Authors

Tony Roth

Chief Investment Officer

Anthony “Tony” Roth is Chief Investment Officer for Wilmington Trust Investment Advisors, Inc, the investment advisory arm of M&T Bank Corporation. Tony plays a key role in developing and delivering investment services for our wealth, institutional, and brokerage clients. He provides strategic direction for the firm’s asset management investment activities including asset allocation, manager research, and portfolio construction. Tony leads the firm’s Investment Committee. Tony joined Wilmington Trust in 2014 with extensive experience in wealth management and investment advisory. Prior to joining Wilmington Trust, Tony was Chief Investment Officer (CIO) for Aquitaine Management in New York. Before that, he worked for UBS Wealth Management Americas as CIO, where he founded the Ultra High-Net-Worth Chief Investment Office. Earlier in his career, he was founder and co-head of the Advisory Services Division at Bear, Stearns & Co. Inc., served as director of the Family Wealth Group at Sanford C. Bernstein & Co., and was a tax attorney at Cleary Gottlieb in New York. Tony earned his law degree from Harvard Law School. He holds a master’s degree in French and International Tax Law from Université Panthéon Sorbonne, and graduated magna cum laude from Brown University with a degree in Philosophy.

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Luke Tilley

Chief Economist

As a member of Wilmington Trust's Investment Committee, Luke develops forecasts of the U.S. and international economies, as well as researches emerging issues to support and enhance the firm's investment strategy. Luke is also responsible for communicating the economic outlook and investment strategy to clients and the public. Prior to joining Wilmington Trust in 2015, Luke was Officer and Economic Advisor with the Federal Reserve Bank of Philadelphia. Earlier in his career, Luke worked as a senior economist at IHS Global Insight and as an economist for the U.S. Department of Housing and Urban Development. Luke holds a master's degree and Ph.D. in Economics from Temple University, and a bachelor's degree in Economics and History from James Madison University. He is an former adjunct faculty member at Temple University and formerly served on the board of directors of the Pennsylvania Economic Association. In addition, Luke is President of the Philadelphia Council for Business Economics, a chapter of the National Association for Business Economics.

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Clement K. Miller

Administrative Vice President and Portfolio Manager

As part of Wilmington Trust Investment Advisors, the investment advisory arm of Wilmington Trust and M&T Bank, Clement is the Portfolio Manager for the Wilmington Multi-Manager International Fund. He is also the primary analyst for the selection of third-party investment managers for international equities and fixed income, including emerging markets, and is a voting member of the Investment Committee. Prior to joining Wilmington Trust Investment Advisors, Clement served in M&T Bank’s international trade finance group, serving as team leader for export finance. Earlier in his career he held several positions at the Export-Import Bank of the United States in Washington, D.C. The Export-Import Bank provides loans and financial guarantees to support U.S. exports to borrowers, primarily located in emerging markets. He served as manager of the workouts division, loan officer, and country risk analyst. Clement served for two years as a member of a U.S. delegation to international trade negotiations. He was a member of the Credit Committee, which reviewed all transactions over $10 million. Prior to joining the Export-Import Bank, he was an international economist with Wharton Econometrics (later incorporated into IHS Insight). Clement holds a master’s degree from George Washington University in Finance and International Business and a bachelor’s degree in International Economics from Georgetown University’s School of Foreign Service. He received his Chartered Financial AnalystTM (CFA) designation in 2001. He has served two terms as President of the Baltimore CFA Society and is currently its treasurer.

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Meghan Shue

Administrative Vice President and Senior Investment Strategist

Meghan is a Senior Investment Strategist at Wilmington Trust and a member of Wilmington Trust’s Investment Committee. Meghan’s responsibilities include helping manage the end-to-end asset allocation process, developing market research, and communicating the team’s market outlook and positioning to clients and prospective clients. Prior to joining Wilmington Trust, Meghan was an Investment Strategist at Bessemer Trust, where she helped manage the asset allocation decision and implementation process, performed asset allocation and market research, and published pertinent thought leadership. Meghan holds an MBA with a concentration in Finance from the University of Miami and graduated valedictorian. She also holds a bachelor’s degree in Engineering, with a concentration in Operations Research and Financial Engineering, from Princeton University.

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Rhea Thomas

Economist

Rhea is an Economist at Wilmington Trust, responsible for monitoring and analyzing economic developments in domestic and international economies. Prior to joining Wilmington Trust, Rhea served as Vice President in Foreign Exchange Sales at Lehman Brothers, where she provided primary sales coverage to institutional clients. Earlier in her career, she focused on foreign exchange research, where she helped to build models and write publications to explain currency market movements and trade ideas. Rhea holds a bachelor’s degree in Economics and International Studies with Distinction from Yale University.

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Sharon L. Klein

President, Family Wealth, Eastern Region, Wilmington Trust, N.A.

Sharon is responsible for coordinating the delivery of all Wealth Management services by teams of professionals, including planning, trust, investment management, family office, and private banking experts, to high-net-worth clients in the Eastern United States. Sharon has more than 25 years of experience in the wealth management arena and is a nationally recognized speaker and author. She has spoken for many professional organizations, including the Heckerling Institute on Estate Planning, the New York University Institute on Federal Taxation, the Notre Dame Estate Planning Institute, the Duke University Estate Planning Conference, and the Bloomberg BNA Tax Management Advisory Board. Sharon is frequently featured or quoted in publications such as The Wall Street Journal, The New York Times, Estate Planning magazine, and Trusts & Estates magazine. Sharon is a Fellow of the American College of Trust and Estate Counsel and a member of New York Bankers Association Trust & Investment Division Executive Committee, The Rockefeller University Committee on Trust and Estate Gift Plans, the Professional Advisory Council of the Anti-Defamation League, the Estates, Gifts and Trusts Advisory Board for The Bureau of National Affairs, and the Thomson Reuters Trusts & Estates Advisory Board. She is a past chair of the New York City Bar Association’s Trusts, Estates and Surrogate’s Court Committee, a past chair of the New York State Bar Association’s Trusts and Estates Law Section Taxation Committee, and a member of the New York City Bar Association’s Matrimonial Committee. In June, 2018, Sharon was honored by the UJA-Federation of New York Lawyers Division for her contributions to the Trusts & Estates community and the community at large. Prior to joining Wilmington Trust, Sharon was managing director and head of Wealth Advisory at Lazard Wealth Management, where she led the delivery of all Wealth Advisory services. Before that, she headed the Estate Advisement department at Fiduciary Trust Company International. Sharon began her career as a trusts & estates attorney at Rosenman & Colin (now Katten Muchin Rosenman LLP). She holds a master of laws from the Boalt Hall School of Law at the University of California, Berkeley, and received a bachelor of arts and a bachelor of laws from the University of New South Wales, Australia.

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Marguerite Weese

Vice President and National Director of Fiduciary Planning

Marguerite is responsible for developing customized wealth management strategies and financial plans for Wilmington Trust’s most prominent individuals, families, and business owners. She works closely with other professional and family advisors to structure comprehensive financial plans to help clients meet their current objectives and achieve future personal and financial goals. Marguerite oversees the organization’s intergenerational family trust and estate educational offering. Before joining Wilmington Trust, Marguerite was an associate in PricewaterhouseCoopers’ personal financial services group in their Philadelphia office. Marguerite holds a Juris Doctorate and Master of Laws in Taxation from Villanova University’s Charles Widger School of Law, and earned her Bachelor of Science and Bachelor of Arts from the University of Maryland, College Park. Marguerite is an adjunct professor at both the Charles Widger School of Law and Temple University Beasley School of Law. She is a member of the Philadelphia Bar Association’s Probate and Trust Section’s Executive Committee and an active participant in the Philadelphia Estate Planning Council. Marguerite is the Vice Chair of the Board of Directors for WOMEN’S WAY.

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Carol G. Kroch

Administrative Vice President, National Director of Philanthropic Planning

Carol is responsible for philanthropic planning for Wealth Management. She has extensive experience working with individuals and nonprofit organizations in estate, trust, and charitable gift planning and in advising nonprofit corporations and trusts, including private foundations and public charities. Carol was named by Private Asset Management magazine in June 2016 and May 2015 as one of the 50 most influential women in private wealth. Prior to joining Wilmington Trust in 2005, Carol was senior counsel at The Robert Wood Johnson Foundation, the largest foundation in the United States devoted to health and healthcare. She was responsible for legal matters related to the Foundation’s investment portfolio, including the negotiation of alternative investment vehicles. In addition, she had responsibility for tax, business, corporate governance, and grant-making matters. Previously, Carol was in private practice at Drinker Biddle & Reath, LLP in Philadelphia and Cahill Gordon & Reindel, LLP in New York. Carol holds a JD from Boston College Law School, where she was a member of the Law Review and the Order of the Coif, and a bachelor’s degree from Wellesley College. She is a Fellow of the American College of Trusts and Estates Counsel and is a member of the National Conference of Lawyers and Corporate Fiduciaries. Carol is co-chair of the Art and Collectibles Committee of the Section of Real Property Trust and Estate Law (RPTE) of the American Bar Association (“ABA”). She is a past RPTE Council member and served as the Supervisory Council member for the Charitable Planning and Organizations Group. She is also a member of the Exempt Organizations Committee of the ABA Tax Section and co-chair of the Subcommittee on Model State Regulatory Statutes. Carol was the ABA Advisor to the Drafting Committee of the Uniform Prudent Management of Institutional Funds Act and was an ABA Advisor for the Model Entity Transactions Act Drafting Committee. She is a member and past chair of the Nemours A.I. duPont Hospital for Children Planned Giving Committee and is a member of the Children’s Hospital of Philadelphia Legacy Advisors Group and the Barnes Foundation Professional Advisors Council.

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Stephen Winterstein

Managing Director & Chief Municipal Fixed Income Strategist

Stephen is responsible for establishing the municipal bond portfolio management and research processes for Wilmington Trust. He also sets municipal bond strategy for the firm’s institutional and individual clients. Stephen has more than three decades of municipal fixed income portfolio management, trading, and research experience. Prior to joining Wilmington Trust, he was managing director of municipal fixed income with PNC Capital Advisors, LLC in Philadelphia for more than 12 years, where he established and led a team of 15 municipal fixed income professionals dedicated to municipal bond management for high-net-worth individuals and institutional clients. In both 2014 and 2015, in a ballot distributed to over 1,000 institutional municipal fixed income industry peers, Stephen was elected to SMITH’s Research & Gradings Municipal All-Star Team in the category of Municipal Strategist.  A thought leader in the municipal bond market, he is widely recognized in industry circles for his contribution to areas such as municipal bond indices, evaluations, performance attribution, and risk management. Stephen holds an MBA from Lehigh University and bachelor’s degree in Economics from Millersville University.

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The Wilmington Trust Equipment Finance Team

Your equipment financing and transportation project transactions – including those involving aircraft, rail cars, locomotives, vessels, power plant facilities, and more – require the attention of experienced professionals adept in global trust, agency, and SPV administrative services. Learn how Wilmington Trust can help advance your projects – in the jurisdiction of your choice. Click here to learn more about our Equipment and Transportation Finance Team.

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Jeffrey C. Wolken

National Director of Fiduciary Strategies

Jeff is responsible for developing trust planning strategies for wealthy individuals and families throughout the United States and abroad. He works closely with his clients’ legal, tax, and investment advisors to construct and implement appropriate trust structures that take advantage of the state of Delaware’s unique trust and tax laws. Prior to joining Wilmington Trust in 2005, Jeff spent seven years in private legal practice as a member of the Estates and Trusts Practice Group of the Philadelphia-headquartered law firm of Montgomery, McCracken, Walker & Rhoads, LLP. Jeff earned his J.D. (summa cum laude) and MBA (with honors) from Syracuse University and holds a bachelor’s degree in Economics from Northwestern University, where he was a member of Phi Beta Kappa. Jeff is a frequent lecturer on topics involving the use of Delaware trusts for asset protection, state income tax minimization, and investment management for unique trust assets. Jeff is admitted to the practice of law in Delaware, Pennsylvania, and New Jersey. He is a member of the Estates and Trusts Section of the Delaware State Bar Association, the Probate and Trust Law Section of the Philadelphia Bar Association, and the Estate Planning Council of Delaware.

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Donald P. DiCarlo Jr.

Senior Vice President, Chief Fiduciary Officer

Don serves as Chief Fiduciary Officer for Wilmington Trust’s Wealth Management Division, overseeing the development and delivery of our trustee and planning services. Don and his team provide families and business owners with strategic wealth planning advice and assist them in the implementation of their estate and business succession plans. Prior to joining Wilmington Trust in 2008, Don was the Director of Estate Planning and Senior Fiduciary Counsel for The Vanguard Group in Malvern, Pennsylvania. His past experience also includes the private practice of law and active duty service as a Judge Advocate in the United States Army. Don earned his undergraduate degree from Villanova University and his law degree from New England Law in Boston. He also holds a master of laws (LL.M.) degree in taxation from Temple University Law School and a master’s degree in moral theology (Christian ethics) from St. Charles Borromeo Seminary in Wynnewood, Pennsylvania. Don is an adjunct professor of tax law at both Villanova and Temple University Schools of Law and a frequent lecturer and author for the American Law Institute and other professional associations. He currently serves on the Board of Trustees of the World Affairs Council of Philadelphia. Don is an Ordained Deacon in the Archdiocese of Philadelphia.

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Walter Dillingham

Managing Director, Endowments, Foundations and Hospitals

Walter specializes in serving endowments, foundations, and other institutional clients. He is part of a dedicated endowment and foundation advisory team within the Northeast Region, which also supports the firm’s national effort in the endowment and foundation marketplace. Walter and his team work closely with their not-for-profit clients to help them achieve both their investment and philanthropic objectives. Walter has authored original research on a number of nonprofit sectors including hospitals, community colleges, public libraries, private schools, and religious organizations that have been covered by the financial press. Walter is a Chartered Financial Analyst® (CFA) and has nearly three decades of financial services industry experience. Prior to joining Wilmington Trust, he spent 10 years as director of Philanthropic Management for Bank of America Merrill Lynch where he worked with endowments, foundations, and healthcare organizations throughout New York, New Jersey, and Pennsylvania. Earlier in his career, Walter was with David L. Babson & Co. Inc., in Cambridge, where he worked with institutional investment clients on sub-advisory and managed account programs. He also worked with institutional investors as a director of Managed Funds Ratings at Standard & Poor’s Corporation, where he began as an equity analyst covering the financial services sector. He started his career as a corporate accountant at XTRA Corporation in Boston. Walter earned an MS in Philanthropy from New York University, an MBA from Babson College, and a BA in Economics from Bates College. Walter is a trustee of Fisher College (Boston) and serves on the Forest Hills Gardens Corp. Finance Committee. He also served on the Investment Advisory Committee of United Nations University and on the Professional Advisory Committee for both Lighthouse International and the Children’s Support Foundation. He is a member of the CFA Institute, the New York Society of Securities Analysts, the Philanthropic Planning Group of Greater New York and the Healthcare Finance Management Association.

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Bruce F. Hoffmeister

Vice President and Wealth Strategist

Bruce is responsible for developing and implementing comprehensive financial, estate planning, and wealth transfer plans for high-net-worth families and entrepreneurs as part of the National Business Owners Advisory Services Group. Bruce works closely with clients and their advisors to define each client’s specific goals and objectives before developing an appropriate plan. Bruce has over two decades of experience in estate and financial planning for high net-worth families and closely held business owners. Prior to joining Wilmington Trust, he was a Senior Financial Planner with Wells Fargo, N.A., where he was responsible for financial and estate planning for individuals with complex situations and business owners of the Private Bank for the mid-Atlantic region. He previously headed the Trusts and Estates practice group as a partner in the Washington, DC law firm of Feldesman Tucker Leifer Fidell LLP. He began his career as a tax associate with Price Waterhouse in St. Louis and was subsequently a tax associate with the law firm of Fisher Wayland Cooper & Leader in Washington, DC. Bruce holds a JD from the Washington University School of Law and earned a bachelor’s degree in Accountancy from the University of Illinois in Champaign. He is also a certified public accountant. Bruce is admitted to practice law in the District of Columbia, Illinois, and Missouri. He is a member of the DC Estate Planning Council and the District of Columbia, Missouri, and American Bar Associations. He is also a member of the AICPA and the Illinois CPA Society. Bruce has been quoted in the Wall Street Journal, New York Times, and Bloomberg News and been a guest on Public Radio regarding financial and estate planning topics.

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Mark Oller

President, Family Wealth, Delaware

Mark is responsible for coordinating the delivery of all Wealth Management services for Family Wealth clients throughout the state of Delaware. He manages a team of professionals with expertise in planning, trust, investment management, private banking, and estate settlement. Mark joined Wilmington Trust in 1990 and has specialized in all aspects of corporate development and Wealth Management during his tenure with the firm. He holds an MBA from the University of Delaware and bachelor’s degrees in accounting and finance from Goldey-Beacom College, where he graduated summa cum laude. Mark is also a graduate of the ABA National Graduate Trust School and is a Certified Trust and Financial Advisor. He currently serves on the advisory board for the College of Business and Economics at the University of Delaware, the advisory board for the University of Delaware Trust Management Minor, the financial advisory council of New Castle County, and the board of directors for Catholic Charities of the diocese of Wilmington. In addition, he has been on the faculty of the American Bankers Association (ABA) National Trust School since 2005. Mark was a speaker at the 2013 and 2017 Delaware Trust Conferences. Mark’s past community and professional affiliations include the Wilmington Jaycees, the Delaware Jaycees, Contact Delaware, Prevent Child Abuse Delaware, the ABA Trust School Advisory Board, and the American Red Cross of Delmarva.

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Clyde Kessinger

Vice President and Senior Investment Advisor

Clyde is responsible for developing customized investment portfolios for his clients based on their unique parameters for risk, return, liquidity, and other factors He takes the time to listen to his client’s objectives and to understand any tax, legal, and personal considerations. He then structures a well-diversified portfolio in keeping with the client’s recommended asset allocation program. Clyde continually monitors and periodically rebalances his clients’ portfolios to meet their evolving needs and to take advantage of new investment opportunities. Clyde has more than 25 years of experience in the financial services industry, specializing in investment management and asset allocation. Prior to joining Wilmington Trust in 2000, he served as a high-net-worth portfolio manager for PNC Bank, Delaware. Clyde holds a master’s degree in Finance from Drexel University and a bachelor’s degree in Accounting with a minor in MIS/DSS from the University of Delaware. Clyde is a member of the CFA® Society of Philadelphia and the CFA Institute. He currently sits on the Finance Committee of St. Elizabeth Catholic Church and contributes time to the Meals on Wheels program.

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Blair Talty

Vice President and Wealth Strategist

Blair is responsible for developing and implementing comprehensive financial, estate planning, and wealth transfer plans for high-net-worth families and entrepreneurs throughout the New Jersey region. Blair works closely with clients and their advisors to define each client’s specific goals and objectives before developing an appropriate plan. Blair’s areas of proficiency include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning. Prior to joining Wilmington Trust, Blair served as a vice president and senior wealth planner at PNC. In that role, he advised high-net-worth clients on all areas of estate and financial planning. Prior to his work at PNC, Blair practiced law in the Trusts and Estates practice groups at Brown & Connery, and Morgan Lewis law firms. Blair holds a Juris Doctorate from Rutgers School of Law and a bachelor’s degree in Criminal Justice from Rutgers University. Blair is admitted to practice law in New Jersey and Pennsylvania. He is a member of the Estate and Financial Planning Council of Southern New Jersey and the South Jersey Chamber of Commerce. Blair is active in his local community, serving on the Professional Advisors Committee of the Community Foundation of South Jersey, and is a past member of the Board of Trustees for United Way of Camden County (now a part of United Way of Greater Philadelphia and Southern New Jersey). Blair also coaches youth sports in his community.

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Carlo Lombardi

Vice President and Team Leader

Carlo is responsible for managing a team of relationship managers with experience in planning, trust, investments, family governance, and family office services for clients with inherited wealth. Carlo ensures that his teams provide ongoing support and communication for our clients, while continually assessing their needs and recommending appropriate strategies to meet their current and long-term objectives. Carlo has more than two decades of experience in wealth management, specializing in trusts and estates. He joined Wilmington Trust’s wealth management team in 2004, overseeing the management of all U.S. and international real estate assets held in client trust accounts. Earlier in his career, Carlo was a practicing attorney in Bryn Mawr, Pennsylvania. Carlo holds a Juris Doctorate from Villanova University School of Law and a bachelor’s degree in Criminal Justice, summa cum laude, from St. Joseph’s University. He is admitted to practice law before the bars of Pennsylvania, New Jersey, and the Supreme Court of the United States. Carlo is also a graduate of the American Bankers Association National and Graduate Trust schools and has earned his CTFA (Certified Trust and Financial Advisor) designation. Carlo is a member of the Estate Planning Council of Delaware, the Wilmington Tax Group, and a member of the Delaware Trust Conference Planning Committee. Carlo is also a volunteer with the Wellness Community in Philadelphia.

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Anthony Silva

Research Associate

Anthony is a research associate responsible for third-party manager due diligence. He provides generalist support across the Manager Research Group devoting a significant portion of his time to alternative investment strategies. Anthony began his career at Wilmington Trust in the summer of 2015 through the Management Development Program. He holds a BA in Economics and Business from Cornell University.

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Andrew Horwitz

Vice President and Deputy Chief Wealth Strategist

Andrew is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout Harrisburg, Pennsylvania. His areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning. Andrew has more than a decade 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, Andrew served as a practicing attorney, specializing in wills and trusts. Andrew 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 Series 6, 7, 24, 63, 65 Securities licenses, as well as his Pennsylvania Life, Variable Annuities, Accident ,and Health licenses. Andrew is a member of the Financial Planning Association for the Central Pennsylvania Region and the Pennsylvania Bar Association.

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Robert Collins

Director of Municipal Fixed Income

Rob leads the team responsible for municipal fixed income investing as part of Wilmington Trust Investment Advisors’ Fixed Income Group. In this role he oversees credit analysis on municipal fixed income securities and portfolio management of tax-exempt municipal fixed income portfolios for Wilmington Trust’s high-net-worth clients. In addition, Rob is the portfolio manager for the Wilmington Municipal Bond Fund, the Wilmington NY Municipal Bond Fund, and the Wilmington Municipal Bond Common Fund. Rob first worked at Wilmington Trust from 1982 to 1999, during which time he held several positions of increasing responsibility. He began as a credit analyst and bond trader and progressed to become a tax-exempt fixed income portfolio manager and leader of the tax-exempt fixed income group. Rob also managed cash portfolios and assisted with the expansion of Wealth Advisory Services to support clients in California, Florida, and New York. Rob then worked for five years as a senior vice president at PNC Financial Corp., in Philadelphia, where he started and co-managed the investment group dedicated to managing municipal bond portfolios for high-net-worth clients. He was also a senior vice president at Delaware Investments in Philadelphia for five years. There, he was a senior portfolio manager of tax-exempt municipal bonds in mutual funds and institutional accounts with approximately $4 billion in assets under management. These portfolios included national and state-specific mandates, intermediate- and long-term funds, and high-yield funds. Rob holds a bachelor’s degree in Economics from Ursinus College in Collegeville, Pennsylvania, and earned the CFA® designation in 1987. He is a member of the CFA Society of Philadelphia and a past grader of the CFA exam. Rob is a former member of the Southern Municipal Finance Society and the National Federation of Municipal Analysts. He is also a past president of the Financial Analysts of Wilmington.

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Rachael Leberstien, CPA

Assistant Vice President and Client Accounting Director II

Rachael is a director in the Family Office group, providing tax consulting and compliance services for complex individual and trust income tax returns, gift tax returns, returns for nonprofit entities and private foundations, corporate, and partnership tax returns. Rachael also assists affluent families and high-net-worth individuals with comprehensive planning , helping to incorporate tax strategies through trusts and flow-through entities. Prior to joining Wilmington Trust Company in 2015, Rachael worked in public accounting for more than 12 years and specialized in working with high-net -worth individuals and small businesses to provide tax planning and tax preparation services. Rachael holds a bachelor’s degree in accounting from Wilmington University where she graduated magna cum laude. She earned her CPA designation in 2005. Rachael is a member of the American Institute of Certified Public Accountants and the Delaware Society of Certified Public Accountants.

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Jonathan Fitzgerald

Vice President and Director of Wealth and Fiduciary Planning, Florida

Jonathan is responsible for developing customized wealth management and financial plans for high-net-worth individuals and families, business owners, entrepreneurs, and foundations and endowments throughout the state of Florida. His areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning. Jonathan and his team work closely with clients and their advisors to develop estate , trust, and financial strategies to help clients meet their current needs and plan for their long-term objectives. Prior to joining Wilmington Trust, Jonathan was in private practice of law, advising high-net-worth individuals in their estate and federal taxation planning. Earlier in his career, Jonathan worked for four years in the international public accounting firm of PricewaterhouseCoopers LLP in the firm’s New York City banking and capital markets practice. Jonathan holds a J.D. from the University of Florida Levin College of Law and a bachelor’s degree in Accounting from the University of Notre Dame. He is a member of the Florida Institute of Certified Public Accountants and is a member of the Florida Bar Tax Law and Real Property and Probate Law sections.

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Patrick Cassidy, CFA CTFA

Managing Director and Senior Portfolio Manager

Patrick is responsible for managing a team of investment specialists in our Pennsylvania and New Jersey region with expertise in strategic asset allocation and portfolio management. Patrick works with high-net-worth clients to develop customized investment portfolios based on their unique parameters for risk, return, and liquidity. He takes the time to listen to his client’s objectives and to understand any tax, legal, and personal considerations. Patrick then structures a well-diversified portfolio in keeping with his recommended asset allocation program. He continually monitors and rebalances his clients’ portfolios to meet their evolving needs and to take advantage of new investment opportunities. Patrick has considerable tenure in the financials services industry, specializing in portfolio management. Prior to joining Wilmington Trust, he served as a portfolio manager for PNC Advisors. Earlier in his career, he was an investment advisor with a money management firm on the Main Line and also spent ten years trading equity options on the floor of the Philadelphia Stock Exchange. Patrick holds an MBA in Finance from Temple University and earned his bachelor’s degree in Finance from Drexel University. He is a Chartered Financial Analyst, is a member of the Institute of Chartered Financial Analysts, member of the Philadelphia Estate Planning Council and is a member of the Financial Analysts of Philadelphia. He is active in his church and with youth community sports programs and has volunteered his time with the Salvation Army.

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Fred Hopkins

National Head of Unique Asset Administration

As national head of Unique Asset Administration, Fred oversees several teams that administer interests in closely held businesses, real estate, mineral interests, loans and notes, life insurance, and other unique and hard to value assets that are held in trust, agency, or custody accounts. Fred joined Wilmington Trust in 2013 with considerable tenure in the wealth management industry. He holds a Juris Doctor from the University of Maryland School of Law, where he was an editor on the Business Lawyer, and a bachelor’s degree in economics from Williams College. Fred is a CFA® charterholder and a member of the CFA Institute, the CFA Society Baltimore, the Maryland State Bar Association, and the Baltimore Estate Planning Council. He currently serves as chairman of the investment committee for the Episcopal Diocese of Maryland and serves on the board of trustees of Friends of Clifton Mansion.

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Richard W. Nenno

Senior Trust Counsel and Managing Director

Richard W. Nenno, Esquire, is a senior trust counsel and managing director in Wealth Management at Wilmington Trust Company, Wilmington, Delaware. Dick has more than 40 years of estate-planning experience and is admitted to the practice of law in Delaware and Pennsylvania. He is a Fellow of the American College of Trust and Estate Counsel, a member of the Advisory Committee of the Heckerling Institute on Estate Planning, a Fellow of the American Bar Foundation, a member of the Bloomberg BNA Estates, Gifts, and Trusts Advisory Board, and a Distinguished Accredited Estate Planner. Prior to joining Wilmington Trust Company in 1982, he was an associate in the Estates Department of the Philadelphia law firm of Ballard, Spahr, Andrews and Ingersoll. Dick is a cum laude graduate of Princeton University with an A.B. degree from the Woodrow Wilson School of Public and International Affairs. He earned his JD from Harvard Law School. 
Dick is recognized as a national speaker and published authority on estate-planning issues. He has presented at the Heckerling Institute on Estate Planning, ACTEC national meetings, the Hawaii Tax Institute, the Notre Dame Tax and Estate Planning Institute, the AICPA Advanced Estate Planning Conference, the NYU Institute on Federal Taxation, and The Tax & Estate Planning Forum (formerly the Southern California Tax & Estate Planning Forum). He is a member of the American Bar Association, Section of Real Property, Trust & Estate Law (former Member of Council) and Section of Taxation; Delaware State Bar Association (Past Chair: Estates and Trusts Section); Estate Planning Council of Delaware, Inc. (Past President); Philadelphia Bar Association. Dick is the author or co-author of numerous publications, including The Uniform Voidable Transactions Act: Why Transfers to Self-Settled Spendthrift Trusts by Settlors in Non-APT States Are Not Voidable Transfers Per Se, 42 Tax Mgmt. Est., Gifts & Tr. J. 173 (July 13, 2017); Delaware Trusts 2017; Reprise! The State Taxation of Trust Income Five Years Later, 51 Heckerling Inst. on Est. Plan. ¶ 1500 (2017); A Practitioner-Friendly Guide to the Delaware Asset-Protection Trust, 30 Prob. & Prop. 53 (Jan./Feb. 2016); Good Directions Needed When Using Directed Trusts, 42 Est. Plan. 12 (Dec. 2015); Planning for New York Trusts to Escape State Income Tax, 42 Est. Plan. 12 (Oct. 2015); Getting a Stepped-Up Income-Tax Basis and More by Springing—or Not Springing—The Delaware Tax Trap the Old-Fashioned Way, 40 Tax Mgmt. Est., Gifts & Tr. J. 215 (Sept. 10, 2015); There’s No Place Like Home, But Where’s Home? The Role of “Residence” and “Domicile” in State Income and Transfer Tax Planning, 48 Heckerling Inst. on Est. Plan. ¶ 400 (2014); 869 T.M., State Income Taxation of Trusts (2013); A Comparison of the Leading Trust Jurisdictions, 37 Tax Mgmt. Est., Gifts & Tr. J. 233 (July 12, 2012); 867 T.M., Choosing a Domestic Jurisdiction for a Long-Term Trust (2010); 868 T.M., Domestic Asset Protection Trusts (2010).

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Matthew T. Panarese

Mid-Atlantic Region President, Wilmington Trust, N.A.

Matt is responsible for leading Wilmington Trust’s Wealth Advisory Services throughout the mid-Atlantic Region. He oversees the regional sales, fiduciary, private banking, and client management teams in Pennsylvania, Southern New Jersey, Delaware, Maryland, DC, and Virginia. In addition, Matt leads the firm’s Business Owners National Practice Group. Matt and his team work closely with clients and their advisors to develop financial strategies that help clients meet their current needs and plan for their long-term objectives. Matt ensures that clients receive the appropriate blend of services based on their unique needs, including investment management, planning, trust, and family governance and education, and family office services. Matt also works with owners of closely held businesses and their advisors on strategic alternatives. Matt joined Wilmington Trust in 2008 with considerable tenure in the financial services industry, specializing in wealth management and corporate and investment banking. Matt is a member of the Philadelphia Estate Planning Council and the Main Line Chamber, and is active with Bryn Mawr Rehab Hospital. Matt holds a bachelor’s degree from the University of Pennsylvania.

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Laura Ferrino, CFP®, CTFA, CLU, CCPS

Vice President and Wealth Strategist

Laura is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout Upstate New York. Her areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning. Laura has more than two decades of experience in the financial services industry. During her tenure with M&T Bank, which acquired Wilmington Trust in 2011, Laura served as vice president of the Finance Division; manager of Corporate Initiatives; manager of Strategic Business Unit Support; and manager of Cost Accounting. Earlier in her career, she worked in the Finance Division of Marine Midland Bank and was also a finance professional in the manufacturing industry. Laura holds an MBA in Finance from SUNY Buffalo and a bachelor’s degree in Finance and Management from Canisius College. She holds the FINRA Series 7 and 63 securities licenses and NYS Life, Accident and Health licenses. Laura is a member of the Financial Planning Association, Financial Planning Counselors of Western New York, and the Estate Analysts of Western New York.

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Paul Kieffer

Administrative Vice President and Director of Financial Planning

Paul is responsible for managing the Personal Financial Planning Department, which provides objective comprehensive financial planning to executives, business owners, and high-net-worth individuals and families. Prior to joining M&T Bank, which acquired Wilmington Trust in 2011, Paul was a tax manager with the CPA firms of D’Alba & Donovan, and Fiddler & Co. for more than 15 years. He holds an MBA from the State University of New York at Buffalo and completed their Graduate Tax program. Paul is a Certified Public Accountant and a Chartered Global Management Accountant. He obtained his Certified Financial Planner™ designation from the College for Financial Planning in Denver, Colorado, and earned his Personal Financial Specialist designation from the American Institute of Certified Public Accountants. Paul received his designations as a Certified Life Underwriter, a Retirement Income Certified Professional, a Certified Advisor in Philanthropy, and a Chartered Financial Consultant from The American College. He also holds licenses for FINRA Series 7 and 63 Securities, and Life and Health insurance. Paul has instructed courses in the Certified Financial Planner Program internally for M&T Bank, as well as similar courses as an adjunct faculty member at Canisius College. He is currently the Treasurer and Member of the Board of Directors for MusicalFare in Buffalo, New York. Previously he served on the Board of Directors and as the Treasurer of the Make-A-Wish Foundation of Western New York. In addition, he completed a six-year term as Treasurer of Buffalo/Niagara Sales and Marketing Executives, Inc. Paul is also a member of the Institute of Certified Financial Planners, Financial Planning Association, American Institute of Certified Public Accountants, and the New York State Society of Certified Public Accountants.

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Tom Pierce, CFA®

Head of Fixed Income Search and Strategy

Tom is the Head of Fixed Income Manager Research at Wilmington Trust Investment Advisors and is a member of the WTIA Investment Committee responsible for deriving the firms strategic and tactical asset allocation positioning. Mr. Pierce is a co-portfolio manager of the Multi-Strategy Income Solution and a consultant for the bank’s bank owned life insurance (BOLI) portfolio. Tom has over 30 years of investment industry experience encompassing multiple asset classes. Tom holds the Chartered Financial Analyst designation, has a B.A. in Economics from Washington University and an M.B.A. from the University of Chicago.

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Karleen Strayer

Vice President

Karleen is a senior credit analyst within the municipal fixed income group at Wilmington Trust Investment Advisors, Inc., the investment advisory arm of M&T Bank and Wilmington Trust. Prior to joining Wilmington Trust, Karleen was a managing director at National Public Finance Guarantee Corporation, a financial guarantor subsidiary of MBIA, Inc. During her 19 years at MBIA, Karleen managed teams in the areas of new business, insured portfolio management, and remediation, primarily focusing on the not-for-profit healthcare sector. She began her career as a commercial banker in the not-for-profit healthcare group within the First National Bank of Chicago. Karleen holds a Master’s degree in Business Administration from the University of Michigan Ross School of Business and a bachelor’s degree in Economics from Nebraska Wesleyan University. She is a member of the Municipal Analysts Group of New York, the National Federation of Municipal Analysts and the Philadelphia Area Municipal Analyst Society. Karleen serves on the board finance committee of the Western Connecticut Health Network and she serves as board member and treasurer for The Music School of Delaware.

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Peggy Moran, CFP®, CAP®, ChFC®

Assistant Vice President and Senior Analyst

Peggy is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout the Western New York region. Peggy’s areas of proficiency include estate and retirement planning, education planning, legacy planning, and philanthropic planning. Prior to her current role, Peggy worked in the institutional area of M&T Bank, which acquired Wilmington Trust in 2011, on employee benefit accounts and as an IRA administrator. She joined M&T in 1995 from Mellon Bank in Pittsburgh. Peggy holds a bachelor’s degree in Mathematics from the State University of New York at Buffalo. Along with the Certified Financial Planner designation, she has earned the Chartered Advisor in Philanthropy and Chartered Financial Consultant designations from The American College. Peggy is a member of the Financial Planning Association and the Downtown (Buffalo) chapter of Toastmasters International.

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Patrick Tadie

Group Vice President

Patrick specializes in Structured Finance strategies, products, and sales for the Global Capital Markets group. Prior to joining Wilmington Trust, Patrick was Global Head of Product, Strategy and Chief Credit Officer for the Corporate Trust group at BNY Mellon, where he held various positions including Executive Vice President and Business Executive for the Broker/Dealers and Alternative Investments groups; Executive Vice President and Global Business Head for Derivatives; and Executive Vice President of Structured Products for Corporate Trust. Earlier in his career, Patrick was also a Portfolio Manager at Freddie Mac; headed up Mortgage Finance at First Union; and was Business Head of Securitizations at Prudential Home Mortgage.

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Anthony Viducic

Vice President and Wealth Strategist

Anthony is responsible for developing customized wealth management strategies and financial plans for high- net-worth individuals, families, and business owners in the New York metropolitan region. He works closely with his clients and their other professional and family advisors to structure plans that help meet their financial and estate planning objectives. In addition, he is responsible for managing client relationships, ensuring that clients receive ongoing support and communication. Anthony has more than 20 years of comprehensive estate and financial planning experience. Prior to joining Wilmington Trust, he served as a wealth management consultant with UBS Financial Services, where he assisted high-net-worth individuals and families with their estate, financial, philanthropic, and business transition planning needs. Earlier in his career, he served as a senior wealth strategist with PNC Bank Wealth Management and was the manager of Trusteed IRA Services at Morgan Stanley Trust. He holds a JD from St. John’s University School of Law and a master’s of law in taxation from Villanova University School of Law. He also holds a bachelor’s degree in economics with a minor in political science from New York University. Anthony is admitted to the New York and New Jersey State Bar Associations and is a member of the Federal Bar for the United States District Court for the District of New Jersey. Anthony holds the FINRA Series 7 and Series 66 securities licenses.

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David L. Noto

Director, Premier Insurance Services

David is the Director of Premier Insurance Services at M&T Insurance Agency Inc. He spent 34 years specializing in all aspects of insurance for his family’s business before joining M&T Insurance Agency. David holds a bachelor's degree in Business Management from Canisius College.

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Mark Horst

Vice President, Equity Research

Mark is responsible for providing fundamental equity research to Wilmington Trust’s portfolio managers. He serves as a generalist with a broad range of sector and industry experience, with particular expertise in the Technology, Energy, Materials, and REIT sectors. Mark is a member of the portfolio management team for the Dividend Growth Strategy and the Enhanced Dividend Income Strategy (EDIS). Mark has more than a decade of experience in institutional fundamental equity research and portfolio management. Prior to joining Wilmington Trust in 2013, he served as a Senior Equity Analyst with Inverness Counsel, where he focused on identifying undervalued companies utilizing a GARP investment approach. Mark holds a master’s degree from the University of Michigan Ross School of Business and a bachelor’s degree in International Business from Lehigh University. He is a member of the CFA® Society of Philadelphia.

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Mary Hickok

Managing Fiduciary Director for Family Wealth

Mary serves as the supervisory fiduciary officer in the Fiduciary Services and Planning Group for the family wealth trust business and our legacy Delaware trust accounts. In addition, Mary will also serve as the Director of Fiduciary Actions where she will assist in the development of our fiduciary risk reporting as part of our overall Fiduciary Risk Management Program. Mary has more than three decades of experience as a practicing attorney. Prior to joining Wilmington Trust in 1988, she specialized in all aspects of estate planning and personal trust law for a firm in Delaware. Mary holds a Juris Doctorate from Widener University School of Law and an LL.M. in Taxation from Georgetown University. She is also a graduate of the University of Pennsylvania with a bachelor’s degree in International Relations. Mary is a member of the Delaware, Pennsylvania, and American Bar Associations. She is also a member of the Board of Directors for the United Way of Delaware and the Grants Committee of the Board of Directors for the Delaware Community Foundation. Mary is a former member of the Board of Directors for the Estate Planning Council of Delaware, and served as the Chair of the Estates and Trusts Section of the Delaware Bar Association for the 1999–2000 term.

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Ronald Logue, CPA, CTFA

Administrative Vice President and Family Wealth Market Manager

Ron is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout the United States. Ron’s areas of expertise include trust administration, estate planning, insurance planning, legacy planning, and philanthropic planning. Ron joined Wilmington Trust in 1997 and has over a decade of experience in wealth management and personal trust administration. He holds a masters in Taxation and a bachelor’s degree in Accounting from Widener University. He currently holds Life and Health Insurance licenses. Ron is a member of the American Institute of Certified Public Accountants and the Institute of Certified Bankers. He is a member of the Board of Trustees for the Delaware Museum of Natural History, and a member of the Financial Services Advisory Board for Widener University.

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Dan Rambert

Senior Research Analyst

Dan is a Senior Investment Analyst, responsible for traditional fixed income and credit strategies at Wilmington Trust Investment Advisors. Previous to joining M&T Bank, Dan worked as a Senior Investment Analyst at the Maryland State Retirement Agency covering a wide range of Fixed Income and Hedge Fund mandates. From 2004 through 2010 Dan was a Senior Analyst with Camden Partners where he performed fundamental equity research and helped direct their long/short equity hedge fund. Dan holds the Chartered Financial Analyst designation and has a BBA and MS in Finance, Investments, and Banking from the University of Wisconsin at Madison. While at the University of Wisconsin, Dan was a member of the Applied Security Analysis Program (ASAP).

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Eric W. Taylor

Director of Investment Planning & Portfolio Implementation

Eric is responsible for ensuring that Wilmington Trust’s investment planning platform provides a consistent, high-quality experience for investment professionals, clients, and prospects. His role also connects asset allocation with manager selection to ensure the firm’s model portfolios are meeting client needs. In addition, Eric oversees the efficient and accurate trading of client portfolios. Eric serves on the firm’s Investment Committee, the Portfolio Management Committee, and is the Team Lead for the Performance Monitoring Team, which evaluates the performance of the proprietary and third party managers on the firm’s platform. He is also a member of the Product and Platform Team, which oversees the firm’s investment product and services offering. Prior to joining M&T Bank, which acquired Wilmington Trust in 2011, Eric served as a Trust Officer at Tompkins Trust Company in Ithaca, New York, where he managed trust client relationships and also had responsibilities related to the company’s asset allocation decisions and U.S. equity portfolio. Eric holds an MBA from The Johnson School of Management at Cornell University and a bachelor’s degree in policy analysis and management from Cornell University. He is a Chartered Financial Analyst® charter holder and holds FINRA Series 7 and 66 securities licenses. Eric is active in the community and is a member of the Community Advisory Board for The Paleontological Research Institution, a natural history museum in Ithaca.

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Jordan Strauss, CFA

Vice President, Manager Strategies

Jordan is a member of the Manager Strategies team at Wilmington Trust Investment Advisors. He conducts third-party manager due diligence of alternative investment strategies including hedge funds, private equity, and private real estate. Jordan has nearly a decade of investment industry experience. Prior to joining Wilmington Trust in 2014, Jordan worked with PNC for nearly two years in the Investment Advisor Research Group conducting due diligence on alternative investment strategies. Earlier in his career, Jordan spent four years researching hedge funds and serving as a fundamental equity analyst at Lionstone Capital Management in New York. Jordan began his investment career in 2005 at Natixis Capital Markets in New York working closely with the CLO, RMBS, and hedge fund lending businesses.  Jordan holds a master’s degree in Engineering from Columbia University and a bachelor’s degree in Mathematics from the University of Vermont. Jordan is a CFA® Charterholder.

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Alvina H. Lo

Chief Wealth Strategist

Alvina is responsible for overseeing the wealth planning, strategic advice, and thought leadership services for Wilmington Trust's Wealth Advisory division. She manages a national team of wealth strategists, financial planners, and thought leadership experts, who together, serve as advisors to high-net-worth individuals and families, business owners, entrepreneurs, and foundations and endowments. Prior to joining Wilmington Trust, Alvina was the director and senior wealth planner for Citi Private Bank where she served as an advisor to both U.S. and international ultra-high-net-worth clients of the New York and cross-border markets. Previous to that, Alvina served as a wealth strategist with Credit Suisse Private Bank and managed the third party trustee platform. Earlier in her career, Alvina practiced law at Milbank Tweed Hadley & McCloy, LLP in the Trusts & Estates Group and served as a consultant for Deloitte Consulting and Scient Corporation. Alvina holds a bachelor’s degree in Civil Engineering from the University of Virginia where she was a Thomas Jefferson Scholar. She received her J.D. from the University of Pennsylvania, where she was a member of the Law Review and Order of the Coif. She also holds a Professional Tax Certificate in Estate Planning from New York University School of Law.  Alvina is a published author on estate planning matters and has lectured at the American Bar Association, New York City Bar, and Barron’s Top Women Advisors Summit. She is admitted to practice in the state of New York and New Jersey. She is also a member of the Society of Trust and Estate Practitioners (STEP) and is a member of Women In America, a professional development group. She is a regional committee co-chair of the Thomas Jefferson Scholarship Foundation for the University of Virginia. Alvina is bilingual and speaks fluent Chinese-Cantonese and basic Chinese-Mandarin.

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Dominick D’Eramo

Group Vice President and Chief Fixed Income Officer

Dominick directs 30 investment professionals including portfolio managers, credit analysts, and traders managing taxable and tax-exempt assets. He is responsible for the active management of institutional fixed income client relationships including pensions and endowments, community banking relationships, schools, hospitals, and state and local governments. Dominick is also a voting member of the Wilmington Trust Investment Advisors (WTIA) Investment Committee, which formulates the firm’s asset allocation strategy, manager selection, and portfolio construction processes. Dominick joined Wilmington Trust in 1986 as a Senior Fixed Income Trader supervising all trading of securities including money market instruments, Treasuries, Agencies, and corporate debt. During his tenure with the firm, he also served as a Senior Fixed Income Investment Officer and most recently as Director of Institutional Fixed Income, where he oversaw all institutional fixed income operations and staff management. Dominick holds an MBA from Widener University and a bachelor’s degree in Business Administration from the University of Delaware. He is a member of the Financial Analysts of Philadelphia and has served as a grader for the Chartered Financial Analyst exam.

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Gerard Durr

Vice President

Gerry is a senior credit analyst within the municipal fixed income group at Wilmington Trust Investment Advisors, Inc., the investment advisory arm of Wilmington Trust. Gerry joined Wilmington Trust in May 2014. He began his career as a municipal credit analyst at Moody's Investors Service in 1987 before moving to the New York State Environmental Facilities Corporation to work on the New York State Water Pollution Control Loan Program in 1990. In 1993 he joined Ambac Assurance Corporation. While at Ambac, Gerry was a member of the Public Finance Senior Credit Committee and became a Director of the firm's General Municipal Underwriting Unit, which conducted credit underwriting of general obligation, tax revenue, and utility revenue bond securities issued throughout the nation. Upon leaving Ambac in 2009, Gerry served as a consultant at several organizations including the National Association of Insurance Commissioners Gerry holds a master's degree in Public Administration from the Maxwell School of Syracuse University and a bachelor’s degree in in History and Political Science from LeMoyne College. He is a member of the National Federation of Municipal Analysts (NFMA) and the Municipal Analyst Group of New York (MAGNY).

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Bruce Carrow

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.

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Anne Kelligrew St.Clair, CIMA

Vice President and Private Banking Team Leader

Anne is responsible for meeting the complex financial needs of clients throughout the Northeast region. She provides strategic advice, highly personalized service, and tailored credit and banking solutions. As a private banking team leader, she makes the following M&T Bank services available: bridge financing, residential and investment real estate financing, and specialized asset-backed facilities secured by investments, art, yachts, and aircraft. In addition, Anne coordinates a broad range of services available through the Wilmington Trust Wealth Management team, including investment management, planning, trust, family governance, and family office services. Prior to joining Wilmington Trust, Anne was a senior private banker with Wells Fargo Private Bank for three years. Before Wells Fargo, she spent 13 years with U.S. Trust, Bank of America as a senior private client manager. Earlier in her career, Anne was an equity research statistician with Banc of America Securities and a fixed income analyst with Lehman Brothers. Anne holds a master’s degree in finance and management from Tulane’s Freeman School of Business and a bachelor’s degree from the University of Colorado. In 2005, she earned the Certified Investment Management Analyst (CIMA) designation from the Investment Management Consulting Association. In 2011, Anne was named one of Diversity MBA magazine’s top 100 under 50 Executive and Emerging Leaders. As a board member of Community Hope and founder/ co-chair of The Autism Speaks Fall Classic at Baltusrol, Anne is very active in her community.

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Stuart A. Smith, III

Managing Director, Mergers & Acquisitions/Corporate Finance, M&T Bank Investment Banking Group

Stuart advises business clients in a variety of industries on senior and subordinated debt raises, private equity raises, mergers and acquisitions, and leveraged buyouts.

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Karen S. Piershalski, ASA

Vice President and Senior Closely Held Security Analyst

Karen is responsible for providing business valuation of closely held businesses for the Business Owner Advisory group, which develops wealth planning strategies for business owners. She also values ESOP plans and capital transactions and provides an annual review of closely held assets held in trust accounts. Karen has been with M&T Bank, which acquired Wilmington Trust in 2011, for over three decades. During her tenure with the firm, she has held positions in Commercial Loan Review as a loan review specialist and in Private Client Services. She has been engaged exclusively as a professional business appraiser since earning her ASA designation, and has experience across a wide variety of industries including cyber security, healthcare, manufacturing, construction, wholesale, and retail businesses. Karen holds a bachelor’s degree in Accounting from the State University of New York (SUNY) at Buffalo. She is an Accredited Senior Appraiser (ASA) in Business Valuation with the American Society of Appraisers. The American Society of Appraisers is a multi-discipline, nonprofit, international organization of professional appraisers representing all appraisal disciples.

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Andrew Hopkins

Administrative Vice President and Director of Equity Research

Andy is responsible for overseeing the equity research program for Wilmington Trust Investment Advisors (WTIA), the investment advisory arm of M&T Bank and Wilmington Trust. Andy manages a team of professionals responsible for equity research and portfolio management for both large-cap and small-cap strategies, and he is responsible for WTIA’s quantitatively managed equity strategies, which include passive and active strategies. These strategies utilize a risk model and optimization process to control risk. Andy is also a member of the fundamental portfolio management team for the Disciplined Core, Dividend Growth Strategy, and the Enhanced Dividend Income Strategy (EDIS). Andy joined Wilmington Trust in 1987 and has specialized in investment accounting, pension disbursement, and 401(k) recordkeeping services during his tenure with the company. Prior to joining the equity research team, Andy was a portfolio manager in the Fixed Income Division specializing in taxable, broad market portfolios. Andy holds an MBA from Wilmington University and a bachelor’s degree in Finance from Goldey-Beacom College. He has been a CFA grader and is a member of the CFA Society of Philadelphia.

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Wilmer Stith

Vice President and Senior Portfolio Manager

Wilmer co-manages the Wilmington Short Term Bond Fund, the Wilmington Broad Market Bond Fund, and the Wilmington Intermediate Term Bond Fund. He also manages institutional separate accounts with intermediate and long-term fixed-income objectives, as well as money market accounts. Wilmer has over two decades of fixed income investment experience. Prior to joining M&T Bank in 1995, which acquired Wilmington Trust in 2011, Wilmer was an investment executive with the Treasury Banking Group of First National Bank of Maryland in Baltimore. Wilmer holds a master’s degree from Loyola College in Maryland and an undergraduate degree from Kenyon College. He has been quoted in various financial periodicals including The Wall Street Journal and Barrons’ Magazine. Wilmer has also done several TV appearances on CNBC, Bloomberg TV, and the Fox Business Channel.

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Brandon Alderson, CFA®, Assistant Vice-President

Brandon is a research analyst responsible for third-party manager due diligence with a primary focus on emerging market equity and SRI/Impact strategies. Additionally, Mr. Alderson contributes to portfolio management activities of the Wilmington Trust Multi-Manager International and Real Assets Funds and various other monitoring and reporting functions of the group. Brandon has worked in the financial services industry since 2008 and joined WTIA in October of 2014. Mr. Alderson holds a B.A. in Economics and Spanish from the University of Maryland, is a CFA charter holder and a member of the CFA Society of Baltimore.

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David Ely

Vice President and Senior Portfolio Manager

David is responsible for developing customized investment portfolios for his clients based on their unique parameters for risk, return, liquidity, and other factors. After taking the time to listen to his client’s objectives and to understand any tax, legal, and personal considerations, David then structures a well-diversified portfolio in keeping with each client’s asset allocation program. David continually monitors and periodically rebalances his clients’ portfolios to meet their evolving needs and to take advantage of new investment opportunities. Prior to joining Wilmington Trust, David was a vice president with State Street Global Advisors and a senior portfolio manager in the firm's Investment Solutions Group. He was responsible for developing and implementing tactical and strategic multi asset class solutions for institutional clients. David was the investment team leader for the portfolio management team dedicated to SSGA's Charitable Asset Management (CAM), where he was responsible for setting asset allocation strategy and managing charitable gift portfolios for all CAM clients. Prior to joining State Street in 1999, David worked for Salomon Smith Barney's Private Client Group. David holds a master’s degree in Finance from Northeastern University and a bachelor’s degree in Economics from the University of North Carolina at Chapel Hill. He holds the Chartered Financial AnalystTM designation and is a member of the Boston Security Analysts Society, as well as the CFA Institute. David is also a Board member of the American Council on Gift Annuities.

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Jerry Inglet

Director, College and Education Advisory Services

As the lead contact and developer for Wilmington Trust’s College and Education Advisory Services, Jerry works to provide research-based information to parents of potential college students that is centered on the financial cautions and concerns of choosing and paying for college. This initiative was designed and continues to flourish under the premise that an unbiased awareness of the many choices and paths during the higher education process is critical to setting up a financially sound foundation for young adults as they transition from scholarly students to members of the world of work. Jerry has more than seventeen years of banking and finance experience. He also served as Director at a small private college in Buffalo for six years, where he was responsible for accreditation, enrollment management, event management, institutional advancement, marketing, and curriculum development. In addition, Jerry continues to maintain a strong pulse on high school and college students through his fourteen plus years as a high school football official and various posts as an adjunct college professor. Jerry holds a EdD in educational leadership and administration from D’Youville College; two master’s degrees from SUNY Buffalo in urban policy and school counseling; and a bachelor’s degree as a University Scholar from Xavier University.

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Matthew Glaser

Group Vice President – Head of Equity and Nontraditional Investments

Matt is responsible for overseeing equity and nontraditional investments for Wilmington Trust Investment Advisors, Inc., the investment advisory arm of Wilmington Trust and M&T Bank. Matt has more than two decades of experience in the equity and institutional investments industry. He previously worked for Lazard Asset Management as Managing Director and Portfolio Manager of the Lazard Master Alternatives Fund. Earlier in his career, he served as Chief of Investment Strategies and Executive Managing Director at Turner Investments, where he was a member of the Executive Management Group, Enterprise Risk Committee, and had oversight responsibility for the Turner Spectrum Fund. Matt also worked at Susquehanna International Group and as a Managing Director at J.P. Morgan and Robertson Stephens. He began working in the investment field in 1995. Matt holds an MBA from Columbia University and a BA in History from Wesleyan University.

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Julian Freeman

Vice President, Manager Research Group

Julian Freeman Vice President, Manager Research Group Julian is a member of the Manager Research Group at Wilmington Trust Investment Advisors. He conducts third-party manager due diligence on alternative investment strategies, including hedge funds and private markets. Julian joined Wilmington Trust in 2013 after earning an MBA from the University of Virginia Darden School of Business. Prior to business school, Julian worked with United Technologies Corporation where he held corporate finance and investor relations responsibilities. Julian holds a B.S. from the University of Hartford with a dual concentration in Economics/Finance and Insurance. He is a CFA charterholder and a member of the CFA Society Philadelphia.

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Shubhro Banerjee

Head of Asset Allocation

Shubhro is responsible for all functions involving asset allocation in client portfolios. He has nearly two decades of experience in the financial services industry and his areas of expertise include quantitative modeling, asset liability management and investment strategy. Shubhro earned a master’s degree in business administration and a bachelor’s degree in engineering from the University of Maryland, and is a certified Financial Risk Manager.

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Rick D'Emilia

Managing Director

Rick is responsible for new business development for the Trust & Custody area of the Global Capital Markets group at Wilmington Trust, focusing on the ABS & MBS markets for Indenture Trustee & Custodial appointments.  Rick has nearly two decades of experience in the sales area of the ABS/MBS market and held positions at JP Morgan Chase and more recently at Deutsche Bank. Earlier in his career, he worked for Ernst & Young. Rick holds a bachelor’s degree from Villanova University and is a Certified Public Accountant.  He is very involved in his local community, serving on the boards of both the Little League Baseball and American Youth Football organizations.  He currently serves as the President of Hockey in Middletown, a non-profit organization that raises money to fund the ice hockey programs for both Middletown North and Middletown South High Schools.

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Robert Quinn

Vice President and Product Leader, Insurance Collateral Services

Robert is the Vice President and Business Development Officer representing the Wilmington Trust Insurance/Reinsurance/ILS Trust product in New York. Robert joined the Wilmington team in 2014. Over the past 15 years Robert has worked extensively defining acceptable insurance, reinsurance, and ILS collateral products. His international experience includes Kuala Lumpur, Switzerland, Luxembourg, Germany, France, United Kingdom, Ireland, Bermuda, the Cayman Islands, Barbados, Hong Kong, Australia, New Zealand, and others. He has delivered educational sessions at multiple industry events, such as the Asia Captive Summit 2013 (Kuala Lumpur, Malaysia), Captive Live 2013 (London), Les Rendezvous de Septembre 2012, 2011 and 2008 (Monte Carlo), Captive Live 2011 (London and Chicago), the European Captive Forum 2012 & 2010 (Luxembourg), IQPC Insurance Linked Securities Summit 2011 (New York, London) and 2010 (Hong Kong, Bermuda), European Insurance Forum 2010 and 2012 (Dublin, Ireland), Captive Insurance Companies of America (CICA) 2010 and 2006, the Latin American Captive Insurance Summit 2010 and 2009 (Mexico City, Sao Paulo), Florida RIMS 2009, the Self Insurance Institute of America (SIIA) 2009 and 2006, the Bermuda Captive Conference 2012 & 2008, the Insurance Managers Association of Cayman (IMAC) 2009 and 2007, and National RIMS 2006 (Honolulu, Hawaii). Robert holds a master’s degree in Business Administration from Columbia University (New York) and a bachelor’s in Business Administration from the University of Washington (Seattle).

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Mark Gerstenschlager

Vice President and Senior Investment Advisor

Mark is responsible for developing customized investment portfolios for his clients based on their unique parameters for risk, return, liquidity, and other factors. After taking the time to listen to his client’s objectives and to understand any tax, legal, and personal considerations, Mark then structures a diversified portfolio in keeping with the client’s asset allocation plan. Mark continually monitors and periodically rebalances his clients’ portfolios to reflect their evolving needs and to pursue new investment opportunities. Mark has considerable tenure in the financial services industry, specializing in portfolio management and domestic and international fixed income trading. Prior to joining Wilmington Trust in 2001, he served as a Global Fixed Income trader with Brandywine Asset Management and also spent ten years with PNC Bank within their asset management, trust, and mutual fund departments. Mark holds a bachelor’s degree in Finance with a minor in Economics from West Virginia University. He is an elder of Westminster Presbyterian Church and contributes his time to Habitat For Humanity and the YMCA.

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Eileen Hughes

Head of Capital Markets Structured Finance - UK

Eileen is head of structured finance in the UK, part of the Global Capital Markets team. Her role is to build on the core strengths within our structured finance group and to align the services and offerings in the UK and Europe to our US team and increase our role as a global service provider. Prior to joining Wilmington Trust, Eileen was director of structured products transaction manager at Deutsche Bank. Eileen has nearly three decades of corporate trust experience. In her former role, Eileen was responsible for review and negotiation of all classes of structured products such as ABS, ABCP, MBS, and CDOs. Eileen holds a bachelor’s degree in Business Administration from Hofstra University, along with a designation of Certified Corporate Trust Specialist, and is a member of the Structured Finance Industry Group.

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William R. Bechstein, CFA, CFP®

Senior Investment Advisor

Bill leads Wilmington Trust’s Family Wealth Investment Advisor group, overseeing a team of investment specialists with experience in strategic asset allocation and portfolio management. Bill works with high-net-worth clients to develop customized investment portfolios based on their unique parameters for risk, return, liquidity, and other factors. After taking the time to listen to his client’s objectives and to understand any tax, legal, and personal considerations, Bill then structures a diversified portfolio in keeping with the client’s asset allocation plan. Bill continually monitors and periodically rebalances his clients’ portfolios to reflect their evolving needs and to pursue new investment opportunities. Bill joined Wilmington Trust SP Services, Inc. in 1991, specializing in corporate financial and entity management services. Earlier in his career, he practiced public accounting for a firm in Wilmington, Delaware. Bill holds a bachelor’s degree in Accounting and Finance from the University of Delaware. He is a member of the CFA® Society of Philadelphia, is a Certified Financial Planner™, and was formerly a practicing CPA. Bill has been actively involved with the United Way of Delaware, serving as past Wilmington Trust campaign Co-Chairman and Chairman. He serves on the Audit Committee at Grace Lutheran Church in Hockessin, Delaware.

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Ben Jordan

Vice President, Head of Transaction Management

Ben leads the transaction management team for the Capital Markets Structured Finance group (CMSF) within Global Capital Markets. He is responsible for developing and closing new ABS and MBS transactions while the CMSF team provides agency and trustee services to the asset-backed, mortgage-backed, project finance, transportation leasing, insurance-backed, and reinsurance-related markets. Ben has over a decade of industry experience, specializing in business development, servicer oversight, and relationship management for all types of structured finance transactions. Prior to joining Wilmington Trust, he served as a vice president and head of ABS Servicer Oversight for Wells Fargo Corporate Trust Services where he was responsible for risk mitigation over existing issuers and servicers as well as contingent servicer development. Prior to that, he maintained a senior business development position where he structured and closed mortgage-backed and asset-backed transactions. Ben also has significant experience in sourcing and responding to RFPs for federal contracts. Ben holds an MBA in Management from Mount St. Mary’s University and a bachelor’s degree in Marketing Management from Virginia Tech.

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Kevin Ross

Vice President and Senior Private Client Investment Advisor

Kevin is responsible for developing customized investment portfolios for his clients based on their unique parameters for risk, return, and liquidity. He takes the time to listen to his client’s objectives and to understand any tax, legal, and personal considerations. He then structures a well-diversified portfolio in keeping with his recommended asset allocation program. Kevin continually monitors and rebalances his clients’ portfolios to meet their evolving needs and to take advantage of new investment opportunities. Kevin joined Wilmington Trust in 2001, specializing in alternative investments and estate planning. Earlier in his career, he served as a high net worth client relationship manager for CMS Companies, an alternative investment firm located in Philadelphia. He also held positions in income tax and financial planning at Pricewaterhouse Coopers and Ayco Company. Kevin holds a Juris Doctorate from the University of Pittsburgh School of Law and earned his bachelor’s degree in Economics from Vanderbilt University. Kevin is a member of the New Jersey Bar Association and the Philadelphia Estate Planning Council. He is a Board member for Philadelphia Cares and a Committee member of the Rock School of Ballet.

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William "Tad" Law

Vice President and Regional Investment Implementation Officer

Tad has investment implementation oversight responsibility for Wilmington Trust’s Wealth Advisory Services in the mid-Atlantic, Florida, and Georgia markets. In addition, Tad is a member of Wilmington Trust’s Asset Management Forum and Manager Strategies Group. Tad has more than a decade of financial industry experience, which includes managing investment portfolios for individuals, family relationships, trusts, and institutional clients. Prior to his current role, Tad was the regional investment team leader for Baltimore, Greater Washington and southeastern Pennsylvania. Tad earned his bachelor’s degree from Washington and Lee University and holds the Chartered Financial Analyst and Certified Financial Planner designations. Tad is a member of the CFA Institute and Baltimore CFA Society, and he serves as a mentor at the Crossroads School.

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Karen Graham

Vice President, Estate Settlement Division

Karen is responsible for overseeing the estate settlement process for clients throughout the mid-Atlantic region. She helps to ensure that each estate plan is administered in strict accordance with its specific provisions and that the terms are carried out with the utmost fiduciary oversight and in accordance with applicable federal, state, and local requirements. Prior to joining Wilmington Trust in 1996, Karen spent fifteen years at PNC Bank as an estate settlement officer. She holds a bachelor’s degree from Skidmore College.

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Brandon Alderson

Assistant Vice-President

Brandon is a research analyst responsible for third-party manager due diligence with a primary focus on emerging market equity and SRI/Impact strategies. Additionally, Mr. Alderson contributes to portfolio management activities of the Wilmington Trust Multi-Manager International and Real Assets Funds and various other monitoring and reporting functions of the group. Brandon has worked in the financial services industry since 2008 and joined WTIA in October of 2014. Mr. Alderson holds a B.A. in Economics and Spanish from the University of Maryland, is a CFA charter holder and a member of the CFA Society of Baltimore.

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W. Christopher Kreicker, CFA

Senior Managing Director, Wealth Advisory

Chris is responsible for developing and implementing customized investment advisory solutions for Wilmington Trust. In this capacity, Chris leads the firm’s 75+ investment advisors to ensure the integration of the firm’s best thinking with our clients’ current portfolios and preferences. Chris has specialized in the wealth management business for over two decades. He joined Wilmington Trust in 2001 to provide investment advice to some of our largest clients. Since 2006, he has played a leadership role in the management of the firm’s investment advisors. He is a member of the firm’s Investment Committee which is charged with developing Wilmington Trust’s strategic and tactical asset allocation advice. Prior to joining Wilmington Trust, Chris served as Vice President and Portfolio Manager for PNC Advisors. Chris holds a master’s degree from Penn State University and a bachelor’s degree in Economics from Valparaiso University. He earned the Chartered Financial AnalystTM designation in 2001 and is a member of the CFA® Society of Philadelphia. He has taught portfolio management at the graduate (MBA) level and frequently speaks on markets and the economy. From 2009-2013, he served as President of and is currently a deacon for Concordia Lutheran Church in Wilmington, DE.

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Will Marder

Managing Director, Project Finance

Will is responsible for developing and enhancing Trust and Agency Services products to suit the needs of clients who are active in the Project Finance sector. Will collaborates closely with Wilmington Trust’s Sales and Marketing teams, engages with potential clients, and delivers thought leadership to the market. Will has over two decades of project finance and asset-backed lending experience. Prior to joining Wilmington trust in 2017, Will served as the Global Product Manager for Project Finance in the Global Transaction Banking business at Deutsche Bank. Earlier in his career, Will worked at Fortis Capital, where he originated and underwrote project finance transactions in the energy sector, focusing on renewable energy technologies. Will holds an MBA from Fordham University and a bachelor’s degree from Syracuse University. He is a member of the governing council of the International Project Finance Association.

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John Lindak

Vice President and Business Valuation Services Manager

John is manager of Wilmington Trust’s business valuation services group. As a member of the Business Owner Advisory Group, he also provides business valuation services in connection with the development of business owner wealth planning strategies. John has been engaged exclusively as a professional business appraiser since 1993. He has performed valuations of privately held businesses across many industries to serve a variety of needs including: capital transactions; federal estate and gift taxes; ESOP plans; marital dissolution, and other litigation cases. John has been qualified and has testified as a business valuation expert in New York State.   John has made numerous presentations on valuation topics before various professional and industry associations and has taught advanced finance as an Adjunct Professor of Finance at Niagara University, New York.   John holds an MBA from Northern Arizona University and a bachelor’s degree in Commerce from Niagara University. He has earned the Chartered Financial Analyst (CFA) designation from the CFA Institute. He is past president of the Buffalo CFA Society and has served in several capacities on its board.   John has also been certified as an Accredited Senior Appraiser (ASA) under the business valuation section of the American Society of Appraisers. The American Society of Appraisers is recognized as the nation’s oldest international, nonprofit, independent appraisal organization.

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Randy H. Vogel, CFA

Randy H. Vogel, CFA Administrative Vice President, Director of Taxable Research, and Senior Portfolio Manager Randy is responsible for all investment-grade credit research for taxable fixed income. He oversees the credit review process, which includes a thorough analysis and review of approved issuers. Randy is also responsible for assisting in the management of taxable fixed income portfolios. He provides a thorough analysis of trends in the credit markets and relative value opportunities. His analysis focuses on identifying relative value opportunities that may help to maximize performance and minimize risk across taxable fixed income portfolios. Randy re-joined Wilmington Trust in 2008 after spending two years with PNC Capital Advisors as a Senior Credit Analyst covering the banks, brokerage, utility, and telecommunication industries. Randy holds a master’s degree from Temple University and a bachelor’s degree in Business Administration from the University of Delaware. He received his CFA® designation in 2000. Randy is a member of the Financial Analysts of Philadelphia.

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Diane McNeal

Vice President and Senior Relationship Manager

Diane is responsible for overseeing all Private Banking services throughout the state of Florida. She and her team provide lending services, deposit services, cash management services, and overall financial solutions to high-net-worth individuals and families and professional practices. Diane has extensive experience in commercial lending, commercial real estate lending, residential mortgage lending, private client lending, and business advisory services. She also has significant experience with both corporate and personal cash management solutions. Diane has over three decades of experience in the financial services industry, with the majority of her experience being in the Florida market. Diane has been part of a wealth management team serving clients’ varied investment and leverage needs for more than a decade. Most recently she was the Alternate Group Manager for Florida Private Banking for Comerica Wealth Management. Her lending career started with Chemical Bank (now Chase Bank) in New York. Diane was a Middle Market Lender, Corporate Real Estate Lender, and a Senior Lender prior to moving into Private Banking. Diane holds a master’s degree in Risk Management and Legal Compliance from Florida Atlantic University and a bachelor’s of business administration in Finance and Marketing from Adelphi University. She has attended courses throughout her career on advanced lending and financial management techniques. Diane currently teaches the course on integrating Private Banking into Overall Wealth Planning at Florida Trust School. Diane is an Advisory Council Member for Florida Atlantic University’s Harriet Wilkes Honors College, a member of the Town of Palm Beach United Way Allocation Committee, an Emeritus Board Member & Past President of Opportunity Inc. Early Learning Center, and a Gracey Society Member of Executive Women of the Palm Beaches. Diane has extensive experience in commercial lending, commercial real estate lending, residential mortgage lending, private client lending, and business advisory services. She also has significant experience with both corporate and personal cash management solutions. Diane has over three decades of experience in the financial services industry, with the majority of her experience being in the Florida market. Diane has been part of a wealth management team serving clients’ varied investment and leverage needs for more than a decade. Most recently she was the Alternate Group Manager for Florida Private Banking for Comerica Wealth Management. Her lending career started with Chemical Bank (now Chase Bank) in New York. Diane was a Middle Market Lender, Corporate Real Estate Lender, and a Senior Lender prior to moving into Private Banking. Diane holds a master’s degree in Risk Management and Legal Compliance from Florida Atlantic University and a bachelor’s of business administration in Finance and Marketing from Adelphi University. She has attended courses throughout her career on advanced lending and financial management techniques. Diane currently teaches the course on integrating Private Banking into Overall Wealth Planning at Florida Trust School. Diane is an Advisory Council Member for Florida Atlantic University’s Harriet Wilkes Honors College, a member of the Town of Palm Beach United Way Allocation Committee, an Emeritus Board Member & Past President of Opportunity Inc. Early Learning Center, and a Gracey Society Member of Executive Women of the Palm Beaches.

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William Bechstein & Laura Ferrino

Learn more about our authors and the skills they provide to help clients succeed. Bill co-leads Wilmington Trust’s Family Wealth Investment Advisor group, overseeing a team of investment specialists with experience in strategic asset allocation and portfolio management. Bill works with high-net-worth clients to develop customized investment portfolios based on their unique parameters for risk, return, liquidity, and other factors. Bill joined Wilmington Trust SP Services, Inc. in 1991, specializing in corporate financial and entity management services. Earlier in his career, he practiced public accounting for a firm in Wilmington, Delaware. He holds a bachelor’s degree in Accounting and Finance from the University of Delaware. Laura is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout Upstate New York. Her areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning. Laura has more than two decades of experience in the financial services industry. She holds an MBA in Finance from SUNY Buffalo and a bachelor’s degree in Finance and Management from Canisius College.

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Eric Wyss

Vice President, Wealth Advisory Services

Eric develops customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout the mid-Atlantic region. His areas of expertise include estate planning, business succession planning, legacy planning, and philanthropic planning. Eric holds an MBA from Carnegie Mellon University and a bachelor’s degree in Mechanical Engineering from the Georgia Institute of Technology.

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Susan S. Fisher

Vice President and Private Banking Team Leader

Susan provides comprehensive tax and estate planning to high‐net-worth individuals and multigenerational families as part of our Family Office services. Susan has more than thirty years of tax accounting experience, specializing in the tax issues related to trusts, individuals, limited liability companies, and partnerships. Her previous experience includes serving as Director of Operations for Commonwealth Trust Company and as Tax Director and Principal at local CPA firms. Susan is a graduate of Northwestern University, where she majored in Mathematics, and she studied Accounting at the University of Delaware. She is a Certified Public Accountant (CPA) in the State of Delaware, and holds the AEP® (Accredited Estate Planner) designation. She is a member of the American Institute of Certified Public Accountants and the Delaware Society of Certified Public Accountants. Susan is a past President of the Board of Directors of the Estate Planning Council of Delaware. She currently serves on the Board of Directors of the Delaware Center for Horticulture and has been active in many non-profit and civic organizations. Susan has published articles on various tax and trust related topics, including retirement planning and foreign tax reporting requirements for trusts. She has frequently spoken for professional organizations, including the Delaware Society of CPAs and the Delaware Bankers Association.

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Andrew Horwitz

Vice President and Deputy Chief Wealth Strategist

Andrew is responsible for developing customized wealth management strategies and financial plans for prominent individuals, families, and business owners throughout Harrisburg, Pennsylvania. His areas of expertise include estate and retirement planning, insurance planning, investment planning, education planning, business succession planning, legacy planning, and philanthropic planning. Andrew has more than a decade 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, Andrew served as a practicing attorney, specializing in wills and trusts. Andrew 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 Series 6, 7, 24, 63, 65 Securities licenses, as well as his Pennsylvania Life, Variable Annuities, Accident ,and Health licenses. Andrew is a member of the Financial Planning Association for the Central Pennsylvania Region and the Pennsylvania Bar Association.

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Patricia Evans Schulze

Managing Director, Global Capital Markets

Pat is responsible for introducing Wilmington Trust’s full array of trust and agency services to corporations and financial institutions throughout the country and in several off-shore jurisdictions. She specializes in asset-backed securitizations for all asset classes as well as services specific to special purposes vehicles, including those utilized by hedge funds, private equity, and the commercial real estate industry. Pat is an active participant in the Structured Finance Industry Group and is a member of its board of directors. She is a past board member of the American Securitization Forum and a previous chair of its Communication and Education Committee. She is a frequent speaker in the United States and abroad on a variety of topics relating to the securitization industry. Pat co-chairs SFIG's Women in Securitization (WiS) initiative, which provides a forum for women in the structured finance space to connect with peers, mentors, and sponsors; to influence industry perceptions and practices; and to facilitate an environment that encourages and promotes the advancement of women. Pat is a board member of the SFIG Foundation, a board member of the Cameron Kravitt Foundation, and vice chair of Meals on Wheels Delaware. She also serves on M&T Bank’s Women In Network (WIN) committee. Pat was recognized by Delaware Today magazine as one of the top women in business in the state of Delaware. She is active in her community and is a volunteer for a number of local charitable initiatives. Pat holds a bachelor’s degree in behavioral science from Wilmington University, where she graduated magna cum laude.

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