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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
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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  
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Wealth Management Services

Family Office Services

The more wealth you amass, it is likely the more complex your financial situation becomes. When you reach the point of setting up a family office to keep your affairs running smoothly, trust the experts at Wilmington Trust.

We can collaborate with your attorneys and other trusted consultants to help manage the complexities of significant wealth. As a family office team, we can bring structure to financial decision-making, develop processes that oversee cash flow, and help enhance investment decisions. On your behalf we can work to address: 

Personal Financial Management:

  • Analyze investment solutions; develop and maintain cash flow, income, and expense projections to best meet liquidity needs
  • Prepare balance sheets, income statements, tax returns, and budgets
  • Process and pay bills; draft and execute wire transfers for cash disbursements

Entity Management:

  • Establish disciplined procedures and appropriate controls to provide for decision-making authority and strong governance
  • Foster communication among family leaders, key stakeholders, and other professional advisors to promote engagement
  • Coordinate meetings; take and retain minutes, governing documents, accounting records, and agreements
  • Provide tax, accounting, cash management, planning, budgets, and day-to-day operations for family entities

Advisory and Consulting:

  • Scrutinize financial data and portfolio holdings for opportunities to reduce taxes and optimize the use of liquidity
  • Monitor evolving tax law to help ensure compliance and minimize risk
  • Assess need for limited liability company structures and guide their implementation and management
  • Evaluate processes and operations for the potential to streamline and reduce costs
Legacy Planning and Family Education
  • Refine your family legacy plan by identifying gaps and presenting opportunities for improvement
  • Facilitate multigenerational educational workshops that create family learning opportunities to promote the responsibilities of managing and stewarding wealth
  • Formalize your family governance structure (the business of the family)
  • Help prepare your family both emotionally and professionally for a smooth and successful business transition
  • Use family philanthropy as a transition readiness tool to create a lasting legacy and family cohesiveness

Contact us to learn how you can fulfill your family's vision with a professionally run family office.

Contact an expert

  • Donald P. DiCarlo, Jr.
    President, Emerald Family Office & Advisory
    Email Donald
  • Joe Garniewski Sr.
    Head of Family Office Services
    Email Joe