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Your Bank > Education and Advice > CNB University

Retirement Planning

Title
Date
Jul 15, 2015
Planning for a Successful Retirement

Think back 40 or 50 years. Formulating personal and career goals often led to thoughts about training, education, career, family, community … How to best prepare oneself to achieve these goals? Yet, how many folks give as much thought to

Jul 15, 2015
Jul 08, 2015
How Does Divorce Affect Social Security Retirement Benefits?

One of the challenges of planning for retirement is that an unexpected event, like divorce, can dramatically change your retirement income needs. If you were counting on your spouse's Social Security benefits to provide some of your retirement income, what

Jul 08, 2015
Jul 07, 2015
Retirement Readiness

Approximately 10,000 Americans will retire every day for the next twenty years. Might you be one of them? Making a successful transition into retirement involves not only financial considerations but also emotional readiness. The former is fairly straightforward the latter

Jul 07, 2015
Jun 09, 2015
Can I Roll a Retirement Plan Distribution into an IRA?

If you're asking this question, you probably have a 401(k) or other retirement plan through a former employer. The short answer is yes most retirement plans allow you to roll your plan funds over into an Individual Retirement Account (IRA)

Jun 09, 2015
Mar 04, 2015
11 Years of Retirement-Related Milestones

Remember the days when it seemed like an eternity waiting those 1 2 years until we could drive …or vote …or graduate?Fast forward 40 or more years, and we are faced with a series of new, not nearly as exciting

Mar 04, 2015
Dec 23, 2014
Deciding What to Do with Your 401(k) Plan When You Change Jobs

When you change jobs, you need to decide what to do with the money in your 401(k) plan. Should you leave it where it is, or take it with you? Should you roll the money over into an IRA or

Dec 23, 2014
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
Nov 13, 2014
Planning for Retirement – Do the Math

So, math wasn’t your favorite subject in school? It may not have been. But when planning for retirement, you just might want to dust off your textbooks and get out your calculator. Crunching the numbers will put you ahead of

Nov 13, 2014
Nov 13, 2014
Diversifying your Nest Egg Account Types

In past articles, we have emphasized the importance of investment diversification. Such diversification refers to your overall investment portfolio and is important at two levels Macro allocation – Choosing a ratio of stock related investments to bond or cash related investments

Nov 13, 2014
Nov 13, 2014
Practicing Retirement

Practice retirement? That sounds a bit strange. After all, isn’t retirement the time to kick back, relax, and do the things you have always dreamed of doing? No work related time pressures, no schedules, no assignments due. What’s to practice? But think

Nov 13, 2014
Aug 14, 2014
New Rule for IRA Rollovers

August, 2014Recently, the IRS has announced a new rule that limits the number of individual retirement account (IRA) rollovers that an individual may complete during any 12 month period. One method used by individuals to transfer funds tax free between

Aug 14, 2014
Jun 13, 2014
IRA Owners Bill of Rights

As Canandaigua National Bank & Trust’s Certified IRA Specialist, I am constantly researching topics and reading articles and various blogs related to IRAs. One recent blog I read is an excellent summary of 10 different rules related to IRAs that you

Jun 13, 2014
Mar 10, 2014
The Pension Decision – Lump Sum or Lifetime Income?

Employer sponsored defined benefit pension plans are quickly becoming a thing of the past, at least in the private sector. Most public employees are still covered by such plans, although a lump sum option generally is not available. For private

Mar 10, 2014
Mar 10, 2014
Roth IRAs – A Good Deal!

It’s no secret that I like Roth IRAs …a lot. The Roth IRA was established by the Taxpayer Relief Act of 1997 and named for its chief legislative sponsor, Senator William Roth of Delaware. It is one of the most

Mar 10, 2014
Feb 26, 2014
Business Owners: Don't Neglect Your Own Retirement Plan

If you're like many small business owners, you pour your heart, soul, and nearly all your money into your business. When it comes to retirement planning, your strategy might be crossing your fingers and hoping your business will provide the

Feb 26, 2014
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