Complete Asset Management Turning Objectives into Opportunities

We base our Complete Asset ManagementSM approach to investing on the practice of managing risk across the spectrum of asset classes, while uncovering market opportunities at the same time. We can take advantage of market cycles, rather than simply reacting to them, because of our forward-looking focus.

While many firms adhere to particular styles within narrow market categories, we take a broader view of the markets across investment vehicles and over time. With this expanded perspective, we shift assets, styles, and managers to capitalize on cyclical market trends.

Our research and allocation process is based on three fundamental principles:

By adhering to these principles, we believe we can enhance returns and reduce risk.

Investment products are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by M&T Bank, Wilmington Trust, or any other bank or entity, and are subject to risks, including a possible loss of the principal amount invested.

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M&T Bank. Investment Services, Wealth Advisory and Corporate & Institutional products and services are offered by Wilmington Trust Company,
operated in Delaware only, and Wilmington Trust, N.A. International Corporate & Institutional services are offered through our international affiliates.

 Investments: • Are NOT FDIC-Insured. • Have NO Bank Guarantee. • May Lose Value. 
Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank, Wilmington Trust or Wilmington Trust NA.

M&T Bank and Wilmington Trust, N.A. are Members FDIC and Equal Housing Lenders NMLS #381076 Equal Housing Lender