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Your Bank > Education and Advice > CNB University

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Title
Date
Nov 24, 2013
Podcast: Avoiding Financial Consequences of a Long-term Care Illness

We hope you enjoyed listening to "Ask the Experts" on WHAM 1180, Sunday, November 24th at 8 00pm. Ask the Experts is CNB's financial forum for education and advice as local experts answer your questions on financial topics that interest

Nov 24, 2013
Nov 19, 2013
The 'New' NYS Partnership Long-term Care Plans

        by Susan Suben Susan Suben is the Long Term Care Insurance Consultant for Canandaigua National Bank & Trust.  The NYS Partnership long

Nov 19, 2013
Nov 08, 2013
A Year-end Checkup for Small Businesses

In addition to providing for you and your family, your small business is a part of this country’s job creation engine. Small businesses make up 99.7% of U.S. employer firms and account for 64% of net new private sector jobs.

Nov 08, 2013
Oct 03, 2013
Take a Hard Look at Employee Benefits
The final quarter of the year is the time when many employers typically offer open enrollment.  This selection period gives employees the opportunity to make their benefit elections for the following year.  But mistakes can be costly.  So if it’s open enrollment time where you work, pay close attention to your benefit choices and review them for coverage changes or increases in premiums.  If your employer’s coverage doesn’t meet your needs, your financial professional may be able to help you fill in the gaps.
Oct 03, 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
Dec 11, 2012
Planning for Long-Term Care is a Necessity

        by Susan Suben Susan Suben is the Long Term Care Insurance Consultant for Canandaigua National Bank & Trust.  What is your plan for

Dec 11, 2012
Nov 05, 2012
Keeping It In The Family - Business Succession Planning

For many individuals who have conceived of, created, and built a family business, the dream of passing that business on to another generation can be a powerful goal as the years pass. Unfortunately, the success rate for handing down the

Nov 05, 2012
Oct 19, 2012
Health Savings Accounts Benefits
At Canandaigua National Bank & Trust, we are constantly working to respond to our customers’ growing and changing financial needs by providing innovative and beneficial offerings.  To that end, CNB is excited to announce that we have partnered with a leading national provider, HSA Bank, to bring Health Savings Accounts to our consumers and businesses.  A Health Savings Account (HSA) is a tax-favored account used in conjunction with an HSA-compatible health plan.  The HSA allows you to contribute funds on a pre-tax or tax-deductible basis, which you may use for eligible medical expenses.

Oct 19, 2012
Aug 07, 2012
Assess the Risks to Your Assets
You can lose your wealth in much less time than it took you to accumulate it. Economic hardships, financial market instability, legal claims against you, or unfavorable tax law changes could adversely affect your wealth. Poor investment decisions could have the same result. If you have substantial financial assets, you should regularly perform a risk assessment review to identify areas that may present a threat to your assets.
Aug 07, 2012
Feb 07, 2012
Better Than a Crystal Ball

As you welcome the new year, you’re probably not thinking about the many ways that life could take a turn for the worse. But it could. An illness, a natural disaster, or an unexpected financial setback are only some of

Feb 07, 2012
Jan 06, 2012
Understanding the Four Parts of Medicare Benefits

Medicare, these days, seems like a moving target. The Patient Protection and Affordable Care Act of 2010 made a number of sweeping changes in the way Medicare is delivered and funded. These changes are due to unfold over the next

Jan 06, 2012
Nov 27, 2011
Making Long-Term Care Costs Affordable

We hope you enjoyed listening to "Ask the Experts" on 1180 WHAM, Sunday, November 27th at 8pm. Ask the Experts is CNB’s financial forum for education and advice as local experts answer your questions on financial topics that interest you.

Nov 27, 2011
Jan 21, 2010
Why Did The Premium On My Term Life Insurance Go Up?

 Donna HaflerA Term Life insurance policy is often referred to as pure protection. That is because Term Life Insurance fulfills the true definition of Life Insurance – to replace lost income due to premature death. Term Insurance provides a death

Jan 21, 2010
Jan 21, 2010
Avoiding Estate Tax on Life Insurance

Life insurance makes up a large portion of the estate assets of most individuals. However, many people are unaware that life insurance proceeds may be subject to federal estate taxes.Essentially, insurance on your life will be included in your estate

Jan 21, 2010
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