Retirement Account Options

Here’s how to put tax-advantaged investing to work for you.

Start by contributing the most that you can afford to your employer-sponsored retirement plan. It reduces your current tax burden, and tax-deferred earnings grow until withdrawal at retirement. Your employer’s plan may provide many options in which to invest depending on your risk and time horizon. Employers may match contributions up to a certain specified percentage.

Establishing or increasing your 401(k) contribution will reduce your take home pay and, as a result, lower your taxable income. A 403(b) plan offers tax-deferred compounding that can potentially help you reach your retirement savings goal.
Look to IRAs to supplement your contributions.
- Traditional IRAs offer tax-deferred earnings until withdrawal at retirement.
- Roth IRAs can provide tax-deferral now, and tax-free income after you retire.
- SEP and SIMPLE plans offer simple solutions to small business owners and their employees.

MTB Investment Advisors, Inc., a subsidiary of Manufacturers and Traders Trust Company ("M&T Bank"), is the investment advisor to the MTB Group of Funds.

The MTB Group of Funds are available from M&T Securities, Inc. (member FINRA/SIPC), a broker-dealer subsidiary of M&T Bank, and other authorized broker-dealers. ALPS Distributors, Inc., which is not affiliated with M&T Bank, is the distributor of the MTB Group of Funds.

For more complete information, please download the funds' prospectuses available on this website or call 1-800-836-2211 for copies. You should consider the funds' investment objectives, risks, charges and expenses carefully before you invest. Information about these and other important subjects are in the fund's prospectus, which you should read carefully before investing.