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Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC.
M&T Bank Corporation’s European subsidiaries (Wilmington Trust (UK) Limited, Wilmington Trust (London) Limited, Wilmington Trust SP Services (London) Limited, Wilmington Trust SP Services (Dublin) Limited, Wilmington Trust SP Services (Frankfurt) GmbH and Wilmington Trust SAS) provide international corporate and institutional services.
WTIA, WFMC, and WTIM are investment advisers registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, and WTIM is also available on the SEC's website at adviserinfo.sec.gov. 
Financial Advisors are investment advisor representatives of, and offer securities and advisory services through LPL Financial LLC (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Wilmington Advisors @ M&T is a brand name used by LPL representatives to offer securities, advisory, and insurance services and is not a separate legal entity. Registered representatives of LPL using the Wilmington Advisors @ M&T name are employees of M&T Bank. LPL and its affiliates are entities separate from, and not affiliates of, M&T Bank. Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value
Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.
M&T Bank  Equal Housing Lender. Bank NMLS #381076. Member FDIC. 
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  
Investing involves risks and you may incur a profit or a loss. Past performance cannot guarantee future results. This material is provided for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. It is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. There is no assurance the any investment, financial or estate planning strategy will be successful.

Investment Management

Our Core Tenets: Focused on you

You, your needs, and your goals are at the center of our investment tenets. These core principles underscore our efforts to provide you with a smoother ride and more attractive outcomes, while investing for the long term.

Diversify among the underlying economic forces

We diversify portfolios across and within a broad range of asset classes (equities, fixed income, etc.) because economic factors impact asset class performance in very different ways. As it's impossible to predict how widely an economic factor will shift, a diversified portfolio seeks to limit the impact of a single economic influence.


Diversify economic forces

A well-diversified portfolio should not be overly vulnerable to a single economic influence. This differentiating focus for our investment management process—and our clients' portfolios—relies on both long- and short-term forward-looking expectations of the economy and markets. Of course, keep in mind that not even a well-diversified portfolio can ensure a profit or guarantee against a loss.

Foster goal achievement with a differentiated approach to managing portfolio risk

We focus on drawdown, the potential for significant loss in portfolio values in a specific period. By “optimizing” portfolios, we seek to better mitigate the potential for drawdown, preserve and grow capital during downturns, and help recover from drawdown more quickly than is the case with traditional portfolios.


Demand an optimized portfolio.

We strive to manage drawdown by optimizing portfolios. This involves determining the best combination of assets, looking at return expectations, asset class volatilities, and the correlations of results among various asset classes.* Portfolios based on drawdown exposure can be optimized by substituting drawdown for volatility in developing the best combination of assets for given drawdown levels. Optimizing this combination of assets is critical to investment success, since it enables an investor to manage the degree of downside risk in a portfolio.

Curb tax liability to boost wealth

To help preserve and grow your wealth, we strive to add value from a tax perspective, which is just as critical as an investment perspective. Our integrated, tax-effective structuring incorporates solutions that we believe are likely to reduce or defer both the annual and generational tax burden.


Maintain greater portfolio asset values by mitigating tax liability.

We maintain an acute tax-sensitive perspective and strive to mitigate your portfolio's tax liability by determining whether to hold assets in taxable, tax-deferred, and tax-preferred accounts; factoring tax events into trades; seeking gain/loss offsets; and, opting for long-term over short-term gains.

Benefit from lower investment fees, typically available only to institutional investors

To provide you with the most cost-effective solutions, we use: higher-cost active managers only when we have a firm conviction that incremental returns will exceed costs; use low-fee passive or indexed investments when it's prudent to do so; maintain an innovative fee-conscious approach to alternative investments, bringing you hedge fund and private market opportunities if you qualify.


Control investment costs.

Higher costs should come with greater value. We can offer you the kind of lower fees that are usually available to only institutional investors and opt for investments with higher costs only when we have a firm belief that the returns will exceed those costs.

Your portfolio includes a broad spectrum of high-quality investment solutions

In an effort to deliver enhanced, risk-adjusted returns, we seek: low-fee passive (indexed) investments when appropriate; customized portfolio solutions with an emphasis on downside protection, striving for a performance stream that is consistent with expectations; unique solutions that may not be available elsewhere; and, for qualified investors, innovative alternative solutions, which may enhance portfolio efficiency and long-term expected returns.


Be confident that you have high-quality solutions.

Deep market insights, a disciplined manager research process, and continuous evaluation are consistently at work for you and your portfolio.

Let our experienced team put these core tenets to work for your customized portfolio in an effort to bolster returns, while enhancing diversification and curbing volatility and risk.

* Past performance is not indicative of future results. All investing involves risk and you may incur a profit or loss.