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Your Bank > Education and Advice > CNB University

Kelly-Dohse, Denise

Title
Date
Sep 22, 2013
Podcast: Take Charge of Your Retirement

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 Denise Kelly-Dohse, Assistant Vice President, Financial Planning Officer and Mark Mazzochetti, CISP, Vice President, Retirement Services Officer, as they discussed ways to take charge of your retirement.

Sep 22, 2013
Jul 10, 2013
Federal Estate Tax Exemption — “Permanent” and Portable

When estate taxes hit, they can hit hard. So taxpayers can take a lot of comfort in the fact that the American Taxpayer Relief Act (ATRA) dated January 3, 2013 has set the federal estate tax exemption at $5.25 million

Jul 10, 2013
May 19, 2013
Podcast: Social Security, An Undervalued Retirement Resource

We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, May 19th at 7pm. Ask the Experts is CNB's financial forum for education and advice as local experts answer your questions on financial topics that interest you.

May 19, 2013
Aug 27, 2012
A Retirement Budget that Works

There’s no time like the present to start thinking about your retirement budget — even if retirement is still several years away. By looking ahead, you’ll be able to see if the money you’ve saved will be adequate to meet

Aug 27, 2012
Jul 29, 2012
How to avoid the ten most-costly estate planning mistakes

"Ask the Experts" on 1180 WHAM, Sunday, July 29, 2012, where the Experts discussed how to avoid the ten most-costly estate planning mistakes.

Jul 29, 2012
Jul 11, 2012
A Vacation from Your Finances? There’s No Such Getaway

You can get away from your job, your home, and your neighbor’s barking dog, but your finances follow you wherever you go. So, it makes sense to review your financial situation at least annually to find out where you stand and whether you need to make any changes to your spending plan. Household Spending — No Day at the Beach When you developed your spending plan, you probably had a clear picture of your monthly expenses — mortgage or rent, utilities, food, transportation, taxes, clothing, entertainment, savings, and other bills. But, over time, some costs may have changed. Your taxes may have increased, your utility bills may be higher due to rising fuel costs, and so on. By reviewing the past year’s income and expenses, you’ll be able to tell if your plan is still realistic or whether you need to make adjustments. Track expenses by going through your checkbook register or online banking statements to find out exactly how much money you’ve spent on each budget item. Compare the actual amounts with your budget estimates and then adjust your plan if necessary. Tide’s in on Your Debt Load Do you carry a balance on your credit cards? If so, do you know what the balance is on each card? It’s easy to forget how much you’ve charged — until your statement arrives and you discover that the total is bigger than you expected. To reduce your balances, pay more than the minimum each month and stop charging. Then, come up with a concrete plan to reduce your debt. You could save a bundle of money in interest charges. On Top of Your Retirement Game Contributing the maximum amount to your employer’s retirement plan — or at least enough to take advantage of any employer match — can help you reach your future financial goals. Be sure to measure the performance of all your investments against appropriate benchmarks and rebalance your portfolio if you need to. Get Your Feet Wet Thinking about your tax situation now may save you money at income-tax time. Review tax-saving strategies, such as making charitable donations, funding an individual retirement account, and bunching or deferring miscellaneous and medical expenses.

Jul 11, 2012
May 20, 2012
Ways to Maximize Your Social Security Retirement Benefits

Podcast of Donna Cator, CFP®, Vice President, Financial Planning Officer and Denise Kelly-Dohse, Assistant Vice President, Financial Planning Officer discussing ways to maximize your Social Security retirement benefits.

May 20, 2012
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