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Let's plan for something really amazing: The future.
For years, we've been helping individuals and businesses plan, prepare, and look confidently towards the future. With programs specifically designed for real-world opportunities and challenges, our financial services specialists help customers make smart decisions now that could have big payoffs later.
Personal Financial Services
Located at your hometown bank, we have a genuine interest in helping you establish and maintain financial security. We provide a comprehensive array of financial services and dedicated, experienced specialists to guide you every step of the way.
Personal Financial Services offered:
- Retirement Strategies
- Investment Management
- Education Savings
- Life Insurance
- Long-term Care Insurance
Business Financial Services
Our team of financial services specialists helps businesses make essential back-office decisions, from investments to employee programs to retirement. We've done it for thousands of businesses—let us do it for yours.
Business Financial Services offered:
- Investment Management
- Employer & Employee Benefits
- Retirement Strategies
Meet Your Financial Services Team
ROBERT KOCZENT
Vice President, Director of Financial Services
Locations: Penn Yan
(315) 781-5009 (Office) rkoczent@bankwithlnb.com
DAVID DERADDO
CFP® CHFC®
Vice President
Locations: Canandaigua, Farmington, Geneva, Macedon, Perinton Park
(315) 828-6333 (Office) dderaddo@bankwithlnb.com
KIM EMPERATO
CRPC® WMCP®
Wealth Manager CRPC Conferred by College for Financial Planning
Locations: Auburn, Jordan, Seneca County
(315) 567-0214 (Office) kemperato@bankwithlnb.com
RYAN BROPHY
Wealth Manager
Locations: Clyde, Lyons, Ontario and Wolcott
(315) 594-1035 (Office) rbrophy@bankwithLNB.com
ANTHONY NELSON
Wealth Manager
Locations: Macedon, Newark and Perinton
(315) 986-9681 (Office) anelson@bankwithlnb.com
MIRINDA SAXTON
Financial Services Assistant
Locations: Geneva
(315) 828-6335 (Office) msaxton@bankwithLNB.com
JARET MURRAY
Financial Services Specialist
Locations: Geneva
(315) 781-5018 (Office) jmurray@bankwithlnb.comMore About Our Team
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/ SIPC ). Insurance products are offered through LPL or its licensed affiliates. The Lyons National Bank (LNB) and LNB Financial Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using LNB Financial Services, and may also be employees of LNB. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of LNB or LNB Financial Services. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by FDIC or Any Other Government Agency. | Not Bank Guaranteed. | Not Bank Deposits or Obligations. | May Lose Value. |
Your Bank (The Lyons National Bank – "LNB") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
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