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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.

Sal Dayeh, CFP®

Senior Financial Advisor

Sal specializes in helping individuals, business owners, and multigenerational families thrive over the long term, providing customized investment and insurance solutions. He takes great pride in fostering long standing relationships with his clients based on trust, respect, and understanding what’s important to each client.

With more than 22 years of experience, Sal is well-versed in developing strategies that are targeted to each client’s unique goals. Many of his clients refer their families and friends to Sal for financial guidance, illustrating his ability to cultivate an experience that inspires confidence and security for his client relationships. Sal believes in employing a team approach when it comes to executing and servicing the plans he and his clients create. He and his colleague, Sandy Spencer-Florczyk, often hear from their clients how much they appreciate prompt responses to their questions and requests, as well as the proactive way Sal and Sandy reach out to help them minimize risk and maximize opportunities.

Sal holds a bachelor’s degree in chemical technology from Onondaga Community College has earned the prestigious professional designation of Certified Financial Planner (CFP). During his tenure at M&T Securities, he has been selected as a Chairman’s Club recipient for 18 consecutive years and has been inducted into the M&T Securities Hall of Fame.

An avid community advocate, Sal has been volunteering his time to St. Elias Antiochian Orthodox Church since he immigrated to the United States in 1974, sharing his skills as a cook at the annual St. Elias Middle Eastern Festival in Syracuse. Sal enjoys playing racquetball, spending time with his family, sketching/painting/drawing, and photography. His four grandchildren are most often the subjects of his photos.

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