Wilmington Trust Company M&T Bank Overview of Services and Fees

Wilmington Trust Company M&T Bank offers a range of services, including wealth management, corporate and institutional banking, and private banking.

Their wealth management services provide customized investment strategies and portfolio management for high net worth individuals and families.

Wilmington Trust Company M&T Bank also offers a variety of banking services, such as cash management, treasury management, and loan products.

Their cash management services include remote deposit capture, online banking, and mobile banking.

Wilmington Trust Investment Management offers a range of services, but one thing to note is that they don't provide financial planning or consulting services. Instead, they focus solely on portfolio management.

WTIM provides portfolio management through separately managed accounts (SMAs), which can be customized to fit individual clients' needs. This is a great option for those looking for tailored portfolios.

WTIM exclusively manages client accounts on a discretionary basis, giving the firm full control over investment decisions and transactions. This approach allows for flexibility and adaptability in managing client accounts.

Management fees for SMAs are charged as a percentage of assets under management (AUM), with a tiered schedule that varies based on the amount managed. Here's a breakdown of the fees:

Wilmington Trust Investment Management focuses solely on portfolio management, which means they don't offer financial planning or consulting services.

They provide portfolio management through separately managed accounts (SMAs), giving clients customized portfolios that cater to their specific needs.

WTIM exclusively manages client accounts on a discretionary basis, giving them full control over investment decisions and individual transactions.

Their investment strategy is built on asset allocation, finding a strategic mix of assets that aligns with a client's risk tolerance and goals.

Assets are invested in a range of products, including exchange-traded funds, mutual funds, individual securities, closed-end funds, and model portfolios.

To evaluate and select investments, the firm relies on fundamental, technical, and quantitative methods of analysis.

Fees in investment management can be complex, but they're essential to understand when working with a financial advisor.

Management fees are typically charged as a percentage of assets under management (AUM). This means the more money you invest, the more you'll pay in fees.

For example, Wilmington Trust Investment Management charges fees according to a tiered schedule.

Here's a breakdown of their fees:

These fees can add up quickly, so it's essential to understand how they work and what you're paying for.

Wilmington Trust Company, a subsidiary of M&T Bank, operates with a comprehensive regulatory framework.

The company is subject to the supervision of the Office of the Comptroller of the Currency (OCC) and the Federal Reserve.

M&T Bank, the parent company, has a strong track record of regulatory compliance.

In 2020, the bank received a satisfactory rating from the OCC for its Community Reinvestment Act (CRA) performance.

Regulatory scrutiny has led to improvements in risk management and corporate governance.

The company's commitment to regulatory compliance has earned it a reputation as a trusted financial institution.

M&T Bank's regulatory expertise has enabled it to navigate complex banking regulations effectively.

The bank's regulatory framework ensures that Wilmington Trust Company operates in accordance with federal and state laws.