About the Author

Andrew J. Horwitz, CFP®

National Director, Wealth Strategies

As part of the Wilmington Trust and M&T Emerald Advisory Services® 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 FINRA Series 6, 7, 24, 63, and 65 securities licenses, as well as 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

Integrating Estate Planning and Borrowing

Alvina H. Lo and Andrew Horwitz |
Wealth Planning
Tax Reform and Leverage NC.jpg

Uncovering opportunities under the current tax law. Tax reform significantly increased the ability of high-net-worth individuals and families to pass wealth free of estate, gift, and generation-skipping transfer taxes, while increasing the importance of income tax planning. Borrowing or leverage strategies can be a critical component to protect wealth for your family by minimizing risk and reducing taxes.

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Business Succession Planning through a GRAT

Andrew J. Horwitz, CFP® |
My Business
GRAT-NC.jpg

If you own a business that you wish to pass on to your heirs, a Grantor Retained Annuity Trust (GRAT) can offer tax savings and other advantages.A GRAT is a popular method of transferring property tax -efficiently, such as stock in a closely held business, to a trust in exchange for an annual payment (or annuity) for a term of years.GRATs allow a business owner to maintain control of the business, while passing along appreciation to the beneficiaries in the form of closely held stock.

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