Retire with confidence

Get a complimentary financial plan assessment and determine how well you’re positioned to reach your retirement goals.

Your retirement is the heart of your financial plan.

We understand you’ve worked hard to get where you are today. Our job is to understand your retirement needs, wants, and wishes—and work with you to build a plan that considers your entire financial picture, giving you the confidence today to be better prepared for tomorrow.

What does your second chapter look like?

Retirement is about new directions, fulfilling passions, trying the untried, or just doing what makes you happy.  And newly released research from M&T Bank’s 2021 U.S. Emerging Affluent Survey finds that, as the pandemic recedes and affluent Americans reengage, almost a third (29%) report they are considering retiring earlier - a shift that aligns with a larger movement of Amercians who are reevaluating what's important in the wake of 2020.  

That’s why when it comes to planning your next adventure, we start with an understanding of your expectations—as well as your concerns.  We can help you consider your short- and long-term goals and create a plan to help you pursure your financial objectives.





New home


Health care costs

Family needing assistance

Outliving your money

Leaving money to others

Keep up with your retirement goals.

Life changes - so does the market and interest rate environment. Because things never stay the same, it's smart to check and make sure you continue to be on course with your savings goals and retirement success.

Be informed. Make adjustments. Reach your goals.

Use our retirement calculators>

Embrace today and prepare for tomorrow.

We also consider how your pre-retirement priorities and goals may affect how much you can save for those golden years. Some of the planned and unexpected expenses we will help you consider are:

  • Education planning >
  • Weddings
  • Home improvements
  • Starting or exiting a business
  • Maintaining your lifestyle

Analyze, adjust, and update.

With Wealth Goals, we’ll help you understand how your entire financial picture affects your retirement plans, how much you’ll need to save, and give you the digital tools to see how making changes to your plan affects your likelihood of achieving your goals.

Learn more about our planning process >

There are many different ways to prepare for retirement. We can help you find the right fit and create a customized plan for you.

A 401(k) and 403(b) are tax-advantaged retirement plans offered by many employers to their employees through automatic payroll withholdings. Oftentimes, employers offer matching contributions based on a percentage of an employee’s annual salary.

A traditional IRA is a tax-deferred personal retirement account that allows you to make annual contributions separate from your employer-sponsored 401(k). The contributions may be tax-deducible, but you should confirm with a tax advisor.

A Roth IRA is a personal retirement account that allows investors within certain income brackets to make non-deductible annual contributions with after-tax dollars and to withdraw principal and earnings tax-free during retirement. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Social Security is a federal insurance program that will pay you a percentage of your salary based on contributions you’ve made over the course of your career. It’s available to almost all American workers, but should only represent a portion of your retirement plan.

Simple brokerage accounts, or investment accounts, in which you invest after-tax dollars in markets, are another way to prepare for retirement. Although there are no limits to how much you can put in a brokerage account, you will not receive tax benefits for investing this way.

Change of plans?

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

Learn more >

Contact a professional >

We can help you prepare for the unexpected.

A well-designed financial plan doesn’t end if you or a loved one passes away. It merely evolves. Our advisors can help you craft a plan for the unique circumstances you and your family face.

Contact an advisor >

Your Plan

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


Education Planning

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


Insurance Planning

Insurance is an important component of a healthy financial plan. When was the last time you reevaluated your existing policy? Our advisors can work with you to help mitigate your unique risks.


Investing involves risks and you may incur a profit or a loss. There is no assurance that any investment strategy will be successful.


We're here to help.

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

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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 | Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

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. To read the M&T Bank Cash Account Disclosure Booklet, please click here.

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.

The recommendation by M&T Bank of LPL is made pursuant to an agreement that allows LPL to pay M&T Bank for these referrals. This creates an incentive for M&T Bank to make these referrals, resulting in a conflict of interest. M&T Bank is not an investment advisory client of LPL. Please visit  for more detailed information.

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