


Question: Is there an advantage to delay benefits past the age of 70?


CNB Experience of Social Security Planning


You can also listen to the broadcast in its entirety here:


For questions, feel free to contact Jim Terwilliger  or Donna Cator .

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.