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Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, Member FDIC.
M&T Bank Corporation’s European subsidiaries (Wilmington Trust (UK) Limited, Wilmington Trust (London) Limited, Wilmington Trust SP Services (London) Limited, Wilmington Trust SP Services (Dublin) Limited, Wilmington Trust SP Services (Frankfurt) GmbH and Wilmington Trust SAS) provide international corporate and institutional services.
WTIA, WFMC, and WTIM are investment advisers registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, and WTIM is also available on the SEC's website at adviserinfo.sec.gov. 
Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.
M&T Bank  Equal Housing Lender. Bank NMLS #381076. Member FDIC. 
Investment and Insurance Products   • Are NOT Deposits  • Are NOT FDIC Insured  • Are NOT Insured By Any Federal Government Agency  • Have NO Bank Guarantee  • May Go Down In Value  
Investing involves risks and you may incur a profit or a loss. Past performance cannot guarantee future results. This material is provided for informational purposes only and is not intended as an offer or solicitation for the sale of any financial product or service. It is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. There is no assurance the any investment, financial or estate planning strategy will be successful.

Joseph A. Garniewski Sr.

Director of Entity Management and Governance

As part of the Wilmington Trust Emerald Family Office & Advisory team, Joe leads a team of Family Office professionals who specialize in entity management for family entities, financial management for individuals, tax planning and compliance, financial reporting, liquidity management, internal controls, and family governance for multigenerational families.

Joe joined Wilmington Trust in 2006 and has more than three decades of experience in personal tax planning, family office services, accounting, taxation for businesses, investment accounting, managing the administration of asset-backed securitizations, accounting regulations, managing complex structures (LLCs, S Corporations, C Corporations), and supporting the implementation of the Sarbanes-Oxley Act for a Fortune 500 company.

Joe holds an MBA from Widener University, a bachelor’s degree in accounting from the University of Delaware, and graduated from the Cannon Trust School. He holds the following designations: Certified Public Accountant, Certified Trust and Fiduciary Advisor, and Accredited Estate Planner. Joe is also a board member of the Estate Planning Council of Delaware, a member of the American Institute of Certified Public Accountants, and the Delaware Society of CPAs.

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