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Estate Planning


Estate Planning Assistance

Our trust professionals will review your estate planning needs, assets and your goals with you to advise you on estate planning alternatives. Estate planning is the process of creating and preserving property during an individual’s lifetime and arranging for the desired and proper disbursement at the time of that individual’s death. In most instances, estate planning is associated with advantageous investment and tax planning, without sacrificing personal and family security and welfare.

Estate Settlement

In addition to serving as trustee, we often act in the capacity of Personal Representative as named in an individual’s will. As an alternative, we can serve as the agent for someone who has been appointed to serve in this capacity. As an agent, we handle all estate administrative duties to relieve the individual named of this often time consuming and complicated responsibility.

Investments are not FDIC insured, have no bank guarantee and may lose value.

Richard McDougall

Richard T. McDougall, JD, CTFA

Vice President & Manager Trust Division

(402) 363-7407

Richard began his career with Cornerstone Bank in January 2002. He has worked exclusively in the trust and investment business since 1995. Richard is a graduate of the University of Nebraska - Kearney and a graduate of the University Of Nebraska College Of Law. He is a member of the Nebraska Bar Association and a member of the Real Estate and Probate Law Sections. Richard is a graduate of Cannon Financial Institute, and has achieved the Certified Trust & Financial Advisor (CTFA) designation from the Institute of Certified Bankers. He has served as an estate planning instructor for the National Business Institute and is an instructor for the Nebraska/Kansas Schools of Banking Advance Trust School. Richard served as a member of the Nebraska/Kansas Schools of Banking Advisory Trust Committee, He has served as legal counsel to the Nebraska State Treasurer and serves on various state and local boards and committees. Richard and his family are originally from DeWitt, Nebraska and have lived in York, Nebraska since 2002.

Todd Kramer

Todd Kramer, CTFA

Vice President, Trust & Retail Investments 

(402) 395-2151

Todd has been with Cornerstone Bank since January 2004. He received his BS in Business Administration from the University of Nebraska-Lincoln and has completed his Series 63 and Series 7 requirements. Todd is also a graduate of Cannon Financial Institute, and has achieved the Certified Trust & Financial Advisor (CTFA) designation from the Institute of Certified Bankers. Todd is a native of Pierce, Nebraska and now resides in Albion, Nebraska with his family.

Pepper Papineau


Pepper Papineau

Vice President & Assistant Trust Manager

(402) 363-7402

Pepper joined Cornerstone Bank in 2012 after he and his wife moved to York. He is a graduate of Doane College with a Bachelor of Arts in Professional Studies in Business, Marketing emphasis. After completion of the Cannon Financial Institute’s Trust School, he obtained his CTFA (Certified Trust Financial Advisor) designation. Pepper likes to stay involved with the community through various organizations and enjoys spending time traveling to the mountains.




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