Consolidate your retirement accounts, and let our experts help you determine the right investment plan to meet your goals.
Simplify your Traditional IRA, Roth IRA, and prior 401(k) assets into a Rollover IRA at Canandaigua National Trust Company. Your retirement plan will become more efficient, and easier to manage and understand. We’ll help you create a personalized plan to ensure that your investment strategy supports your goals. Plus, you’ll receive a higher level of personal service—and our Pledge of Accountability, which includes a money back guarantee*.
What to Do with Plan Assets from a Previous Employer
You may be considering an IRA rollover due to leaving a past job. We can help you through the process with rollover alternatives. Choices for your retirement assets:
- Leave the money where it is.
Problem: May have limitations under your prior employers plan, and cannot make further contributions
- Move the money to a new employers plan.
Problem: New employer may not accept rollovers, may have limitations on investment options
- Withdrawal the money and incur penalties.
Problem: Could lose nearly half of your income due to Federal and State taxes, along with an additional 10% penalty
- Rollover the assets into an IRA with Canandaigua National Trust Company.
- Continued tax-deferred growth of your retirement income
- Avoids potential taxes and penalties
- Exceptional guidance and support from our experienced Retirement Services Officers
- Wide spectrum of investment options
How to Get Started
Our experienced Retirement Service Officers are available for a personal consultation to help you determine the right investment strategy to meet your needs and goals.
It’s a great feeling when everything comes together. So contact us at 585-419-0670 and let our experts develop a retirement plan that supports your goals.
||If you would like additional information, please use the contact us form or if you would like to speak with a Financial Services Professional, please call 941.366.7222 ext. 50722.
*Pledge 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 defi ned 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.
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, 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.