Let a Financial Consultant help you identify ways to minimize your taxes and maximize your investment growth potential.

• Take advantage of tax-deferred investment opportunities so your savings can grow more quickly.
• Consider municipal bonds that are exempt from federal income taxes, and often free from taxes in the state or municipality where they are issued.
  
  Income from municipal bonds may be subject to state and local taxes and may be subject to the Federal alternative minimum tax. Ordinary income and capital gains, if any, will be subject to applicable state and local taxes.
• Avoid making early withdrawals that could result in penalties or could reduce your long-term investment growth.

Securities are offered by and Financial Consultants are registered with UVEST Financial Services, member NASD/SIPC. UVEST is independent of any financial institution. Members of the First Niagara Financial Group, Inc. do not offer tax advice. Please consult a tax advisor.
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