Financial Advisors are investment advisor representatives of, and offer securities and advisory services through LPL Financial (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

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

To read LPL Financial disclosures and agreements, please visit their site.

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.

© M&T Bank and its affiliates.

M&T Digital Privacy Notice

Preserve the wealth and health of your family

Life doesn’t always happen the way you expect. Have a plan.

 

Insurance is an essential component of a healthy plan.

You adjust your investments to reflect your evolving priorities and circumstances, but when was the last time you reevaluated your insurance? As your life changes and new obstacles emerge, it’s important that you calibrate existing policies and consider new ones to help preserve what’s important to you. 

The planning process starts with you.

Our personalized insurance review process starts with a deep understanding of your circumstances and complete financial picture. We consider...

Income & Emergency
Savings

Debt

Education Needs

Final Expenses

Gifting and Charitable

Life Insurance

Liquid Assets

Together, we’ll review your existing policies and develop recommendations for a plan that may get you:

  • More coverage for the same premium
  • The same coverage for a lower premium
  • A policy term that better fits your current needs 

Change of plans or policy out of date?

Speak with your advisor who can bring in a team of specialists to help address your unique needs.

There are many different options when it comes to preserving your wealth and health. Together, you and your advisor will identify the right strategy for you. 

Life insurance designed to offer lifetime coverage that does not expire after a pre-specified term. The policy remains in effect as long as premiums are paid according to the contract. If activated, the policy makes an income tax-free death benefit payment to the beneficiaries.

Life insurance that provides death benefit protection for a specific period of time. A lower cost option than permanent life insurance, it only offers payment to a beneficiary if death occurs within the term outlined in the policy. 

Protection that may provide you guaranteed* long-term income in the event that you become disabled during the course of your career. Depending on the policy, you may be covered for work-related and non-work related injuries or illnesses.

*Guarantees are based on the claims paying ability of the issuing company.

Insurance that helps pay for the professional services and support you may need for your personal care, such as nursing homes, assisted living facilities, rehabilitation facilities, or home health care, when you may not be able to do it on your own. Loved ones administering your care may also be eligible to receive payments from this type of policy.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This material is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.

Your Plan

Our personalized planning process starts with a deep understanding your goals and your entire financial picture, not just your investments. Together, we’ll build and test a plan fits your unique needs.

Retirement Planning


You’ve worked hard to get where you are. We’re ready to assist you with creating a long-term plan geared toward helping you retire your way.

Education Planning

Like any financial goal, planning in advance for the cost of higher education is key. Your Wilmington Advisor can help you navigate your options and find the right fit for you based on your goals.

We’re here to help

Provide the information below to have one of our professionals contact you or to schedule your complementary financial plan assessment.

* Required field 


Check our Background

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Financial Advisors are investment advisor representatives of, and offer securities and advisory services through LPL Financial (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

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

To read LPL Financial disclosures and agreements, please visit their site.

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.

© M&T Bank and its affiliates.

M&T Digital Privacy Notice