© 2024 M&T Bank and its affiliates and subsidiaries. All rights reserved.

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.

Wealth Management Services

Concentrated Stock and Options Strategies

Your concentrated stock and options may be a significant part of your compensation package. Benefit from our century-strong* corporate fiduciary experience when it comes to diversifying your stock and executing your options.

Consider diversifying your stock strategically

Concentrated stock positions may result from long-term family holdings, mergers and acquisitions, IPOs, private equity distributions, or company stock options. As a fiduciary, we can help you:

Determine the structure that suits your needs for diversification, wealth transfer, or hedge positions
Assess your risk tolerance and the feasibility of selling the stock
Explore strategies such as outright sales, charitable giving vehicles, options strategies, exchange funds, and loss harvesting

Get value from your options

We evaluate the intrinsic value of your options in conjunction with your wealth management goals. Your customized exercise strategy considers:

Your risk tolerance
Income tax situation
Overall stock market environment
Your single stock concentration
Any restrictions against selling the underlying stock

Review your stock and options plans with our wealth advisors to help ensure that you diversify and execute strategically.

Investing involves risks, and you may incur a profit or a loss. Asset allocation/diversification does not guarantee a profit or protect against a loss.

*Wilmington Trust traces its roots to the founding of WTC in 1903.

Contact one of our team members

John Jornlin

Senior Wealth Relationship Manager

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