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Trust Services
The Cornerstone Bank Trust and Investment division provides a variety of financial services to individuals, organizations, and businesses. Please review the information about Cornerstone Bank Trust Services and call with any questions.
Revocable Trust
A revocable living trust is a trust that you set up during your lifetime. This type of trust can be amended or even revoked during your lifetime. Advantages of revocable trusts include:
- Investment management for you and your beneficiaries during your lifetime.
- Avoidance of probate of trust assets and a reduction of costly estate settlement expenses because your assets are distributed through your trust.
- Enables a married couple to structure assets in a way that reduces estate taxes.
- Income paid to you monthly, quarterly, or if you prefer, it can be reinvested.
- Principal disbursements for you and your family during your lifetime, as desired.
- Distribution of your assets following your death or at the termination of your trust according to your instructions.
- Investment of your available cash provided through a daily cash sweep feature in your account.
- Management of your affairs for you, in the event of illness, accident or incapacity.
- A flexible agreement that you may amend or revoke at any time.
- You retain as much or as little control, contact and responsibility as you wish.
We are happy to work with the attorney of your choice in this process.
Irrevocable Trust
A non-changeable trust for your heirs.
An irrevocable trust cannot be terminated by you and is most often used for making gifts or establishing a permanent arrangement for the benefit of your family or favorite charities.
An irrevocable trust may provide tax advantages when integrated with your overall estate plan. Always consult your attorney or tax advisor about your specific circumstances. Other benefits may include:
- Investment management for your beneficiaries during your lifetime and following your death.
- Distribution of your assets upon your death or at the termination of your trust according to your instructions.
Avoidance of probate of trust assets and, thus, a reduction of costly estate settlement expenses because your assets are distributed through your trust.
Not FDIC Insured, No Bank Guarantee, May Lose Value
Have a question? We’re here to help.
Cornerstone Bank’s Trust team is ready to guide you with personalized, relationship-driven service. Leave us a note, and we’ll follow up soon.
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.
Pepper Papineau, CTFA
Vice President & Manager/Trust
(402) 363-7407
Pepper received his Bachelor of Arts Degree in Business from Doane University and earned the Certified Trust & Financial Advisor (CTFA) professional certification from the American Bankers Association in 2018. He has over 10 years of experience in the trust and financial services industry and has been with Cornerstone Bank since 2012. He was recently named Vice President & Manager of the Trust Department.
Amy Hunt, CFP®, CISP, CTMC
Vice President/Trust
(402) 363-7407
Amy earned her Bachelor’s Degree in Organizational Communications from Doane College in 2010 and holds multiple professional certifications, including Certified IRA Services Professional (CISP), Certified Financial Planner (CFP®), and Corporate Trust Master Certification (CTMC). She has over 27 years of experience in banking and trust services, with expertise in financial planning, estate management, and corporate trust solutions. Amy has been with Cornerstone Bank since March 2025.
Todd Kramer, CTFA
Vice President/Trust & Retail Investments
(402) 395-2151
Todd received his Bachelor of Science Degree in Business Administration from the University of Nebraska–Lincoln and has completed his Series 63 and Series 7 requirements. He is also a graduate of Cannon Financial Institute and holds the Certified Trust & Financial Advisor (CTFA) designation from the Institute of Certified Bankers. He has been with Cornerstone Bank since January 2004.
Lynda Cruickshank, CTFA
Assistant Vice President/Trust Administrator
(402) 363-7411
Lynda earned both her Bachelor’s and Master’s Degrees from Iowa State University and has completed the ABA National Trust School and Cannon Trust School, earning the Certified Trust & Fiduciary Advisor (CTFA) designation. She brings over 20 years of banking and financial planning experience, with more than 15 years of that time in trust administration. Lynda joined Cornerstone Bank in August 2025 and serves as Assistant Vice President/Trust Administrator.
David Odom
Trust Administrator Officer
(402) 363-7411
David is a graduate of York College and was named Trust Administrator for Cornerstone Bank in York. He joined the bank in 2025, bringing over 27 years of professional experience, including 11 years at York University and 16 years at UTC Aerospace in York.
Carla Hain
Trust Operations Officer
(402) 363-7411
Carla earned an Associate of Applied Science Degree in Paralegal Studies from Kaplan University and an Associate of Applied Science Degree in Computer & Information Services from Southeast Community College. She also earned a Trust Certificate from the Nebraska Bankers Association Trust School in 2017. Carla has worked in the trust field for over ten years and joined Cornerstone Bank in September 2025.
Brian Tonniges
Property Manager
(402) 363-7411
Brian received his Bachelor’s Degree from Kearney State College, his Master’s Degree from the University of Nebraska at Kearney, and his Educational Specialist’s Degree from Wayne State College. He also attended Nebraska Wesleyan University. A native of the Polk area, Brian retired as Superintendent of Schools at High Plains Community Schools after many years in education, including nine years as Principal of York Middle School. He joined Cornerstone Bank in September 2021.
