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Your Bank > Education and Advice > CNB University

Financial Planning

Title
Date
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
Sep 24, 2013
Employer-paid Insurance — Is It Enough?

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

Sep 24, 2013
Aug 30, 2013
Updating your Beneficiary Designations

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

Aug 30, 2013
Aug 30, 2013
Don’t Shortchange your Retirement Standard of Living

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

Aug 30, 2013
Jul 10, 2013
After-Tax Accounts: An Important Piece of the Investment Puzzle

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

Jul 10, 2013
Jun 11, 2013
The Importance of Developing a Financial Plan

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

Jun 11, 2013
May 28, 2013
Planning Opportunities to Consider Before Applying for Social Security

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

May 28, 2013
Apr 10, 2013
Dealing with Money as a Duo

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,

Apr 10, 2013
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