FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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 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.
Amy Hunt, CFP®, CISP, CTMC
Vice President & Manager/Trust
(402) 363-7407
Amy Hunt has been with Cornerstone Bank since March 2025 and serves as Vice President & Manager of the Trust Division. With over 27 years of experience in banking and trust services, she brings extensive expertise in financial planning, estate management, and corporate trust solutions.
She earned her Bachelor’s Degree in Organizational Communications from Doane College in 2010 and has obtained multiple professional certifications, including Certified IRA Services Professional (CISP) in June 2014, Certified Financial Planner (CFP®) in April 2019, and Corporate Trust Master Certification (CTMC) in January 2022.
Dedicated to providing exceptional trust and financial services, Amy is committed to helping clients achieve their long-term financial goals. She and her husband have three children.
Todd Kramer, CTFA
Vice President, Trust & Retail Investments
(402) 395-2151
Todd has been with Cornerstone Bank since January 2004. He earned his Bachelor of Science in Business Administration from the University of Nebraska-Lincoln and has completed his Series 63 and Series 7 requirements. In addition, he is a graduate of Cannon Financial Institute and has achieved the Certified Trust & Financial Advisor (CTFA) designation from the Institute of Certified Bankers.
A native of Pierce, Nebraska, Todd now resides in Albion, Nebraska, with his family. He is dedicated to providing exceptional financial and trust services to clients, leveraging his extensive experience and industry expertise.
