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 www.mtb.com/wilmington-advisors/disclosure  for more detailed information.


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How will retirement affect my expenses?

Get instant access to a projection of your monthly retirement expenses. Use our interactive calculator to compare your current living expenses with what you might expect to spend after you've stopped working.

This calculator is provided for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment, tax, or legal advice.  The calculations rely on a number of assumptions, and the results will likely vary, perhaps significantly, from your actual situation. The calculators are meant to give you a general idea about where you stand financially, based on the amounts you provide.  It does not take into account the deduction of any fees or taxes, unless otherwise noted. There is no guarantee that the rate of return can actually be achieved. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes, and depend on the information you provide. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. The information in these calculators has been obtained from a third-party believed to be reliable, but their accuracy and completeness are not guaranteed.