Enhance Magazine | Page 38

MONEY SMARTS
Four important financial goals.

There’s an awful lot to know when it comes to being fiscally fit but you don’t need to go it alone.
Here are a few key factors to consider when planning for your financial future
SAVING. Each time you receive a paycheck, pay yourself

review – especially when there’s an important life change –

first! It’s a disciplined way to help set aside a portion of your

to make sure your personal and business coverage reflects

income to save for a rainy day, a special goal or the future

your current needs.

in general. One smart and easy way to save is to have a set
percentage automatically swept into a savings account.

TRANSFERRING. At the very least, you want to have a will
so that your assets are transferred to those individuals or

ACCUMULATING. There are many different ways to go

causes you select in a way that reflects your desires. A will,

about building a retirement nest egg. If your employer offers

however, may not be enough. It’s smart to periodically review

a 401(k) plan, consider contributing to it as a possible means

who is named as beneficiary on your accounts or insurance

of investing and maybe even receive additional funds from

policies. This can be part of the estate planning process that

your employer if it offers a contribution match. There are

you discuss with your financial professional.

many vehicles can you choose to invest – such as a 401(k),
or an IRA, etc.

M&T Securities can help. Our Financial Consultants can help
you find answers for your particular circumstances and guide

PROTECTING. It’s critical to protect what’s most important to

you on your journey as you work toward achieving your

you. For many people, that means insuring their lives. Already

financial objectives. To get started, schedule a complimentary

have or looking for coverage? Consider a regular insurance

Find 59 Financial Review with your Financial Consultant today.

CALL 1-877-405-1791

CLICK on mtb.com/Find59

COME IN TO your M&T Bank branch

INVESTMENT SOLUTIONS • INSURANCE OPTIONS • RETIREMENT PLANNING
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 Securities does not provide tax or legal advice. Consult a professional for specific advice tailored to your situation.
There is no charge for the financial review or policy review, however you may pay a commission or sales charge if you make a purchase as a result of the review. 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.
©2015 M&T Securities. CS8979 (8/15)

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