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®
Assistant 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, Newark, Ontario and Wolcott
(315) 594-1035 (Office) rbrophy@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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LNB named to NY Historic Business Preservation Registry
Published December 16, 2024 211 Views
Reposted from the Rochester Business Journal Andrea Deckert//December 11, 2024 Lyons National Bank (LNB) has been selected for the New York State Historic Business Preservation Registry, which highlights businesses that have been in operation for at least 50 years and have contributed to their co...
Holiday Closing
Published December 16, 2024 221 Views
In observance of Christmas, all LNB offices will be close at 1:30pm on Tuesday, December 24 through Wednesday, December 25. Offices will re-open on Thursday, December 26, 2024. Our 24-hour ATMs and online banking services are available for your convenience. Thank you.
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- Should I refinance?
- How much will my fixed rate mortgage payment be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?
- How much mortgage might I qualify for?
- How much home can I afford?
- Should I consolidate my loans?
- How much car can I afford?
- How long will it take to pay off my credit card?
- How much do I need to save for college?
- How much will I need to save for a major purchase?
- How much can I afford to borrow?
- What is my loan rate?
- How long will it take to pay off my loan?
- How much will my loan payments be?
- Should I consolidate my loans?
- Is an Auto Loan or Home Equity Loan best for purchasing a car?
- How soon can I eliminate my debts?
- What is the yield on my portfolio?
- How can I save a million dollars?
- What is my investment yield?
- What is my future value worth today?
- What will my investment be worth in the future?
- How much could I save over time?
- What rate would I need to earn on my savings?
- What savings amount should I start with?
- How much should I save each month?
- Which is better for me, a Traditional IRA or a Roth IRA?
- How much will my Traditional IRA be worth at retirement?
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- How long will my retirement savings last?
- What rate do I need to support my retirement?
- How much do I need to fund my retirement?
- How much can I spend each month in retirement?
The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.
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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.
