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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), Wilmington Trust Asset Management, LLC (WTAM), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. International corporate and institutional services are offered through M&T Bank Corporation’s international subsidiaries. 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, WTAM, and WTIM are investment advisors 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, WTAM, 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 security 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 that any investment, financial or estate planning strategy will be successful.

Patrick M. Decker, CFP®

Head of Institutional OCIO

As the head of Institutional Outsourced Chief Investment Officer (OCIO) solutions for Wilmington Trust, Patrick oversees a business dedicated to providing investment advisory services to institutions and nonprofits. Patrick’s team uses their unique experience and knowledge to develop, manage, and serve some of Wilmington Trust’s largest institutional and nonprofit client relationships.

Patrick joined Wilmington Trust in 2023, bringing over 20 years of investment industry experience. His background includes working with both taxable and tax-exempt investors across many market segments, including high-net-worth individuals, family offices, institutions, and nonprofits. Previously, Patrick spent six years as managing director with Verger Capital Management, an OCIO that exclusively serves the nonprofit endowment and foundation community, where his responsibilities included client development and relationship management. Prior to Verger, Patrick spent over 12 years in various roles with Hirtle Callaghan & Co., another OCIO firm, where he developed and managed relationships with ultra-high-net-worth families and nonprofit institutions. Patrick began his investment career with The Vanguard Group where he held multiple client-facing positions of increasing responsibility during his tenure.

Patrick holds a bachelor’s degree in economics from Washington & Lee University in Lexington, VA, and he is a Certified Financial Planner™.

An active supporter of the local nonprofit community, Patrick currently serves as president of the Brandywine Ballet Board of Directors and as a board member for Pioneer Quix Stix, a nonprofit youth lacrosse program. When not working, Patrick enjoys traveling, cooking, Philadelphia sports, and spending time with his wife and their two daughters.

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