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Employee Details

J Terwilliger 2014

James P. Terwilliger, PhD, CFP®
Senior Vice President, Senior Planning Advisor
(585) 419-0670 x50630
[email protected]

J Terwilliger 2014
James P. Terwilliger, PhD, CFP®
Senior Vice President, Senior Planning Advisor
(585) 419-0670 x50630
[email protected]


James Terwilliger, a Canandaigua native, joined CNB as a personal financial planner following a 30-year career as a scientist and research manager at the Kodak Research Laboratories. Prior to joining CNB, he was a tax preparer and financial advisor at the Canandaigua office of a national financial services firm. Jim works with clients to develop and implement personal financial plans. He authors regular financial columns for CNB in local publications and hosts "Ask the Experts" broadcasts for CNB on WHAM radio.


B.Ch.E., Chemical Engineering, Rensselaer Polytechnic Institute, 1965
M.Ch.E., Chemical Engineering, Rensselaer Polytechnic Institute, 1966
Ph.D., Chemical Engineering, Rensselaer Polytechnic Institute, 1969
IRI Management Program, Harvard Business School, 1990
CFP® curriculum, Medaille College, 2001


Council Member and President, Canandaigua City Council
Chair, Finance Committee, City of Canandaigua
Member, Financial Planning Association
Member, Rochester Chapter of the Estate Planning Council
Past Member and Treasurer, Board of Trustees, Wood Library Association of Canandaigua
Past Advisory Member, Audit Committee, Thompson Health System
Past Member, Board of Trustees, Granger Homestead
Past President and Treasurer, Canandaigua Lake Pure Waters, Ltd.
Past Chair, Finance Team, NCNY Conference, United Methodist Church
Past Chair, Finance, First United Methodist Church of Canandaigua


11 Years of Retirement-Related Milestones
401(k) Plan Options - Leave Alone or Move?
After-Tax Accounts: An Important Piece of the Investment Puzzle
AMT Nixes some Home-Interest-Related Deductions
Beware of the AMT
Checklist: Annual Financial Check-Up
Choosing a Financial Planner
Creating Your Financial Plan
Diversifying Investment Accounts
Diversifying your Nest Egg Account Types
Don’t Shortchange your Retirement Standard of Living
Exploring 401(k) Options for Retirees
Finance Matters: Conserving Retirement Portfolios
Financial Planning Checklist for the New Year
Getting Fiscally Fit
Giving to Charity from Two Pockets
How to Use Qualified Charitable Distributions to Achieve a Win-Win
Inheriting Retirement Plan Assets
It's Time to Catch Up
Just Having a Will is Not Enough
Looking Ahead to Filing 2020 Income Taxes
Lots of Changes in the New Year
Maintaining your Financial Fitness in Turbulent Times
Managing Distributions from Your Retirement Nest Egg
Planning for a Successful Retirement
Planning for Retirement – Do the Math
Planning Opportunities to Consider Before Applying for Social Security
Podcast: Recent Changes to Income Tax Laws
Podcast: Take Control of Your Finances - Make Your Money Work for You
Podcast: Unpacking The SECURE Act - What it is & What it Means for Your Retirement Future
Practicing Retirement
Roth Contributions, Roth Conversions - What to Do?
Roth IRAs – A Good Deal!
Six Steps to Enhancing Your Financial Fitness
Social Security Highlights
Social Security Retirement Benefits: Strategies for Married Couples
Tax Law Changes Help Most Folks... Including Retirees
Tax Law Changes Impact 2016 Tax-Year Returns
The American Rescue Plan – What you Need to Know
The Pension Decision – Lump Sum or Lifetime Income?
The SECURE Act: What You Need to Know
Understanding the Four Parts of Medicare Benefits
Updating your Beneficiary Designations
Ways to Maximize Social Security Retirement Benefits
What You Need to Know About Inheriting an IRA
What's on the horizon for 2010?
When Social Security Behaves Like Insurance
When to Start Social Security Retirement Benefits
Who Will Provide Your Retirement Paycheck?
Will changes in estate tax keep you in NY or send you packing?
Working into the “Retirement” Years – Some Financial Considerations
Working Past Age 70