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Chemung Canal Trust Bank

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Retirement Services

Planning for Tomorrow
So You Can Enjoy Today.
Retirement planning comes with big questions—Will I have enough? How do I start? What’s the best strategy? At Chemung Canal, we’re here to help you build a retirement plan that gives you peace of mind for your future.

Whether you’re just beginning to save, nearing retirement, or already enjoying it, our experienced Retirement Specialists will evaluate your financial situation and create a plan to fit your goals. As retirement laws and regulations evolve, we stay informed so you don’t have to—helping you navigate the complexities of saving, preserving, and distributing your retirement funds.

Let us help you plan for a secure and comfortable future, so you can focus on what matters most.

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Chemung Canal offers a variety of IRA options, including:

  • Fund-allocated IRA
  • Managed IRA
  • Self-Directed IRA

Other Retirement Services

  • Beneficiary designation advice
  • Inherited IRA strategies and advice
  • Utilization of a trust as a beneficiary
  • Asset allocation advice for overall holdings

We can help you develop a strategy to meet your vision of retirement. We will take the time to understand your individual needs and objectives and implement a strategy to help you enjoy the retirement you deserve.

Contact a Retirement Specialist today at 800-836-3711 to get started.

CONTACT A FINANCIAL ADVISOR
LOGIN TO YOUR ACCOUNT
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Offering a retirement plan is a key benefit for employees, but for many businesses, the cost and complexity of managing one can be a challenge. At Chemung Canal, our Retirement Plan Specialists take the stress out of the process. We work with you to develop a plan that meets your business’s needs while handling everything from plan administration to compliance testing. With hands-on support and full in-house management, we make it easier for you to provide a valuable benefit to your employees.

Employer-sponsored retirement plans offered:

  • Profit Sharing Plans
  • 401(k) Plans
  • 403(b) Plans
  • 457 Plans
  • SIMPLE IRA Plans

Benefits

  • Custom – all retirement plans are planned, designed, and implemented specifically to meet the needs of your business and employees.
  • Local – our Retirement Plan Specialists are very active in the local business community and aware of the unique needs of local businesses and their employees.
  • No outsourcing – we do not outsource the administrative support you require, including tax reporting and annual filings.
  • Support – our Retirement Plan Specialists provide enrollment and educational kits, ongoing required participant notices, and on-site individual employee meetings to help them make important savings and investment decisions.

Contact a Retirement Plan Specialist today to get started!

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View your Retirement Plan Account anytime, anywhere for free!

  • Check your current balance
  • View your personal rate of return & fund performance data
  • Review your savings rate and personal information
  • Learn how you can download the app by visiting our Web & Mobile Banking page.

Download the app today!

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At Chemung Canal, we focus on finding the best investment options for our retirement plan clients. Unlike some larger providers that promote only their own funds, our Investment Officers take a broad, research-driven approach to fund selection. Using screening tools and in-depth analysis, we carefully choose investments based solely on your needs—without accepting sales loads, marketing fees, or consulting fees from fund providers. Our selections are continuously reviewed and monitored to ensure they stay aligned with your retirement plan’s objectives.

We also offer 3(21) or 3(38) Fiduciary Services to retirement plan clients.
Contact an Investment Officer today to learn more.

Contact an Investment Officer today to learn more.

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Retirement Savings Calculator

How long will your retirement savings last? This tool can help you plan how much you save.

Retirement Planner Calculator

Is your retirement plan on track? This calculator can help you determine if you’re on the right path, and stay on target saving for your future.

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© 2025 Chemung Canal Trust Company. All rights reserved.
ABA Routing Transit #: 021301115
Toll-free: 800-836-3711

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