David J. DeRaddo, CFP®, has earned the Chartered Financial Consultant (ChFC®) professional designation from the American College of Financial Services, Bryn Mawr, PA.

Candidates for the ChFC® designation must complete a minimum of eight college-level courses and fulfill stringent experience and ethics requirements. The ChFC® program prepares professionals to help meet the advanced financial needs of individuals, families and small-business owners. Individuals who earn a ChFC® can provide professional advice on a broad range of financial topics, including financial planning, wealth accumulation and estate planning, income taxation, life and health insurance, business taxation and planning, investments and retirement planning.

DeRaddo, currently serves as a Wealth Manager for LNB Financial Services at Lyons National Bank locations in Geneva and Canandaigua, NY. In addition to his ChFC® designation, he holds a Certified Financial Planner® designation. A resident of Geneva, NY, DeRaddo serves on the boards of the United Way of Ontario County, Geneva BID, Geneva YMCA, and Finger Lakes Ducks Unlimited.

The American College is the nation's largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has served as a valued business partner to banks, brokerage firms, insurance companies and others for over 86 years. The American College's faculty represents some of the financial services industry's foremost thought leaders. For more information, visit TheAmericanCollege.edu.

LNB is a $1.082 billion independent, community bank with 15 branch offices located throughout Wayne, Monroe, Onondaga, Ontario, Seneca, Yates and Cayuga Counties. LNB has a long-standing tradition of excellence, dating back to 1852. As its mission, LNB safely and profitably serves all of its customers and communities with unmatched professional service. LNB offers an extensive variety of products within the personal and business banking realms, including direct deposit, online banking, cash management services, remote deposit capture and much more. LNB also provides financial services, including investments and insurance. For a complete listing of products and services, as well as branch locations, please visit BankwithLNB.com.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The Lyons National Bank and LNB Financial Services are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Lyons National Bank deposits and are not FDIC insured. These products are not obligations of The Lyons National Bank and are not endorsed, recommended or guaranteed by The Lyons National Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.