About the Author

Andrew J. Horwitz, CFP®

National Director, Wealth Strategies

As part of the Wilmington Trust Emerald Family Office & Advisory team, Drew is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners. His areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning.

Drew has two decades of experience in the financial services industry and held numerous positions in the Personal Financial Planning Group at The Vanguard Group. Earlier in his career, he served as a practicing attorney, specializing in wills and trusts.

He holds a JD from Widener University School of Law and a bachelor’s degree in health policy and administration from Pennsylvania State University. He holds his Pennsylvania and New Jersey law licenses and his Pennsylvania Life, Variable Annuities, Accident, and Health licenses.

Drew authored several thought leadership articles and podcasts for Wilmington Trust, and has been quoted in local and national publications and websites for his keen insights on financial and estate planning. In addition, he co-authored “Integrating Estate Planning and Borrowing” in the Oct. 2019 issue of Trusts and Estates. Drew is a member of the Financial Planning Association for the Central Pennsylvania Region and the Pennsylvania Bar Association.

By the Author

Video: Delaware’s Income Tax Advantage for Trusts

Jeffrey C. Wolken and Andrew J. Horwitz, CFP® |
Wealth Planning
Horwitz Wolken NC.jpg

Changes in the federal tax laws in 2017 provided a renewed focus on state income taxes and strategies available to help minimize these taxes. While personal trusts have been used most commonly as estate and gift tax planning vehicles, they now have increased importance as tools for minimizing a family’s federal and state income tax liability.

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Business Succession Planning through a GRAT

Andrew J. Horwitz, CFP® |
My Business

Succession planning can be an exciting, satisfying process for owners of closely held businesses, but it also involves difficult issues that must be tackled head on. One of the major challenges that entrepreneurs encounter is determining the best way to pass on the ownership of their business to their children or other heirs.The business owner can choose any number of methods of transferring ownership of a company, while simultaneously minimizing gift and estate taxes and probate costs.