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Your Bank > Education and Advice > CNB University

Financial Planning

Title
Date
Apr 13, 2016
Helping Aging Parents the Right Way

As your parents age, they may turn to you for assistance. Whether they begin the conversation or you do, how can you help guide them in the right direction while respecting their autonomy?

Apr 13, 2016
Apr 05, 2016
NextGen Financial Roadmap
There is a shift in the American Dream among the younger generations (Gen X & Millennials). The previous notions of finding a company job out of college or high school, working there 40 years, buying a home with a 2 car garage and white picket fence, then retiring at 60 with a nice pension and a gold watch are not common realities today. Even with a change in lifestyle goals, there are some sound financial points to consider to ensure a strong financial footing.
Apr 05, 2016
Mar 07, 2016
Are You Missing out on Some Valuable Veterans Benefits?

While you may be aware of some of the basic veterans benefits such as health care and education, there are several benefits that may be available to veterans and their family members that you may not know about. Here are just a few of those underutilized benefits.

Mar 07, 2016
Feb 01, 2016
Social Security Changes in 2016
Social Security claiming strategies have been a key financial topic in recent years, especially as Baby Boomers are planning for and entering into Retirement. As part of the Congressional Budget deal just struck in October by House Republicans and President Obama, two key Social Security claiming strategies have been closed, ending two income-bolstering approaches that benefited married (and divorced) couples, and in some cases their dependents.
Feb 01, 2016
Jan 22, 2016
Denmark? Why Investing Abroad Contributes to Long-Term Success
Rich Scandinavian culture, clean energy, and the home of LEGOS. To most investor’s surprise, Denmark was the best performing developed market in 2015, up 23% as measured by the MSCI Denmark Index (USD). Hungary on the other hand was the best emerging market in 2015 up 36% as measured by the MSCI Hungary Index (USD).
Jan 22, 2016
Jan 11, 2016
Three Tax Planning Concepts
There are many ways to potentially reduce your tax burden. Here are three tax planning concepts that you should be familiar with.
Jan 11, 2016
Dec 31, 2015
The Medicare Premium Spike – Averted!

You may have heard that Medicare will be costing you a lot more in 2016, with premiums increasing perhaps over 50%. Rest assured that is not the case. In fact, it’s quite likely you will pay the same as you did in 2015.

Dec 31, 2015
Dec 21, 2015
Taxes, Retirement, and Timing Social Security
The advantages of tax deferral are often emphasized when it comes to saving for retirement. So it might seem like a good idea to hold off on taking taxable distributions from retirement plans for as long as possible. But sometimes it may make more sense to take taxable distributions from retirement plans in the early years of retirement while deferring the start of Social Security retirement benefits.
Dec 21, 2015
Sep 15, 2015
Financial Mistakes People Make at Different Ages

There's a saying that with age comes wisdom, but this may not always be true in the financial world. As people move through different life stages, there are new opportunities and potential pitfalls around every corner. In your 20s Living

Sep 15, 2015
Sep 03, 2015
Working Past Age 70

Age 65 tended to be the standard retirement age back a generation or more ago. That was when working for a single company for 40 plus years and receiving a guaranteed lifetime pension during retirement were the norm. My, how

Sep 03, 2015
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
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