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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
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
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
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
If your employer provides group disability and life insurance as part of your benefits package, you might think you’re adequately covered. But the coverage you get through your job may pay only a small portion of what you or your
We constantly remind clients to review their estate plans, making sure that wills and other estate planning documents (powers of attorney, living wills, and health care proxies) are up to date. Doing so is necessary but not nearly sufficient. What
The rules really do change when transitioning into retirement. An abrupt switch from accumulating assets to consuming assets, particularly when drawing part of your monthly “retirement paycheck” from your investment and retirement accounts, can be a frightening experience. No longer
Much has been written about the benefits of retirement savings vehicles – 401(k)s, 403(b)s, IRAs, Roth IRAs, and other tax advantaged savings plans. Such vehicles provide a number of benefits. Most offer tax deferral on contributions and on earnings growth
Is your portfolio pieced together by the favorite products sold by multiple financial advisors over the years? Do you own mutual funds, annuities, or even both that seem to be invested in the same segment of the market? Even if
Many retirees consider the decision of when to start receiving Social Security benefits to be a no brainer. But life is not that simple. This may be the most important decision faced by retirees. Making the wrong choice can mean
Going from being single to being part of a couple often means combining households and finances. The transition isn't always a smooth one, especially if the two of you have different money management styles. Communicating clearly about financial matters past,
Many of us will continue to work well into our 70’s and that’s not such a bad thing. After all, it’s a blessing to still be alive, healthy and useful. Over the past half century, medical technology breakthroughs and healthier
We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, March 10th at 8pm. Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.
We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, February 10th at 8pm. Ask the Experts is a financial forum for education and advice as CNB’s experts answer your questions on financial topics that interest you.
Most of us will never win the lottery …or inherit a windfall from a rich uncle …or pick the next million to one hot stock. That’s all luck. Luck will not secure our retirement. Nor will it fund our children’s
72 South Main Street, Canandaigua NY 14424800.724.2621 | 585.394.4260