Retirement Accounts

Planning for tomorrow begins today. Talk to M&T Securities, Inc. to find out how one of our individual retirement accounts could fit into your investment strategy.

Take control of your retirement with a conversation. 

One of the biggest financial mistakes people can make is not planning for retirement. M&T Securities Financial Advisors are here to help you plan for the future with products, services and experience you can trust. 

You can be confident knowing you're working with a local team that is dedicated to going above and beyond for our customers. Our teams of professionals will listen to your needs and help you find retirement solutions that are compatible with your current financial picture and your long-term goals.

In This Section

  • IRAs >  Whether or not your employer offers retirement benefits, you can start your own retirement account and enjoy tax-advantaged savings by opening an M&T IRA.
  • Managed Accounts >  An M&T Securities Financial Advisor can help you define your investment goals and assist you in selecting an asset allocation strategy to reflect your risk tolerance.
  • Annuities >  Learn how annuities work, the difference between fixed and variable annuities, and what to consider before purchasing.



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Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Lose Value​​​​​
​Individual circumstances may vary and additional terms and conditions may apply, please consult a tax advisor regarding specific tax effects.
Brokerage services 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.
M&T Securities, Inc. does not provide tax advice in conjunction with the discussion of investment or insurance products. Please consult a tax advisor regarding specific tax effects.
The content of this page is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.