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Retirement Planning

Enjoying the Golden Years

Retirement is a major milestone in life, and planning for it is personal.  We can help you reach your retirement goals, and help you develop an individualized plan for every stage of life. Comprehensive retirement planning should include pension or 401(k), personal savings, and Social Security.

A CNB retirement advisor will help you draft and monitor a plan that will incorporate key factors and assumptions, such as:

  • Current age
  • Current and future income
  • Available discretionary funds for annual contributions
  • Assumed average investment returns (based on your individual comfort with volatility/risk)
  • Number of years to your targeted retirement age
  • Family history and actuarial life expectancy
  • Adjustments to these variables year-by-year
  • Investment planning and portfolio management

Through a comprehensive planning process, we will consider and integrate all current and potential assets and retirement vehicles, including:

  • Bank, investment and brokerage accounts
  • Potential inheritance and other future windfalls
  • Employer sponsored plans (pension, 401k, thrift, 457, 403b, etc.)
  • Real estate (residential, vacation, income, and other)
  • Traditional and Roth IRAs
  • Insurance and annuity policies
  • Your business(s)
  • Your business retirement plans (401K, profit-sharing, simple IRA/401k, SEP, pension, cash balance, target benefit, deferred compensation, etc.)
  • Other assets

Additionally, CNB Wealth Management offers a wide-range of investment options tailored for your specific needs, goals, and risk tolerance.

Retirement Planning

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Insurance Services

Covr® offers a wide range of products to meet your life and health insurance needs.

Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value