About Us

About Canandaigua National Trust Company

Canandaigua National Trust Company of Florida (CNTF) opened its doors in 2009.  However, our corporate history spans more than 125 years.  Our affiliate, Canandaigua National Bank & Trust built its legacy in upstate New York by providing a higher level of personal service and a suite of investment choices tailored to meet the needs of their customers.  We now offer that same commitment to individuals on the Florida Gulf Coast from Tampa to Naples.

We’re ready to help you achieve your financial goals through time-tested trust and investment management strategies— a proven formula that's been successful for generations of investsors in any kind of economic climate.  We can also help you take advantage of the potential tax savings that result from establishing trusts in Florida, whether you’re a permanent or seasonal resident.

The best advice comes from people you know and trust.

And no company gets to know you like Canandaigua National Trust Company of Florida. We offer an experienced, non-commissioned, customer-focused team made up of individuals who live, work, and play where you do. Our financial advisors offer valuable education and advice about everything from investments and financial planning to retirement, trusts, and estates—and specialize in building long-term relationships with our customers. In addition, our team approach allows us to care for your total financial health, so you can achieve your goals and live your dream.

Our Investment Philosophy

It involves a process of disciplined, personalized investment that is focused on your needs, and is consistent with the conservative principles our affiliate, Canandaigua National Bank & Trust, has employed since 1887. It’s designed to not only grow your assets, but keep them secure over shifting economic cycles.

At Canandaigua National Trust Company of Florida, we realize that each customer has unique financial goals. We offer the friendly education and advice you need to accumulate, grow, and maintain the wealth necessary to achieve yours.

The Difference of Canandaigua National Trust Company:

 

Personal Service

What truly separates us from larger financial services firms is our people—experienced, non-commissioned professionals who take the time to understand your needs and goals, and offer the kind of personal service that builds long-term relationships.

We Pledge to Care for Your Financial Needs.

At Canandaigua National Trust Company, we work diligently to earn your trust and believe that entrusting your finances to us entitles you to a higher level of service. That’s why we created our Pledge of Accountability1: a collection of promises that we make to our customers.

This is no limited-time offer. It’s the way our affiliate, CNB, has done business for more than 125 years—consistent with our core values of honesty, integrity, responsibility, teamwork, respect, innovation, professionalism, and commitment.

You see, our expertise may be in numbers. But it’s our word that’s most important.

Maximum Options, Minimum Requirements

We realize that every client has unique financial goals—so we offer the friendly education and advice you need to accumulate, grow, and maintain the wealth necessary to achieve yours.

You’ll enjoy choosing from three distinct investment applications:

  • customized portfolios that are actively managed and carefully assembled with individual securities
  • structured asset allocation comprised of investments from Dimensional Fund Advisors, Inc.2
  • active, manager of managers, asset allocation approach provided through our affiliate, Genesee Valley Trust Company3

While our investment choices are substantial, our minimum investment requirement of $500,000 is a fraction of what other companies require, and each client gets the same exceptional level of service—whether they invest $500,000 or $50 million with us.

The financial advisors of Canandaigua National Trust Company of Florida (CNTF) offer trust and estate services, investment management solutions, IRAs, and fiduciary services to Greater Sarasota and Florida West Gulf Coast communities.

1Pledge of Accountability Fee Refund Rules. You, our Client, are entitled to have the Annual Fee charged by CNTF for management of your CNTF Account returned should we fail to deliver on the “Pledge of Accountability” requirements as described above. The Annual Fee is defined as the then prevailing fee charged by CNTF under the terms of your Account Agreement based on the market value of the assets under management as of March 31 of any given calendar year up to $10,000. Our Pledge of Accountability to you will be effective after you have signed and returned the Pledge to your CNTF Relationship Manager. Only individual accounts where CNTF has full discretion qualify. Custody, Self-Directed and IRA Self-Directed accounts are excluded. To be eligible, your Account must be opened for a minimum of 1 year.

2Portfolios are managed by OBS Financial Services, Inc., an SEC Registered Investment Advisor, and are comprised of investments from Dimensional Fund Advisors, Inc.

3Canandaigua National Trust Company of Florida (CNTF) is an affiliate of Genesee Valley Trust Company (GVT). CNTF and GVT are wholly-owned subsidiaries of Canandaigua National Corporation.

Canandaigua National Trust Company of Florida is an affiliate of Canandaigua National Bank & Trust. This material is provided for general information purposes only and is not a recommendation or solicitation to buy or sell any particular security, product or service. Investments are not bank deposits, are not obligations of, or guaranteed by Canandaigua National Bank & Trust, or Canandaigua National Trust Company of Florida, Genesee Valley Trust Company, or OBS Financial Services, Inc., and are not FDIC insured. Investments are subject to investment risks, including possible loss of principal amount invested. Investments may be offered through affiliate companies. Past performance does not predict future results.

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