About the Author

Bruce L. Carrow, CFP®, CLU®, ChFC®, AEP®, CAP®

Bruce is responsible for providing comprehensive financial planning to individuals and business owners throughout the United States. His areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning.

Prior to joining M&T Bank, which acquired Wilmington Trust in 2011, Bruce was a vice president and wealth management consultant in HSBC Bank USA’s Domestic Private Banking division. He has provided financial solutions for individuals and businesses for more than 30 years.

Bruce holds a bachelor’s degree from the University of Western Ontario and earned his Certified Financial Planner designation from the College for Financial Planning in Denver, Colorado. He received his Chartered Financial Consultant, Chartered Life Underwriter, and Chartered Advisor in Philanthropy designations from The American College in Bryn Mawr, Pennsylvania. Bruce received the Accredited Estate Planner designation from the National Association of Estate Planners and Council.

Bruce currently serves as secretary and past president of the board of trustees for the Financial Planning Association of Western New York. He is a board member of the Ridley College Fund USA and serves on the finance committee of the Aurora Waldorf School. He is a member of the Estate Analysts of Western New York and the National Association of Estate Planners and Council.


By the Author

Protecting Your Executive Income in the Event of a Disability

Bruce L. Carrow, CFP®, CLU®, ChFC®, AEP®, CAP® |
Wealth Planning
Worried couple

 Planning for this potential risk is critical for corporate executives.  As a corporate executive, the amount of your future earnings can be negatively impacted if you become disabled through illness or injury. When considering the effects of a disability, you should first examine what existing coverage you have in place through your executive compensation program.

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