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Cator, Donna CFP®

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Jun 28, 2022
Should You Convert Your Traditional IRA to a Roth IRA?
There are many reasons to consider having a Roth IRA as part of your retirement picture, and anyone can convert a traditional IRA to a Roth IRA in 2022. There are no income limits or restrictions based on your tax filing status. You generally must include the amount you convert in your gross income for the year of conversion, but the post-tax portion of any conversion won't be taxed when you convert.
Jun 28, 2022
Feb 23, 2022
Podcast: Divorce After 50 and Finances

While divorce can happen at any age, over the last 20 years, the rate of divorce has doubled for couples over 50. In this episode, Donna Cator, CFP®, CDFA®, Vice President, Wealth Advisor and Margaret Whelehan, CDFA®, Vice President, Financial Advisor with CNB Wealth Management join CNB’s Pittsford Bank Office Manager, Harry Gibbs and Laurie Haelen, AIF®, Senior Vice President, Manager of Investment and Financial Planning Solutions, to discuss this trend. Tune in to learn more about the unique financial challenges divorce poses to people over the age of 50 and how a Certified Divorce Financial Analyst® can help.

Feb 23, 2022
Dec 16, 2021
A Few Key Updates About Required Minimum Distributions
As we approach the end of 2021, now might be a good time to take a closer look at a few developments surrounding required minimum distributions (RMDs) and take note of what has remained in place.
Dec 16, 2021
Jul 23, 2021
Podcast: How to Protect Yourself Financially When Going Through a Divorce
Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you. The experts of this show featured Donna L. Cator, CFP®, CDFA®, Vice President, Wealth Advisor, and Margaret M. Whelehan, CDFA®, Vice President, Financial Advisor.
Jul 23, 2021
Mar 26, 2021
Podcast: Budgeting - Needs, Wants, and Wishes

Budgeting is the foundation of a great financial plan. But how can establishing a budget provide you with more financial freedom and less financial stress? In this episode, Laurie Haelen, AIF®, Senior Vice President, Manager of Investment and Financial Planning Solutions and Donna Cator, CFP®, CDFA®, Vice President, Wealth Advisor with CNB Wealth Management, join CNB’s Pittsford Bank Office Manager, Harry Gibbs, to break down the basics of budgeting. What is a budget? Why is having a budget important? How do you get started? We answer these questions and more so you can put this financial tool to work in your own life.

Mar 26, 2021
Oct 17, 2019
Women and Money: Take Control of your Financial Future
Women are experiencing an entirely new relationship with money than previous generations. Women are buying homes, raising children on their own, building thriving careers, and owning their own businesses. As a result, nearly half of women are the primary breadwinners in their households. Even so, women have unique challenges that need to be addressed in order to ensure lifetime financial success and independence.
Oct 17, 2019
Jun 26, 2019
Retirement Plan Considerations for the Millennial
Every generation has to plan for retirement, each having different obstacles to overcome. For Millennials, those born between 1980 and 1999, there are multiple challenges. Remaining focused on a retirement that could be more than 40 years away is tough, particularly while your hard earned paycheck is competing with rent, student loans, a car payment, and a social life. The message here is: keep your eye on the prize and follow these tips.
Jun 26, 2019
Nov 30, 2018
Podcast: Common Estate Planning Mistakes & How to Avoid Them

Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.  The experts of this show featured Donna L. Cator, CFP®, CDFA®, Vice President, Wealth Advisor, and Jillian

Nov 30, 2018
Aug 04, 2017
Podcast: Avoiding Costly Estate Planning Mistakes

Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.  The experts of this show featured Donna Cator, CFP®, CDFA® and Rita Nischal, Esq., Vice Presidents from the

Aug 04, 2017
Jul 11, 2017
Navigating the Financial Impact of Divorce
Anyone who has been through a divorce knows the emotional and financial challenges it may bring. Even the most amicable divorce brings major life changes. Having the guidance of a qualified team of professionals will put the odds in your favor to emerge from your divorce in a financially stable place where both parties believe the divorce settlement was fair.
Jul 11, 2017
Jul 11, 2016
What's New in the World of Higher Education?

If you're a parent or grandparent of a college student or soon to be college student, you might be interested to learn what's new in the world of higher education.

Jul 11, 2016
Sep 26, 2015
Podcast: Top 10 Social Security Myths
Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you. Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you. The experts of this show featured Donna Cator, CFP®, Vice President and Investment and Financial Planning Officer, and Maggie Whelehan, Personal Banking Manager.
Sep 26, 2015
Jul 08, 2015
How Does Divorce Affect Social Security Retirement Benefits?

One of the challenges of planning for retirement is that an unexpected event, like divorce, can dramatically change your retirement income needs. If you were counting on your spouse's Social Security benefits to provide some of your retirement income, what

Jul 08, 2015
Sep 02, 2014
Best Practices When Taking 529 Plan Withdrawals

To make the most of your Section 529 college savings plan, consider the following Qualified expenses.  Withdrawals from a 529 college savings plan are tax free, provided the withdrawals are not more than the account beneficiary’s qualified higher education expenses

Sep 02, 2014
Jul 14, 2014
Social Security Benefits Increase in 2014

After announcing that benefits increased 1.5% for 2014, the Social Security Administration provided some other information that may be of interest. The average benefit payable to retired workers is an estimated $1,294 a month (as of January 2014). Retired couples...

Jul 14, 2014
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