Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





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Simplified Employee Pension (SEP) Plans

​Designed for small businesses and self-employed individuals, a SEP-IRA offered by M&T Securities, Inc.​ is an easy-to-manage, portable and tax-smart option for retirement savings.​

Contact M&T Securities_



​​​​​​​​​Give more to your e​​mployees with tax-deductibl​​​e contributions.

Simplified Employee Pension Plans, also known as SEP-IRA plans, allow for greater contribution limits than a Traditional IRA. Like Traditional IRAs, investment earnings grow tax-deferred until withdrawn.

​SEP-IRA Advantages

  • Tax deductibility of employer contribution. The key advantage of a SEP-IRA
  • 100% vesting. Any money the employer contributes to a SEP-IRA belongs to the employee immediately
  • Portability. If the employee leaves the company, all retirement contributions go with the employee
  • Plan simplicity. For the employer, no complicated forms need to be completed and the IRS does not require annual reports to be filed
  • Employee retention. Offering a retirement plan can make it easier to attract and retain valuable employees

​​​How It Works

  • SEP-IRA plans are first established by an employer (possibly yourself) through the execution of a formal written agreement
  • The employer makes tax-deductible contributions on behalf of all eligible employees (including yourself) into separate SEP-IRA accounts

​​​Other SEP-IRA Considerations

  • Employers must make all contributions –​ employees don't have the option to contribute
  • Employers must contribute the same percentage of salary/wages to all eligible employees' SEP-IRAs, including the employer's
  • SEPs don't allow for "catch up" contributions for employees over 50
  • Contributions in excess of applicable limits are subject to a penalty tax on the excess amount contributed