M&T Bank : Personal Banking

Are you making the most of your investments?
Review these questions to see how tax-smart investing can work for you.

	Are you taking advantage of tax breaks provided by IRAs?
	Do you know the effects of tax-deferred growth on investments?
	Will Social Security and pension benefits be enough for you to retire on?
	Are you contributing the maximum to your retirement plan at work?
	Do you know the benefits of a Roth IRA?

If you answered no to any of these questions you may benefit from a visit with an M&T Securities, Inc. Financial Consultant. Contact Us to schedule a consultation or call 800-724-9949.

Planning ahead for every stage of your life.

	Retirement Planning
	Education Savings Planning
	Insurance Planning
	People Who Can Help
	Contact Us


	Delayed at least 20 minutes.

Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC-Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down In Value

M&T Investment Group^SM is a service mark of M&T Bank Corporation and consists of M&T Securities, Inc., the investment-related areas of M&T Bank and investment advisory firms MTB Investment Advisors, Inc., and Zirkin-Cutler Investments, Inc.

Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.