About the Author

Matthew J. Mancini, CFP®, ChFC®, AEP®

Vice President and Wealth Planner

As part of the Wilmington Trust Emerald Family Office & Advisory team, Matthew is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners. He works closely with other professional and family advisors to analyze financial positions and develop plans to help clients achieve future personal and financial goals.

Matthew, who joined M&T Bank in 2009, has been helping individuals with their financial planning since 2006.

He holds a bachelor’s degree in finance from Canisius College and earned the CERTIFIED FINANCIAL PLANNER™ designation in 2011, and the CHARTERED FINANCIAL CONSULTANT® designation in 2015 from The American College. Matthew has also received the ACCREDITED ESTATE PLANNER® designation from the National Association of Estate Planners and Councils in 2019.

Matthew is an active member of the Financial Planning Association of Western New York and the Western New York Estate Planning Council.


By the Author

The Timely Benefits of a Health Savings Account

Matthew J. Mancini, CFP®, ChFC®, AEP® |
Emerald GEMs

September 8, 2020—The global health pandemic is a reminder of how quickly and unexpectedly significant health care issues can arise. It may be time to ask: Is it beneficial to have a health savings account when I can afford to pay for health care expenses out of my pocket? Wealth Planner Matthew Mancini discusses the key benefits of these popular savings accounts, explaining how they not only help to prepare families for unexpected medical expenses, but may offer tax incentives as well.

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Opportunities and Challenges Under the SECURE Act

Matthew J. Mancini, CFP®, ChFC®, AEP® |
Wealth Planning
Secure Act NC.jpg

Passed in December 2019, the SECURE Act changed several retirement plan provisions for both individuals and businesses.The elimination of the “stretch” provisions for most non-spouse beneficiaries of IRAs and defined contribution plans (like a 401(k)) was perhaps the most significant and publicized change that was brought about by the SECURE Act.The Act provides for a later starting date for required minimum distributions (RMDs) from retirement accounts, up to 72 from 70½.

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Understanding the Tax Treatment of Retirement Plans

Matthew J. Mancini, CFP®, ChFC®, AEP® |
Wealth Planning
Tax Laws and Retirement Plans NC.jpg

 Make your retirement planning as tax-efficient as possible under today’s laws.Qualified savings plans and retirement accounts continue to offer taxpayers several options for saving for retirement.There are many additional opportunities and considerations for taxpayers to be mindful of in order to take full advantage of planning for retirement in the most tax-efficient manner.

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Understanding the Tax Treatment of Retirement Plans

Matthew J. Mancini, CFP®, ChFC®, AEP® |
Wealth Planning
Tax Laws and Retirement Plans NC.jpg

 Make your retirement planning as tax-efficient as possible.Qualified savings plans and retirement accounts continue to offer taxpayers several options for saving for retirement.There are many additional opportunities and considerations for taxpayers to be mindful of in order to take full advantage of planning for retirement in the most tax-efficient manner.Legislation passed in 2019 created some changes to the retirement plan landscape for individuals and small businesses.

Read More...