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Your Bank > Education and Advice > CNB University

Financial Planning

Title
Date
Aug 12, 2015
Withdrawing Money in Retirement

If you’ve done the tough work of accumulating savings, you may be wondering how much can be safely withdrawn each year without running out of money in your lifetime. This is important to know since some folks hate to take

Aug 12, 2015
Aug 04, 2015
Age-Based Tips for Making the Most of Your Retirement Savings Plan

No matter what your age, your work based retirement savings plan can be a key component of your overall financial strategy. Following are some age based points to consider when determining how to put your plan to work for you.

Aug 04, 2015
Jun 24, 2015
Saving or Investing: Is There a Difference?

Financially speaking, the terms "saving" and "investing" are often used interchangeably. But the concepts behind these terms actually have some important differences. Understanding these differences and taking advantage of them may help you in working toward financial goals for you

Jun 24, 2015
Jun 04, 2015
To Procrastinate or Not? That Is The Financial Question

The definition of the word procrastinate is to delay or postpone action put off doing something. If we get sick, many of us will not delay or postpone a trip to the doctor and or recommended medication. Why? Because the

Jun 04, 2015
Apr 22, 2015
Welcoming Mike Schiller To Our Wealth Strategies Group!

Michael Schiller has over 23 years of experience in the financial services industry and has been with Canandaigua National Bank & Trust since 2008. As a Financial Planning Officer, Mike provides clients at any life stage the tools and resources

Apr 22, 2015
Apr 07, 2015
Helping Your Parents Manage Their Finances

As the U.S. population gets older, more people, particularly baby boomers, are confronting a dilemma. As parents age, their ability to manage their own finances may decline. That can make it more likely that they may neglect the life savings

Apr 07, 2015
Mar 31, 2015
The Benefits of Planning for Incapacity

Most people comprehend the necessity of having a Will for the orderly transfer of their assets when they die. Fewer people realize the importance of planning for incapacity. Perhaps this is because while mortality is 100% certain, disability is less

Mar 31, 2015
Dec 08, 2014
Taking Advantage of Employer-Sponsored Retirement Plans

Employer sponsored qualified retirement plans such as 401(k)s are some of the most powerful retirement savings tools available. If your employer offers such a plan and you're not participating in it, you should be. Once you're participating in a plan,

Dec 08, 2014
Sep 28, 2014
Podcast: Six Keys to Financial Success for Women
Do women have to take a different approach to planning finances?
Sep 28, 2014
Jul 14, 2014
Balancing Your Investment Choices with Asset Allocation

Nathan E. VanBortelRegistered Representative, Canandaigua Investment Services18 State Street, Pittsford585 394 4260 ext. 41033nathan.vanbortel@ceterais.com A chocolate cake. Pasta. A pancake. They're all very different, but they generally involve flour, eggs, and

Jul 14, 2014
Mar 30, 2014
Podcast: Enhancing Your Financial Fitness in 2014 and Beyond

We hope you enjoyed listening to "Ask the Experts" on News Radio WHAM 1180, broadcasted on Sunday, March 30th at 8 00pm. Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on

Mar 30, 2014
Jan 03, 2014
It’s 2014, Do You Know Where Your Money Is?

December and January are the perfect months to look back at what you earned, saved, and spent during the past year, as W 2s, account statements, and other year end financial summaries roll in. So before Punxsutawney Phil comes out

Jan 03, 2014
Nov 13, 2013
Helping the Taxman to a Smaller Bite

Too soon to be thinking about income taxes? Not if you want to reduce your 2013 tax obligation. Waiting too long can rob you of the opportunity to use strategies, such as those below, that may help lower your bill

Nov 13, 2013
Sep 24, 2013
When Social Security Behaves Like Insurance

We previously published articles dealing with preferred strategies for claiming Social Security retirement benefits. What is not appreciated by many is that by managing claiming strategies carefully, it is possible to build the equivalent of a sizeable longevity insurance benefit

Sep 24, 2013
Sep 24, 2013
Working into the “Retirement” Years – Some Financial Considerations

More and more folks these days are working beyond, sometimes well beyond, what used to be considered the standard retirement age of 65. Recent changes in full retirement age for Social Security are consistent with this trend – age 66

Sep 24, 2013
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