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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Deferred Compensation

​Show your appreciation for your top executives with tax-smart deferred compensation, including pensions, stock options and retirement plans. The experienced team at M&T Securities, Inc. is ready to assist you.




​​​Your solution for recruiti​ng, retaining, retiring and rewarding your best people.

Businesses are always looking for ways to attract and retain top executives. A non-qualified deferred compensation plan can give you the leverage to retain and reward your valuable key employees, and show them how much you appreciate their contribution to the business.

​​How It Works

A non-qualified deferred compensation plan reduces a portion of an employee's taxable income in the current year and is paid out at a date after which the income is actually earned. M&T Securities can help provide solutions to fund deferred compensation plans using life insurance.

​​​Types of Deferred Compensation ​

There are a variety of ways to offer deferred compensation, including:

  • Pensions
  • Retirement plans
  • Stock options

​​Advantages for Your ​​Company

  • A mechanism to recruit and retain valued executives with an added retirement plan
  • A way to recognize the contributions of key employees with an additional benefit
  • Flexibility regarding whether the business or executive pays the premium of a life insurance contract inside a deferred compensation plan

​​Advantages for Your Executives​​

  • ​Deferred taxes on earnings until the executive receives the compensation according to the terms of the plan
  • Additional compensation in the form of retirement income
  • If funded with life insurance, the plan may provide tax-free death benefit proceeds to the executive's beneficiary​