Latest Trends &
Everything BMT

BMT Wealth Management’s market summary this week highlights the continuing rally on Wall Street, which for the S&P 500, has now fully reversed the losses incurred during the month of December. Inflationary readings were modest and support the growing belief that the Federal Reserve may be finished hiking rates in this cycle.

“This program is a result of our relationship with community organizations like Congreso, CEIBA, and PathWays who work every day with communities who are underserved when it comes to banking,” said Joseph Keefer, Executive Vice President. “Helping every household save and be prepared for an emergency creates stability and benefits the family, so it makes perfect sense to undertake a program like this that rewards people for saving.”

BMT Wealth Management’s market summary this week recaps movement in the equity and bond markets. While the S&P 500 index ended last week with a modest return, international equities didn’t fare as well. In fixed income, U.S. Treasury yields dropped across the yield curve as signs of slowing economic growth added a boost to U.S. government securities.

Bryn Mawr, Pa., Feb., 6, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (“BMT”), announced today a new $25 million pledge to fund loans to low- and moderate-income households in 2019. This commitment is the third annual pledge made by BMT, increasing year-over-year, due to the

Bryn Mawr, Pa., February 4, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT, the “Company”), announced today that Ms. Elizabeth Baran Wagner has joined the Company as Senior Vice President and Director of Institutional Wealth Management for BMT Wealth Management. Ms. Wagner reports directly to Jennifer Dempsey Fox, President of BMT Wealth Management.

BMT Wealth Management’s market summary this week provides an update on domestic and international equity markets. We look at recent labor market numbers, the S&P 500 earnings season thus far, and the impact of the Fed’s pause on interest rate hikes. As we move through 2019, we reiterate our call to build diversified portfolios and frequently revisit your investment objectives.

BMT Wealth Management’s market summary this week reviews recent data from the housing market and provides an update on the equity and fixed income markets. We look at various moving averages for the S&P 500 Index and provide a year-over-year results for this point in the fourth quarter 2018 earnings reporting season.

Jen Fox, President of BMT Wealth Management, met with Jim Barnes, Director of Fixed Income, to discuss credit developments in the bond market. Given the long period of low borrowing costs, many companies have increased the amount of debt on their balance sheets. Jim and Jen discussed the importance of credit analysis in the current economic environment as well as specific metrics the BMT Fixed Income Team utilizes when assessing the overall credit quality of an issuer.

Insuring a residential condominium unit can be complicated. If you own a condo and sustain damage, there are two insurance policies that will respond: your own condo unit owner’s policy (or HO-6), and the association master policy. In this week’s newsletter, we discuss what each policy covers and offer insight into selecting better-than-basic coverage options for your HO-6 policy.

Bryn Mawr, Pa., January 22, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT), announced today that Liam Brickley has joined the Company as Senior Vice President and Chief Credit Officer. Mr. Brickley reports directly to Kevin Tylus, President of Bryn Mawr Trust Banking.

BMBC today reported net income of $17.1 million, or $0.84 diluted earnings per share for the three months ended December 31, 2018, as compared to net income of $16.7 million, or $0.82 diluted earnings per share, for the three months ended September 30, 2018, and a net loss of $6.2 million, or ($0.35) diluted earnings per share, for the three months ended December 31, 2017.

BMT Wealth Management is pleased to present our Economic and Financial Market Outlook for 2019. In this edition, we offer a detailed overview of our expectations for the global economy as well as the global equity and fixed income markets. We believe the U.S. economy will continue to expand but at a decelerating pace relative to 2018. Equity and fixed income markets will likely face continued volatility given a higher interest rate environment and less accommodative monetary and fiscal policy. We hope you enjoy the pages that follow and look forward to keeping you informed in future updates.

Bryn Mawr, Pa., January 14, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”) and its subsidiary BMT Insurance Advisors, announced today that Kimberly Trubiano has joined the Company as President of BMT Insurance Advisors. Ms. Trubiano reports directly to Jennifer Dempsey Fox, President, Wealth Management.

Bryn Mawr, Pa., January 11, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT), announced today that Mr. Emanuel Ball has joined the Company as Senior Vice President and Director of Facilities. Mr. Ball reports directly to Alison Eichert, Executive Vice President and Chief Operating Officer.

After four interest rate hikes in 2018, U.S. News & World Report spoke to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, about why investors should reevaluate their fixed income allocations. Given the expected slowing economic growth, Jim suggested investors reassess the amount of credit exposure within portfolios and consider favoring higher quality issuers over weaker credits.

BMT Wealth Management’s market summary this week looks at Fed policy and current economic indicators. We analyze recent comments made after the December 2018 FOMC meeting and elsewhere, dive into surprise results from the December jobs and wages reports, offer an update on the bond market, and provide some guidance considering recent market volatility.

As investors analyzed the last jobs report of 2018, The Associated Press turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his interpretation of the new data and how the markets reacted as a result.

Bryn Mawr, Pa., January 4, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the appointment of Adam Bonanno as Senior Vice President and Chief Technology Officer (CTO) of BMT. Mr. Bonanno reports directly to President and CEO Frank Leto.

Charges from holiday spending continue to appear on credit card statements long after the holiday season is over. As the debts continue to roll in, consumers are tasked with the need to come up with additional funds to make good on their financial obligations. Even if you consider yourself a wizard at personal finance, you might be having difficulty recovering from the holiday debts you’ve accumulated. Here are a few tips to help you get back on the right financial track quickly.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke to Bloomberg about market volatility at the start of 2019. Ernie explained how political noise can distract investors from the healthy state of the economy and reports of earnings growth.

BMT Wealth Management’s market summary this week kicks off the New Year by looking at both the final week of trading for 2018 and current conditions through the lens of established indicators. Are you looking for an answer to the “are we heading for a recession” question? Read on as we compare current credit, loan demand, and loan quality conditions to those of 2008. Also, check out our short list of fundamental issues affecting market behavior.

New Year’s resolutions are a popular way for many people to make a vow to themselves to make one or more significant changes in their life. Often, when the enthusiasm is high and any sense of failure seems remote, people start out at full steam.

U.S. News & World Report called upon Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, to highlight potential areas of opportunity for investors to consider in 2019. Ernie discussed what he will be keeping a close eye on in the New Year from sectors like technology, consumer discretionary, energy, telecommunications and aerospace.

Malicious hackers have been known to find creative ways to get your money. In a 2016 study, a Dutch expert found almost 6,000 online shopping sites that harbored data-stealing code – with the companies running those sites being none the wiser. Stolen data was covertly forwarded to foreign servers and exposed thousands of unsuspecting online shoppers.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about BMT’s outlook on the markets after Treasury Secretary Steven Mnuchin dismissed rumors that Federal Reserve Chairman Jerome Powell would be removed from his position. While this news boosted U.S. futures in the short-term, Ernie explained that the markets are indicating a high possibility of a Fed policy error.

The holiday season is almost here, and now is the time to get ready. Time is already growing short, and there is still a lot to do. Hopefully you already have a fully funded holiday spending account in place, one that will allow you to purchase gifts for the ones you love. If not, a few simple spending offsets could fund your holidays. These financial compromises will help you enjoy a happy and financially healthy holiday season, so you can start the new year debt free.

Financial fraud is an important exposure for companies of all sizes, but the risk is especially acute for smaller organization that often have fewer controls than larger companies. Even small embezzlements can have acute financial effects on a small business, as well as morale problems resulting from a breach of trust.

With the Holiday season here, you’d better plan your shopping to avoid racking up burdensome credit card debt. Unless you want to be paying off holiday purchases through 2019 and beyond, you must employ diligent budgeting and savvy shopping to sidestep credit card debt.

Promises of special deals, rock-bottom pricing and the lowest price of the season are the fake enticements used by retailers to lure potential consumers to their door. While this is a sales practice employed all year long, the holiday season brings out the wildest and most outlandish promises. Some of these offers are legitimate while others are more hype than reality. Separating the good deal from the empty promise of low pricing is a skill anyone can acquire.

Thinking about or planning for a disaster – fire, theft, flood, etc. – is not pleasant. However, addressing those “what if” scenarios before they occur, when you are not under tremendous stress, will be comforting to you and all those affected. Having verifiable documentation of your ownership and worth of your valuables – works of art, jewelry, furniture, and recreational equipment – will help you navigate a potentially arduous claims process.

Building a solid credit history is essential for anyone who hopes to be able to own property, obtain favorable loan rates, and have more employment options. For young adults, the conundrum has always been that you need credit in order to build credit, and it is not always available when you’re first starting out. Building credit takes time, and it requires a conscious effort to manage it effectively. When building credit, it’s fairly easy to take a step forward and then have one small mistake put you three steps back. The fastest way to build credit is to always be aware of the five categories of credit scoring and conduct your credit activities accordingly.

As volatility continues in the U.S. markets, Bloomberg called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to explain recent bond and equity market activity. According to Jim, investors are focused on the upcoming Federal Reserve meeting next week as well as ongoing developments around trade negotiations.

BMT Wealth Management’s market summary this week takes a year-over-year look at the market and provides insights regarding the shape of the yield curve. It looks at what has been moving the S&P 500 Index (hint: it may not be fundamentals), provides a history lesson related to long-term and short-term interest rates, and takes a peek at the data the markets and BMT Wealth Management will be monitoring.

As U.S. markets hit correction territory at year-end, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for expert insight. Ernie put the latest drawback in perspective and explained that the market is repricing stocks to normalize their growth rates.

BMT Wealth Management’s market summary this week looks at recently released economic data and the effect of comments from world leaders. It reviews November 28 comments by Federal Research Chairman Jerome Powell regarding the performance of the Consumer Discretionary and Information Technology sectors, trends in the bond market, and initial analysis of comments from the G-20 Summit.

BMT employees celebrated being part of the BMT Men’s Health Team by wearing a team jersey to increase awareness of men’s health issues, to promote preventative health services, and to encourage a healthy lifestyle. Employees grew beards throughout the month as an additional show of support. Further, BMT has committed to making a $5,000 donation to the Movember Foundation, whose action plan is “Connecting clinicians and researchers from around the world to accelerate health outcomes for men living with prostate and testicular cancer.”

In part two of our podcast on the digital afterlife, Jen Fox, President of BMT Wealth Management, talks to Lee Poskanzer, CEO of Directive Communication Systems, about preparing estates for their digital afterlife. Their discussion focuses on issues relevant to professional advisors – estate lawyers, estate planners, and others – who are counseling clients on how to protect their digital assets after their death.

Our guest Lee Poskanzer, CEO of Directive Communication Systems, speaks with Jen Fox, President of BMT Wealth Management, about preparing for your digital afterlife. With a series of anecdotes and what-if scenarios, Jen and Lee delve into best practices for setting up your estate so that your final wishes for your digital assets – photos, fintech accounts, gaming profiles, etc. – are clearly defined. This is part one of a two-part podcast.

BMT Wealth Management’s market summary this week puts equity market corrections in historical perspective. It also reviews U.S. economic data, the recent performance of domestic equities by sector, investors’ expectations of the Fed’s future policy actions, activity in the fixed income markets, and how BMT’s investment process has held up during the recent volatile period.

All company managers, not-for-profit and for-profit, know they need insurance. They don’t always know why, and they don’t always understand exactly how it works, but they know there are funders, landlords, banks, and others who require that they have it.

Bryn Mawr, Pa., November 14, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (“BMT””), has announced that it will leverage its existing capital markets expertise to offer correspondent banking services to provide advisory and transaction management services to community and regional banks.

BMT Wealth Management’s market summary this week looks at how the results of the U.S. mid-term elections might augur well for the financial markets, the economic data coming out of China has cast a pall on the markets, oil prices have been on the decline, and many mega-cap tech stocks have been under price pressure.

As the Federal Reserve convened for one of its final meetings of 2018, Reuters called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to find out what he is interested to learn at the conclusion of the Nov. 8 FOMC meeting.

As the Federal Reserve convened for one of its final meetings of 2018, Reuters called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to find out what he is interested to learn at the conclusion of the Nov. 8 FOMC meeting.

The four elements of SWOT analysis create an easy-to-follow framework that businesses of all sizes can use to assess the current and potential health of their respective enterprises. The knowledge that a company can gain from SWOT analysis can aid in the planning and development of existing and future entrepreneurial strategies. Use these four steps as a basis for your research, and you’ll get rewarded with a more comprehensive and applicable overview of your business which can lead to accelerated growth, added resilience and maximized profits.

Building a solid credit history is essential for anyone who hopes to be able to own property, obtain favorable loan rates, and have more employment options. For young adults, the conundrum has always been that you need credit in order to build credit, and it is not always available when you’re first starting out. Building credit takes time, and it requires a conscious effort to manage it effectively. When building credit, it’s fairly easy to take a step forward and then have one small mistake put you three steps back. The fastest way to build credit is to always be aware of the five categories of credit scoring and conduct your credit activities accordingly.

BMT Wealth Management’s market summary this week explores why, if economic growth is strong, equities continue to sell off. It also places equity market volatility in context by comparing recent periods when the S&P 500 Index has fallen more than 10% in the absence of a recession or bear market.

Who wouldn’t want to be a millionaire? We all have a goal of becoming financially independent at some point in our lives, and while it might take more than a million dollars to achieve that, it’s a pretty good start. The fact of the matter is that anyone can save a million dollars, though the longer you have to save the easier the task. All it requires is discipline, patience and motivation. And yes, it also requires the money to set aside each month. But once you know how much you need to save and how realistic the goal really is, the motivation will come.

BMT, announced today their Think Pink campaign for October, National Breast Cancer Awareness Month. The effort is meant to bring awareness about early detection and acknowledging and supporting individuals and families affected by breast cancer.

Automobile insurance premium rates have been on the rise for the past several years, and they are expected to continue to increase in the immediate future. What is behind the higher rates and how might rapidly evolving technology affect automobile insurance in the years to come?

Marc joins BMT from Wells Fargo, where he worked since 2003 and advanced through various roles, including Senior Vice President and Regional Investment Manager, Regional Finance Manager, and Regional Chief Financial Officer. His other previous work includes time at Ernst & Young, LLP; Arthur Anderson, LLP; and JP Morgan & Co., Inc. He holds an MBA in finance and a bachelor’s degree in business administration, both from Temple University.

Building a viable business and succeeding as an entrepreneur is not a mission for the meek and mild. Entrepreneurship can be grueling and can leave you wondering why you ever thought building your own company was a good idea. But if you are determined and are willing to invest in your future, you can improve your odds of business success as an entrepreneur. Incorporate the following five tips into your modus operandi and there’s a mighty good chance you’ll find the business success you long for.

In today’s attention economy, just getting heard above the noise is half the battle. Everyone is battling to get the limited attention of potential customers online. But there’s more to building businesses and brands than attracting attention. You need frequent interactions and unique value, and you need to control information to control the story that people tell each other about your company.

Many people are familiar with the tale of King Midas, who turned everything he touched to gold. That story is the reason many successful people are said to have the “Midas touch.” Unfortunately, being an entrepreneur does not guarantee financial success. Every entrepreneur likes to think they work hard enough (or smart enough), yet many of them struggle for years and achieve only modest success.

BRYN MAWR, Pa., October 18, 2018 - Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”) today reported net income of $16.7 million, or $0.82 diluted earnings per share for the three months ended September 30, 2018, as compared to net income of $14.7 million, or $0.72 diluted

Staying home with your baby is a wonderful privilege, but it comes at a price. While you get to be there for every one of your baby’s developmental milestones (and shower them with hugs and kisses), you may also have to sacrifice a full-time paycheck.

The Fall issue of BMT Wealth Management’s Economic & Market Quarterly discusses recent economic expansion and the forecast for U.S. economic growth, analyzes the performance of the equity markets (noting that geography continues to be an important factor when it comes to equity market returns and reflecting on the aggregate advance in the S&P 500 Index since 2007), and reviews the performance of the fixed income markets, including the flattening of the yield curve. It also addresses the challenges of late-business-cycle investing and offers our outlook for the economy and financial markets going forward.

Jen Fox, President of BMT Wealth Management, met with Jim Barnes, Director of Fixed Income with the firm, to talk about the interest rate environment in the United States. Their conversation ranged from the primary drivers behind the recent rise in interest rates to whether clients should be concerned about those increases, the impact higher rates has on bond prices, and how that affects investors’ portfolios. Jim also offered his thoughts on the course of interest rates going forward.

BMT Wealth Management’s market summary this week discusses the economic data providing evidence that U.S. economic growth is not only expanding, but growing at a robust pace; the recent jump in bond yields; and falling equity prices.

How are individual taxpayers being affected by the Tax Cuts and Jobs Act of 2017? Jen Fox, President of BMT Wealth Management, and Paul Gaudio, a Wealth Planning Strategist with the firm, met to discuss the changes the Act made to three types of taxes – the alternative minimum tax, the estate tax, and the “kiddie tax” (the tax on unearned income of dependents) – and what that means for tax and estate planning.

You would think the main thing that separates the financial winners from the losers is money. Obviously, the more money people have, the more things they can buy, but that doesn’t necessarily translate into happiness. Even people who make a lot of money can find themselves at its mercy if it controls their lives. Conversely, you probably know some people who make less than you do. Yet, somehow, they seem to be in control and enjoying life as if they had all of the money in the world. It all comes down to attitude. It takes a winning financial attitude to take control of your finances and get the most out of life no matter your income.

The economy is growing again, but, stagnate incomes and increasing living costs are still forcing many people to squeeze more from their budget to meet expenses. Reducing debt is the quickest way to free up some money, but that often requires getting more control over spending. If increasing your income is not an option, there are several ways to squeeze more out of your budget to accomplish both.

One of the most common mistakes rookie entrepreneurs make is neglecting to prepare a business plan. A business plan doesn’t necessarily have to be long and detailed, but it should serve you and your team as a roadmap and a rallying point, while also keeping your efforts consistent and measuring your progress.

Bryn Mawr, Pa., October 3, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), announced today that Mark Bradford has joined the Company as Senior Vice President and Director in their Wealth Management division. Mr. Bradford reports directly to Jennifer Dempsey Fox, CFP®, President of BMT Wealth Management, and maintains an office in Bryn Mawr, Pa.

Identity theft affects over 15 million consumers every year. As much as we all like to think “This would never happen to me or my family!” the reality is that it just might. There are many resources online that instruct you on minimizing your risk exposure, using secure and unique passwords, and avoiding scheme websites and unscrupulous “phishers” in your inbox.

Technology is critical to the operations and success of most small businesses, which makes routine maintenance of your tech infrastructure vitally important.

Like any type of equipment, monitoring technology performance and addressing small issues is more efficient and cost-effective than having to deal with downtime and higher costs in the aftermath of an outage or disruption.

BMT Wealth Management’s market summary this week analyzes consumer confidence and its surge toward a level we’ve not seen since the height of the 1990s dot-com bubble; discusses the FOMC’s increase of the federal funds rate target range and the statement it released after its meeting last week; and provides a recap of recent activity in the financial markets.

Many entrepreneurs know the value of feedback, as it tells them what the customers are thinking. The problem is, a lot of those same entrepreneurs aren’t sure or aren’t interested in what else they can do with said feedback at that point. That’s a tremendous waste of a powerful resource.

With the U.S. national debt at $21.5 trillion, U.S. News & World Report spoke to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to discuss the implications of the growing national debt on investors. Jim explained that as the budget deficit increases, the government issues more Treasury securities, which may lead to lower prices and higher interest rates for bondholders.

The aim of a successful investor isn’t just to make money; ultimately, money is a means to an end. Understanding what you want to achieve with your investments is vital to choosing the right approach and meeting your financial goals. What this means is that you need to think ahead and understand some of what the future might hold, and use this to guide your investment decisions.

BMT Wealth Management’s market summary this week looks at equity markets, trade, and strong employment data (weekly initial jobless claims reported last Thursday hit a level last seen more than 48 years ago, in late 1969). It also examines wage pressures and the yield curve (the two-year to 10-year spread of U.S. Treasury bonds), which, while still positively sloped, has narrowed considerably since early 2017.

In a world full of constant expenses, frugality isn’t exactly easy. Unnecessary items such as extra clothes and toys are expensive, and even life necessities such as toothpaste and napkins can be costly. These five tips will help you save pennies starting with the most necessary items you’ll buy: food.

With equity markets advancing strongly to the upside, CNBC turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his insights on potential risks to the market rally. Ernie explained that his team monitors a number of indicators, such as wage growth and the slope of the yield curve, that may signal the onset of faster inflation, a potential risk to the bull market.

Most people carry debt. The average person has a mortgage, car loan, student loan, and credit card debt. People get so caught up in keeping up with the Joneses that they end up mismanaging their finances. When shopping for a house, people tend to spend at the top of their budgets. Many feel the need to buy a new car every few years. They put vacations on credit cards and eat out multiple times a week. Enjoyment is an important part of life, but if you’re left with no money at the end of every month, how much of life can you really enjoy?

A sales and marketing plan is essential to any small business’s success, without one a business may struggle to have measurable and achievable goals in place. The right sales and marketing plan clearly identifies everything from who the target customers are to budget. When done correctly, it can serve as a roadmap for the growth of a small business.

Ever since President George H.W. Bush talked about the “thousand points of light,” there has been considerable public attention on, and interest in, volunteerism. Most not-for-profit organizations rely on volunteers to some degree to fulfill their mission, and their insurance policies must address the associated liability brought on by volunteer programs.

Jen Fox, President of BMT Wealth Management, and Jennifer Marshall, Tax Manager with BMT Wealth Management, sat down to discuss some of the provisions of the Tax Cuts and Jobs Act of 2017 that are most likely to impact, and provide opportunities for, individuals and businesses. They also explored several tax-planning strategies that are now available.

Google recently announced some new measures it’s taking to help protect small businesses from scammers. This follows recent action from the Federal Trade Commission and numerous efforts by Google itself to keep business from falling prey to what the company refers to as “predatory practices.”

Identity theft is no joke. Every year, millions of people are scammed out of millions of dollars due to identity theft and fraud. There are, however, simple steps you can take to help protect yourself against the risk of identity theft. This article discusses the basics of how to keep your information and identity safe. 

BMT Wealth Management’s market summary this week analyzes the recent performance of equities around the globe, notes that emerging markets have entered a bear market, and charts out the differences in returns by geography thus far in 2018. It also looks at employment data for the month of August and the effect it has had on Treasury prices, and explains why the average hourly earnings figure is currently a major focus for bond investors.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with CNBC.com to explain how potential regulation for social media companies and valuation concerns can impact stocks in the tech sector.

BMT Wealth Management’s market summary this week reflects on recent trade discussions and U.S. economic growth; the U.S. equity markets reaching record highs; and U.S. Treasury yields.

As the school year approaches and schedules begin to fill up again, we all might be experiencing a little more stress than usual. Amidst the hubbub, it’s important to have a place of rest to return to after a long day. But does coming home make you feel restless rather than relaxed? If so, it may be time for a change of scenery — inside your home. Your physical space has a big impact on your mood and overall well-being, and with a few key changes, you can turn your space into a tranquil paradise that you’ll love coming home to.

Bryn Mawr, Pa., August 29, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced Alan DePonceau has joined BMT’s Capital Markets group as a Senior Vice President and Director of International Services. Mr. DePonceau will report to the Managing Director of Capital Markets, Neil Orechiwsky and will focus on delivering premier international payments, foreign exchange and trade finance solutions to BMT customers.

As smart speakers and connected devices gain momentum in consumer markets, they’re also making inroads among business users interested in increasing convenience and efficiency within their workplaces. Devices such as Amazon’s Echo, Google Home and others are coupling advances in voice recognition, natural language processing (which helps computers understand the way people speak) and artificial intelligence to help business owners complete, and automate, a growing number of routine tasks.

As geopolitical tensions simmered in late August, Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Reuters to explain how these events are impacting fixed income markets. 

As you invest time, money and effort promoting your small business, it’s also important to devote some time to examining how your various marketing approaches are working to support your business and its revenue goals. Measuring the success of your marketing efforts is critical to understand what’s paying off and, equally important, which investments aren’t worth repeating. Evaluating your marketing efforts will help you expand the initiatives that are providing benefits to your company while reducing the amount of marketing spending you waste.

Every small business wants to increase sales and grow revenue, but what’s the magic secret to doing this? The sales funnel. No matter what type of small business or what budget you have to put towards gaining new business and keeping existing customers, a sales funnel is essential. A sales funnel is meant as a way to visualize the customer’s journey through the sales process. If you envision a funnel, then the sale begins at the large top opening then ends as it gets smaller with purchase (or alternative end goal). A sales funnel can also be referred to as a sales pipeline and can be the key to measuring, managing and forecasting the sales process. Additionally, it can also be the driving force to improving the sales process to gain more business. This sales process can involve a variety of different aspects and can vary significantly from one business type to the next.

Identity theft is no joke. Every year, millions of people are scammed out of millions of dollars due to identity theft and fraud. There are, however, simple steps you can take to help protect yourself against the risk of identity theft. This article discusses the basics of how to keep your information and identity safe. 

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about the ongoing bull market, which is currently the longest ever to be recorded. Ernie weighed the risks associated with today’s all-time market highs and explained that the length of the bull market itself isn’t a cause for concern.

In school, you learned all about World War II, chemical reactions, and Shakespeare – but you may not have learned about how to properly manage your finances. Though not often taught, personal finance is perhaps one of the most important lessons that everybody needs to learn. In this article, you will learn about the five most important steps to having an efficient and organized financial life.

It is no surprise that the cost of weddings has been on the rise in recent years. The expense of hosting a wedding has become so high that some brides and grooms are starting their lives together deep in debt, increasing the odds that their finances will continue to suffer for years to come.

Personal insurance typically provides individuals and families with protection against loss to their property and assets from such perils as fire, water damage, and liability lawsuits. However, there is another exposure that is becoming an increasingly dangerous threat in our technology-driven world – cybercrime.

Fox Business called upon Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, to provide an update on the U.S. economy. Ernie explained the importance of maintaining a diversified portfolio over the long term in order to weather market storms.

If you are a fan of real estate shows, you might think that bigger is always better. On those shows, young couples are routinely encouraged to buy bigger homes than they currently need. The idea behind that advice is that the home will grow with them, and that children will eventually occupy all those empty bedrooms.

Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, provided expert commentary to U.S. News & World Report on whether parents should ask their children to pitch in on household expenses. Jennifer encouraged parents to approach finances in a way that works best for their family and teach their children the value of a dollar.

BMT Wealth Management’s market summary this week looks at global economics, including the plunge of Turkey’s currency due to worries about the country’s stability; the movement of the U.S. Core Consumer Price Index over the past 20 years; how a less accommodative stance by the Fed has propelled short-term interest rates to rival the dividend yield on the S&P 500; and second-quarter corporate earnings.

Within the classic 4P’s of marketing are the product, promotion, price, and placement. Placement is also considered as the distribution channel for a business. Both B2B and B2C small businesses sell through either one main distribution channel or multiple channels. The distribution channels will differ from one company to the next but may encompass any of the following: retail, distributor/ wholesaler, dealer, sales team, online, and numerous other channels.

The most important person in your life popped the proverbial question, and you said yes! The time leading up to an engagement can feel so important that many brides- and grooms-to-be don’t know what to do with themselves afterwards. However, there are a few things you really should take care of once you become engaged. So what do you need to do after you say yes?

As the school year approaches and schedules begin to fill up again, we all might be experiencing a little more stress than usual. Amidst the hubbub, it’s important to have a place of rest to return to after a long day. But does coming home make you feel restless rather than relaxed? If so, it may be time for a change of scenery — inside your home. Your physical space has a big impact on your mood and overall well-being, and with a few key changes, you can turn your space into a tranquil paradise that you’ll love coming home to.

Whether your goal is to make your home life more enjoyable or make your property more valuable, you cannot go wrong with an upgrade to your kitchen or bathroom. Upgrading the kitchen and bathroom can make your home more attractive to potential buyers, but these home improvements will also enhance your life right now.

Reuters turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for expert commentary on bond market activity. Jim explained how recent trade tensions have increased the demand for bonds as a safe haven, although expected U.S. Treasury issuance may put upward pressure on bond yields.

BMT Wealth Management’s market summary this week discusses the strength of the U.S. economy and the favorable economic data that was released last week, including data on consumer confidence, June pending home sales, and July employment. It also compares rising 10-year bond yields in countries around the globe, notes the mark Apple Inc. has made on stock market history by crossing the $1 trillion level in market capitalization, and reviews the results of the earnings reporting season.

Small business owners have been generally optimistic throughout 2018 so far, and that positivity appears to be sticking around. According to a recent survey from WalletHub, seven out of ten owners find the present to be a good time for growth. The company’s 2018 Small Business Owner Survey also found that over a third (38 percent) of small businesses find access to a talented workforce to be the most important factor for success. Other factors business owners cited include limited regulation (25 percent), low taxes (21 percent), easy access to credit (13 percent), and government incentives (3 percent).

Crowdfunding provides an alternative to loans, credit lines, and traditional investors while allowing a business to get a sense of product demand before creating it. By utilizing the internet, a would-be business owner can collect donations from around the world with a solid idea and pitch. The core market is built-in, and contributors tend to be great for word-of-mouth marketing. The advantages can be tremendous a campaign is successful. It’s not hard to see why an aspiring entrepreneur would be interested in this type of funding.

Social Media Marketing is highly visual, with photographs and video dominating social network feeds as well as illustrations and other graphics. Most small business owners are not professional photographers, videographers or graphic designers, so producing visuals for social media can be challenging. Add to that challenge the fact that each social network requires different sized images for cover images, profile images and posts. What might look great on Facebook could look less attractive on Twitter, Instagram or Pinterest.

BMT Wealth Management’s market summary this week explains that, while several key economic reports pertaining to housing, durable goods, and consumer sentiment were released last week, Friday’s (July 27) GDP report had the largest effect on financial markets. It also recaps the recent performance of the equity and bond markets.

“Business is business. It’s no place for emotion, especially when it comes to my customers.” If you subscribe to that line of thinking, you’re doing yourself a major disservice. People are emotional creatures, which means emotions play a bigger role in the consumer’s decision-making process than you might think. It doesn’t matter what you’re selling: If you don’t know how to create an emotional connection with your customers, you won’t be able to hold on to them for long.

Every business begins with a vision or an idea. From there, businesses are either launched to success or they land in a heap of failure. The difference, for most entrepreneurial efforts, is likely to be found in the critical first steps that were undertaken in the formulation and implementation of the business plan. Even those businesses that initially failed to launch, stand a good second chance of success if the right steps are taken. Every aspiring business owner needs a start-up starter kit that includes the 10 things you absolutely must do to launch a business.

In an article on the day’s market activity, CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for expert commentary on recent earnings reports. Ernie noted that high-performing companies with earnings that fall below expectations are being punished more harshly this earnings season.

Moving in with someone is a milestone in your relationship. You’ve dated long enough to know the other person pretty well. You’re confident they’re the one with whom you want to share your life. And, let’s face it, you’re in love, and if possible, you’d like to see them every minute of every day. Of course, you’re not so blinded by love that you don’t think there will be a few disagreements. But did you know that the majority of arguments between new couples are about money? If you’re serious about this relationship, you need to get serious about money too.

One of the issues that comes up frequently among business owners planning for their retirement is whether they should pay off their mortgage before they retire. Of course, the short answer is: It depends. Many factors have to be considered, including your cash flow and liquidity needs in retirement, how your assets are allocated, your tax situation, and your general attitude about debt. While there are several advantages to paying off your mortgage, there may be situations when keeping it can provide more benefits.

Bryn Mawr, Pa., July 23, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced Joseph J. DiMaio Jr., CFP®, has joined BMT’s Wealth Management Division as Senior Vice President, Relationship Manager, effective immediately. Mr. DiMaio will report directly to BMT Wealth Management Division President Jennifer Dempsey Fox.

BMT Wealth Management’s market summary this week analyzes recently released economic data, including details on consumer spending, the labor market, and the housing market; reviews the recent performance of the S&P 500 and overseas equity indexes; and looks at rising bond yields.

As soon as the summer heat really kicks in and you turn on the AC for the first time, you start to dread seeing your next energy bill. But while we know air conditioning can be a major energy sucker, there are also some other not-so-obvious culprits that could be hiking up your energy bills all year round. Since we’re all looking for ways to save energy (and money!), we drew up a list of some of the biggest energy suckers in your home, so you can stop them in their tracks.

BRYN MAWR, Pa., July 19, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”) today reported net income of $14.7 million, or $0.72 diluted earnings per share for the three months ended June 30, 2018, as compared to net income of $15.3 million, or $0.75 diluted earnings per share, for the three months ended March 31, 2018, and $9.4 million, or $0.55 diluted earnings per share, for the three months ended June 30, 2017.

CNBC.com turned to Jennifer Dempsey Fox, President of Bryn Mawr Trust Wealth Management, for expert advice on how new investors can build and maintain wealth. Jennifer emphasized the importance of asking questions in order to move forward with any financial goals.

Social Media Marketing is highly visual, with photographs and video dominating social network feeds as well as illustrations and other graphics. Most small business owners are not professional photographers, videographers or graphic designers, so producing visuals for social media can be challenging. Add to that challenge the fact that each social network requires different sized images for cover images, profile images and posts. What might look great on Facebook could look less attractive on Twitter, Instagram or Pinterest.

Heading off to college is an exciting time in a young high school graduate’s life. It is a time in which you get to spread your wings, further your education, and aspire to the career opportunities that await when you finish. It is also the time in your life when you need to start understanding finances, so you can hit the ground running once you obtain your degree. If you expect to emerge from college as debt-free as possible, there are 10 smart things you can do while you are in college to save some money.

Directors and officers liability insurance (D&O insurance) is important coverage that all companies (private and public) and not-for-profit institutions should consider carrying. It protects the assets of the entity’s directors and officers – and their spouses – in the event they are personally sued for wrongful acts or mismanagement of the organization.

With cyber attacks increasingly targeting businesses of all sizes, a growing number of small businesses are protecting themselves with cyber liability insurance designed to help them deal with the aftermath of a data breach. By providing financial support and services to help small businesses deal with aspects such as customer notification, data restoration, business interruption and other effects, cyber liability insurance can play an important role in helping a company survive a data breach or online attack.

In episode 4 of the podcast, BMT Wealth Management President Jennifer Fox and Director of Strategic Research Tony Natale discuss concerns about tariffs and trade wars; corporate earnings; China’s impact on trade balances; and the politics that seem to be driving decisions by the current Administration.

Another sign that the economy may be picking up is the reported increase in restaurant revenues, an indication that people are allowing more dining out into their once-strapped budgets. Recent surveys, however, point to another reason why people are choosing dining out over eating at home. Many have determined that it could be less expensive. Really? While it’s true that grocery prices have increased faster than restaurant prices, can one truly make the case that, over the long run, it’s cheaper to eat out, or is it just a rationalization for avoiding the kitchen?

Investor’s Business Daily turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for BMT’s market outlook for the rest of 2018. Ernie explained how the firm analyzes various indicators, such as the performance of small-cap stocks, to determine the likelihood of a recession.

The Summer issue of BMT Wealth Management’s Economic & Market Quarterly analyzes economic growth in the United States, economic conditions internationally, and the recent performance of domestic equities (comparing the S&P 500 to international indices) and the fixed income markets. It also offers our outlook for the economy and financial markets going forward.

With the number and sophistication of ransomware and other attacks on company networks and data increasing dramatically, choosing a backup service to protect your small business data is more important than ever.
For most companies, customer and financial data is critical to the daily operations, profitability and, ultimately, sustainability of their business. If data is lost or locked, or a company can’t operate its computing devices for any period of time, the business is likely to suffer financial and reputational damage.

It’s no surprise that most small businesses are using social media these days. Despite frustrations with algorithm changes commonly made by Facebook and similar companies, these types of platforms give businesses a chance to gain very targeted eyeballs that other formats simply cannot provide.

Whether your goal is to make your home life more enjoyable or make your property more valuable, you cannot go wrong with an upgrade to your kitchen or bathroom. Upgrading the kitchen and bathroom can make your home more attractive to potential buyers, but these home improvements will also enhance your life right now.

A small living room can feel terribly cramped. But with the price of properties at all-time highs, and many house builders making homes smaller every year, more and more people have to make do with a tiny space. How can you turn a little room into a desirable space? First of all, lighten it up. Heavy curtains and drapes stop the light getting in. Take them down and replace them with thinner fabric, like muslin, or with blinds. Use light colors on the walls, and use matte paint, not gloss: it diffuses the light, instead of reflecting it. Furniture, too, should be light in color; white painted surfaces, rather than wood, are best for tables and shelves, while upholstery should be in pastels, white, or beige and other light natural hues.

BMT Wealth Management’s market summary this week addresses the volatility that has hit the financial markets due to fears of trade tariff wars with China, and compares the size of tariffs with incremental fiscal policy. It also reviews the recent performance of the equity and bond markets.

In a recent NerdWallet article, Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, provided expert commentary on two of investors’ most pressing concerns this summer – the possibility of an inverted yield curve and rising interest rates. In response to these developments, Ernie recommended keeping your portfolio diversified, as well as allocating more to small-cap stocks and bonds with shorter-duration maturities.

As Amazon’s purchase of PillPack shook up the pharmaceutical industry this week, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for comment. Ernie underscored the often-disruptive nature of Amazon’s rumored and actual intrusions to business models.

Car insurance is a product that few people think about beyond the context of paying their annual premiums. As a result, many people neglect to adjust their policies as their circumstances change. That neglect can lead to costly problems if they cause an accident. Several life events warrant taking a close look at your auto insurance policy. Each one may cause a shift in your financial status. Failing to update your coverage amounts and the types of insurance included on your policy can expose you and your family to considerable financial risk. Read on to learn how four major life events can change your car insurance needs.

If you plan to travel this summer, you might rent a car. Many rental car companies advertise attractive rates, but when it comes time to pay for the rental, you are confronted with options that can increase the rate significantly. One of the more costly options is the collision damage waiver.

Keep track of all of your expenses. As ridiculous as this may sound, until you record all of the expenses you have and the places you spend your money each month the chances are that you aren’t actually aware of exactly how much you are spending on different categories in your life, such as entertainment, eating out, etc. Putting it in black and white can make it easier to determine areas where you can most easily cut back in order to boost your long-term savings.

BMT announced today the appointment of Michael S. Thompson as Senior Vice President and Chief Financial Officer of the Banking Division, effective June 19, 2018. He will report directly to Kevin Tylus, President of BMT Banking Division. Thompson was the CFO at Royal Bank (RBA) from 2012 until it was acquired by BMT in December of 2017. Since then, he has been working with BMT supporting multiple initiatives. While at RBA, Mr. Thompson held several senior roles beginning in 1999, including controller and chief accounting officer.

Small business owners rely on the Internet for everything from ordering stock to keeping in touch with customers. Unfortunately this brings exposure to the increasing threat of cyber crime. In addition to stealing money by fraud and deception, cyber criminals may set out to damage your reputation or put you out of business completely.

Another sign that the economy may be picking up is the reported increase in restaurant revenues, an indication that people are allowing more dining out into their once-strapped budgets. Recent surveys, however, point to another reason why people are choosing dining out over eating at home. Many have determined that it could be less expensive. Really? While it’s true that grocery prices have increased faster than restaurant prices, can one truly make the case that, over the long run, it’s cheaper to eat out, or is it just a rationalization for avoiding the kitchen?

Your boutique business is no ordinary enterprise. You offer that special selection, those unique items or that specialized service. You provide something extra; something different than a basic, run-of-the-mill business. Of course, your offerings, being extraordinary, come with a more robust price tag. And while your clientele is willing to pay more, there’s something extra they should be able to count on: an amazing customer experience.

Jennifer Fox, President of BMT Wealth Management, sat down with Jim Barnes, Director of Fixed Income at BMT Wealth Management, to discuss reactions to news from the recent FOMC meeting, the prospect of the Fed taking a more aggressive stance with regard to monetary policy, and overall economic growth in the United States.

BMT Wealth Management’s market summary this week discusses the markets’ reactions to the Federal Open Market Committee’s decision to raise the target range for the federal funds rate (it’s the second rate hike in 2018, and the seventh since the end of the Great Recession of 2008-09) and its unexpected signaling of two more potential rate hikes this year, rather than just one; reviews the recent performance of domestic and international financial markets; and announces the launch of BMT’s podcast series, which provides another way to share our expertise and offer commentary on timely financial, business, and monetary topics.

Money issues being the number one reason why married couples fight may not be very surprising; what may surprise you is that, while most married couples do try to address their financial issues regularly, many of them simply don’t know how to do it. The problem is that most couples haven’t thought things through strategically, so they leave themselves open to emotions and reactive planning which really have no place in sound financial management. The time to sort everything out and forge a money management strategy is before you get married. So, here is our money advice for couples about to get married.

BMT Wealth Management’s market summary this week reports on how recently released economic data such as the ISM Non-Manufacturing Report on Business Backlog of Orders Index indicates that the U.S. economy is picking up momentum; and reviews the recent performance of domestic and international financial markets, including the spike in two-year Italian sovereign bond yields.

Good credit is essential. Whether you want to buy a car or a new home, start your own business or just get the best rate possible on the credit cards you use on a daily basis, without good credit you may be unable to do these things –or you’ll be faced with very high borrowing costs and interest rates. Having a poor credit rating can even cost you a job, as many employers actually run credit checks on candidates they are thinking of hiring and a poor credit rating is considered a sign that someone may be irresponsible or a theft risk.

More and more people own household devices that connect to the internet. Simple ideas such as being able to control your heating and lights remotely or being able to open the front door even if you forgot your key can make life easier day today. But what are the risks? You protect your computer from viruses or malicious attacks by having antivirus software and keeping the operating system up to date.

In episode 2 of the BMT Wealth Management podcast, President Jennifer Fox and Chief Investment Officer Ernie Cecilia discuss what is driving the financial markets, the Tax and Jobs Act, regulatory trends, interest rate hikes, and government bonds around the world.

In the inaugural BMT Wealth Management podcast, President Jennifer Fox and Chief Investment Officer Ernie Cecilia discuss implications on financial markets by news from the recent G7 meeting in Quebec, Canada and the historic meeting between U.S. President Donald Trump and North Korean leader Kim Jong-un. They also discuss investment portfolio structuring, quantitative easing, and market fundamentals.

Bryn Mawr, Pa., June 12, 2018 – Bryn Mawr Trust (BMT), a subsidiary of Bryn Mawr Bank Corporation (BMBC) (NASDAQ: BMTC), announced today the appointment of Christopher P. McGill as Market President, Philadelphia and Southern New Jersey, effective July 2, 2018. McGill will report directly to Bryn Mawr Trust Banking President Kevin Tylus. 

The anticipation of a summer vacation is so exciting! Once your lodging, transportation, and sightseeing activities are all lined up, there’s nothing left to do but go, right? Not so fast. There’s one more important detail you should consider before taking off on your summer excursion: your home security. Whether you’ll be gone for a few days or a few weeks, make sure your home is well-protected from a variety of circumstances. From deterring pesky burglars to preventing weather damage, the following tips cover a range of ways to keep home sweet home safe and sound while you’re away.

Take a look at the images that you are able to modify on your social networks including the header and profile images for your accounts. That includes Facebook, Twitter and LinkedIn. Think of ways you can freshen up the look. Be creative. Make sure your logo is properly positioned and crisp. If you aren’t a graphic designer, invest in well-designed images sized specifically for each social network for the highest impact.

Car accidents can be terrifying. In a moment, you’ve gone from a smooth ride to battered on the side of the road. With everything that happens in those few seconds, it can be hard to remember what to do next. However, it’s crucial that you take a few important steps, as failure to do so can result in having to pay for expensive repairs out of pocket, or worse, legal liability. Read on to find out the three steps you need to take immediately after a collision.

BMT Wealth Management’s market summary this week looks at how the political turmoil in Italy and the May U.S. employment report bookended last week’s holiday-shortened trading week; notes that the current unemployment rate is at a level most recently seen in 2000; explores why, with the unemployment rate at such low levels, wage growth is receiving much scrutiny; and reviews the recent performance of domestic and international financial markets.

In a roundup of the day’s market activity, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for BMT’s view on the behavior of the equity markets. Ernie explained that fundamental factors (economic growth, strong corporate earnings, relatively benign interest rates) have been the primary drivers of financial asset pricing, as headline events (North Korea, Iran, trade, etc.) instill a measure of volatility over shorter time periods.

Small business owners know that reputation is everything. The way your business is perceived by the public is more important than virtually any other factor, including what you sell, where you’re located, your pricing, the quality of your product… A good reputation must be nurtured and maintained as an integral part of your business’ identity. Customers are rightly wary of a business that lacks a reputation “for” something good. It’s a crucial way to set your business ahead of the competition and implant a positive impression in your customers’ minds. And a poor reputation? Well, all the clever and on-point advertising in the world won’t make a dent in repairing a damaged reputation.

Bryn Mawr Trust (“BMT”), announced today the launch of uChoose Rewards®, a debit card loyalty rewards program for Personal and business customers. BMT Visa® Debit Card holders can begin registering today at bmtc.com/rewards and begin earning points.

U.S. News & World Report sought expert insight from Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty office, on how parents should adjust their financial plans once their kids leave the nest. Paul advised against collecting any new debts and underscored the importance of building retirement savings during this period of transition.

By the time you send your son or daughter off to college you hope that he or she is responsible enough to make at least some adult decisions – like those concerning money, spending and budgeting. For responsible young people, a credit card can provide a great deal of value, from building a credit history and credit score to teaching lessons about financial responsibility. Unfortunately, not every college student will have the maturity level necessary to deal with these important matters.

BMT Wealth Management’s market summary this week discusses how geopolitics are affecting the economy, oil prices are affecting the price of energy stocks, and U.S. Treasury bond prices staged a comeback from the recent rise in interest rates; and reviews last week’s activity, as well as year-to-date trends, in the equity markets, highlighting the positive performance of the small-cap stratum.

As a grandparent, you might be thinking about the future for your grandchildren. You know that you won’t be here forever to help take care of them, so you might be thinking about getting them a life insurance policy now while you have the time and money to do so. In fact, the gift of life insurance is often appreciated once a child grows into adulthood and realizes the sacrifice you have made to ensure their future.

Artwork is a tricky topic, as it is purely a matter of taste and personal choice, but it’s a key element that will elevate your home into a refined and personalized space. The styles and mediums you choose for your home, and where you place them, reflect your sense of style, as well as your personality.

Looking for a few ways to freshen up your home without breaking the bank or sacrificing too much time? We’ve rounded up three fairly simple home improvement/decorating projects that can be completed in a day, even by beginners. Put aside one day this weekend and make a change that will refresh your home, without having to make a major overhaul!

You should have a clear idea of why you want to conduct an insurance review. What are your goals and expectations? If you have no concerns or are not aware of any problems, it is possible that you have just been lucky. It may be that you don’t know what you don’t know.

It’s no surprise that studies show young adults are not into insurance. There are too many other financial challenges to worry about, such as paying off crushing student loan debt and saving for future goals. Actually, other studies show that younger adults would rather spend their money on such things as travel premium TV streaming services than use it to buy life insurance.

Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his latest take on market activity. Ernie explained that BMT monitors three key factors for their influence on markets: economic growth, earnings, and interest rates.

Buying a new home is exciting — and overwhelming. A lot goes into buying and moving into a new home. One item you will need to take care of is purchasing homeowners insurance. If this is your first time buying homeowners insurance, you may notice that it is more complicated than your typical auto insurance policy. Here are five things you should know before buying a homeowners policy.

Social media is dynamic, and social networks and mobile apps are continuously changing and updating. While it is challenging to keep up with all the changes, your social media presences should never be stagnant. Still, it is easy to get overwhelmed or to neglect accounts you’ve set up with every intention of using.

Bryn Mawr Trust, announced today that Mr. Matt Grygiel has joined the Company as Vice President and Relationship Manager of commercial lending in their Wilmington, Delaware office. He reports directly to Senior Vice President Anthony Manerchia, under the direction of Wayne McKillop, SVP Director of Commercial Lending C & I.

You’ve finally fallen in love. You are on the verge of moving forward with the relationship, but you aren’t sure that the two of you are compatible financially. Since you are aware that money often becomes the issue that separates two people, you have your doubts. What can you do to figure out if the two of you are on the same wavelength when it comes to money?

“Just keep on networking,” that’s what most business owners would tell new entrepreneurs when asked about how to succeed. In business, they say, you have to reach out to people, you have to socialize, and let others know what you’re up to. How do you do this if you’re not into the small talk and the extra socialization? Many introverts would be scared even to try pitching their products or services to others. If you’re one of these socially-picky crowd, you may want to look into these five strategies that could help your business grow despite your introverted personality.

One of the best parts of being a homeowner is the freedom to customize your space. From painting the walls to knocking them down, there are endless opportunities to put your own personal stamp on your home and make it yours. But before you dive into any renovations, you should know what they will cost you and how much of those costs you can expect to get back through appreciation when you sell.

BMT Wealth Management’s market summary this week looks at the April figures for the Producer Price Index and the Consumer Price Index and shows how consumer prices have leveled off from their jump earlier this year; and discusses the recent performance of the financial markets, which have seen rising equity prices, oil prices, and bond yields.

As the weather heats up, our thoughts turn to fun in the sun, backyard barbecues, and peaceful nights on the patio. Make sure your home is ready for the summer weather by completing these seven summer maintenance tasks. Addressing the repairs and touch-ups and setting up your outdoor space before it’s too warm to do anything but lounge about drinking sun tea will help ensure your summer is an enjoyable one!

Developing the right mindset is the key to business success. Despite having little or no money when starting their businesses, many entrepreneurs have used their exceptional way of thinking to create successful business empires. If you want to succeed as an entrepreneur, you need to develop the right mindset.

It’s your sanctuary, your place of rest, your family’s stomping grounds. Finding and settling into the perfect home brings such a rewarding feeling, but let’s be honest: The process leading up to it is no cakewalk. There’s a lot that goes into buying a home, but that doesn’t mean it has to be a stressful experience. With the right knowledge and preparation, you can ensure the whole process goes off without a hitch.

As the U.S. announced its stance on the Iran Nuclear Deal, Bloomberg asked Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, about how this is impacting stock market activity. As markets often fluctuate amid geopolitical tensions, Ernie indicated that today’s announcement was largely in line with expectations.

BMT Wealth Management’s market summary this week reflects on how the April employment report shifted investor sentiment from pessimism to optimism; recaps the recent performance of the equity markets and traces how energy stocks have started to rise at a rate comparable to oil prices; analyzes the statement issued by the FOMC following its meeting last week; and provides an overview of the fixed income market.

SCORE, a nonprofit association comprised of 10,000 volunteers, who help small businesses start up and grow, recently released its Megaphone of Mainstreet Small Business Report looking at Fall 2017 employment. It’s worth noting that SCORE’s work is supported by the United States Small Business Administration (SBA).

No matter how organized and productive you are, there always seems to be one project that’s been conceived – maybe even begun – but remains in some state of incomplete limbo. Wouldn’t it be a relief to finally get that stalled project off your plate and up and running? Where is the project stuck? Why is the project stuck? Knowing the answers to this questions will allow you to see what’s already been accomplished and what still needs to be done.

EY today announced that Bryn Mawr Trust CEO Frank Leto is a finalist for the Entrepreneur Of The Year® 2018 Award in the Greater Philadelphia region. The awards program recognizes entrepreneurs who are excelling in areas such as innovation, financial performance and personal commitment to their businesses and communities. Mr. Leto was selected as a finalist by a panel of independent judges. Award winners will be announced at a special gala event on June 14 at The Kimmel Center for Performing Arts.

A business is strongest when it does only what it does best. No business can be all things to all customers; you’d suffer some sort of identity crisis it you tried. Bending over backwards to provide that which is not your specialty is likely to backfire on you, causing you to disappoint customers instead of please them. That’s why it’s crucial that you determine your niche – the way in which your business best “delivers” the goods and/or services you provide – and strive to provide that to the best of your ability.

Bryn Mawr, Pa., May 1, 2018 – Bryn Mawr Trust (BMT), a subsidiary of Bryn Mawr Bank Corporation (NASDAQ: BMTC), and the parent company to BMT Insurance Advisors, Inc. announced today the acquisition of Domenick & Associates, a full-service insurance agency established in 1993 and headquartered in the Old City section of Philadelphia. Jim Domenick, President of Domenick & Associates, said that “Joining Bryn Mawr Trust and BMT Insurance Advisors is a great opportunity for our organization and, most importantly, our clients. We are focused on client solutions. As part of BMT, we will be able to provide more value and deliver meaningful solutions.”

BMT Wealth Management’s market summary this week examines the recent trajectory of 10-year U.S. Treasury yields and some of the influencers of interest rates; reviews the continued volatility in the domestic and international equity markets; and asks the question, “Is this as good as it gets?”

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg to decipher corporate earnings reports. Ernie explained that in addition to earnings data, he is also monitoring how rising interest rates and geopolitical tensions may impact the markets.

In the United States, about 13 percent of all drivers are uninsured. What recourse do you have in the event of an accident with an uninsured driver? What happens if one causes a serious accident with injuries? BMT Insurance Advisors discusses what’s at risk and why purchasing uninsured and underinsured motorist coverage is an important step toward ensuring that you and your family are protected in the event of an auto accident involving an inadequately insured driver.

In the midst of earnings season, The Wall Street Journal asked Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, how he is analyzing these reports on behalf of clients and what they indicate about the overall health of the market.

BMBC Reports Record Quarterly Earnings of $15.3 Million in First Full Quarter with Royal Bank, Driven by $7.1 Million Increase in Net Interest Income and Strong Noninterest Revenues, Declares $0.22 Dividend BRYN MAWR, Pa., April 19, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”)

As concerns of a flattening yield curve persist, Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Reuters to put things into perspective. Jim pointed to positive economic growth trends as one of the main reasons why he doesn’t believe investors will see a flattening this year.

Unlike your standard web lead, which takes a lot of marketing dollars to get, referrals are a unique kind of new client. Because they’ve heard about you from a trusted friend or relative, half the battle has already been won. They take fewer marketing dollars and less energy to acquire, are more likely to buy from you, and are more likely to remain with you as a client.

The Spring issue of BMT Wealth Management’s Economic & Market Quarterly reflects on the state of economic growth around the world and what we can learn from the Index of Leading Indicators in the United States; the volatility of the equity markets in the first quarter of 2018 and the movement of the S&P 500 Index over the past 15 months; the performance of fixed income markets during the first quarter of the year; and our outlook for the economy and financial markets going forward.

A well-maintained garden is a joy to homeowners as the spring and early summer temperatures lure us out of our homes to enjoy the outdoors. Beautifully maintained lawns, flowers, and trees are also attractive to homebuyers if your property is going on the market this year. During National Lawn & Garden Month, use these tips to turn your backyard into a relaxing retreat where you can unwind, entertain, and enjoy your home.

As we approach the end of tax season, U.S. News & World Report asked Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty office, how investors can lower their tax bills for next year. Paul explained how he helps clients find opportunities to minimize tax liabilities and build wealth.

With the financial markets experiencing a great deal of volatility, CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his views on the situation. Ernie explained that most of the recent volatility has been a function of external issues such as events in Syria and Russia, discussions about trade and tariffs, and revelations about privacy on social media platforms, while the fundamental issues driving stock prices – economic expansion and corporate earnings – have been strong and supportive of equity prices.

Every year, there’s a new crop of gadgetry and smart electronics that affects every part of our lives, from security to health to entertainment. For 2018, homeowners who like to be on the cutting edge of new tech have a lot of time-saving devices to look forward to. For the latest, we looked to the January 2018 CES show in Las Vegas, which showcased cutting-edge devices and upgrades to many appliances and gizmos you have around the house.

BMT Wealth Management’s market summary this week reviews how proposed tariffs and trade-war rhetoric between the United States and China are causing volatility in the equity markets; analyzes the March Non-Farm Payroll report and the past five years of monthly job data, which reflects the strength of the U.S. labor market; and looks at the recent performance of the financial markets here in the United States and abroad.

From discovering your green thumb to getting in touch with your inner artist, April offers up a myriad of ways to take care of yourself — and the planet. Read on to see what else this month has in store! Kick off the month of April by taking steps toward a healthier you … literally! Just in time for World Health Day on April 7, Walk to Work Day is a call to leave the car at home and add some exercise into your morning commute.

In the event your spouse passes away before you, do you have a plan in place to preserve your nest egg? Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty office, explained to Kiplinger’s Retirement Report the importance of adjusting your financial plan to account for the loss of one Social Security benefit.

BMT Wealth Management’s special edition of a market update sets forth some facts surrounding the recent market volatility, looks at how news headlines and earnings reports can affect the markets, highlights BMT’s investment process (including our efforts to reduce exposure to valuation risk), and encourages investors to block out the noise and focus on fundamentals.

Bryn Mawr, Pa., April 2, 2018 – Bryn Mawr Trust (“BMT”), wholly owned by Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), announced today that their insurance and risk management subsidiary Powers Craft Parker & Beard, Inc. (“Powers Craft”) is now BMT Insurance Advisors (“BMTIA”). Edward F. Lee, CPCU® will continue as President of BMTIA.

BMT Wealth Management’s market summary this week discusses market volatility, consumer confidence, the markets’ performance during the quarter that just ended, and what it all means for investors.

CNBC.com sought expert insight from Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, on the financial consequences associated with having your adult children move back home after graduating from college. Jen explained how to maintain your nest egg and ensure you’re on track for retirement, while lending the necessary assistance to your children.

Bryn Mawr Trust Chief Investment Officer Ernie Cecilia recently joined veteran finance journalist Chuck Jaffe on the MoneyLife Show podcast. Ernie discussed BMT’s investment methodology and where the firm sees opportunity for investors in the coming months.

Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty office, spoke to U.S. News & World Report about the scenarios that should prompt investors to revisit their wills. Paul suggested that significant life events and changes to the tax laws are two catalysts that may require updates to inheritance documents.

As tech stocks plunged this week, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, to discuss what’s driving the selloff. Ernie indicated that disruptions in the businesses of expensively valued stocks, such as selected social media issues, can reduce investor confidence and lead to an increase in volatility.

BMT Wealth Management’s market summary this week reviews key announcements and economic highlights from the past week, including heightened levels of market volatility and an increase in the national average for 30-year fixed-rate home mortgages in the United States, and analyzes the recent performance of the financial markets domestically and abroad.

Bloomberg called upon Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his take on how markets reacted to the appointment of John Bolton as President Trump’s new National Security Advisor. Ernie explained that the market’s perception is that the appointment of Mr. Bolton could eventually be a positive for defense stocks, given Bolton’s hawkish approach in handling negotiations with other countries.

BMT Wealth Management’s market summary this week examines the effects the Trump administration’s recently announced tariffs on certain imported steel and aluminum are having on the U.S. stock market; provides a history of the Fed’s actions with regard to the targeted Federal Funds rate over the past ten years; and reviews the recent performance of domestic and international stock markets, as well as the bond market.

FOR IMMEDIATE DISTRIBUTION   Bryn Mawr, Pa., March 16 , 2018 – Bryn Mawr Trust (“BMT”), announced today that they have added a Health Savings Account (“HSA”) solution to their suite of deposit accounts. HSAs, available to customers enrolled in high-deductible health plans, can be funded with pre-tax dollars and used to pay for qualified

BMT Wealth Management’s market summary this week looks at the employment data contained in the February Non-Farm Payroll report that was released on Friday, the stock market’s reaction to that data, the recent performance of the equity and fixed income markets, and whether bond yields are on the brink of breaking out of a long-term downward trend.

Are you embarking on a construction project? You might consider getting a builders risk policy, a type of property insurance designed specifically for construction projects. It indemnifies against damage to buildings while they are under development, renovation, or construction. Since construction projects vary and no project is ever the same, there are several coverages, terms, and conditions to consider when structuring builders risk policies.

BMT announced the creation of the BMT Multicultural Advisory Board, a first-of-its-kind initiative among Pennsylvania-based financial institutions. The advisory board is chaired by Miguel Alban, Vice President of Multicultural Banking at BMT.

To help put the recent market correction into perspective, Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about how current activity compares to that of previous years. He underscored the point that the breadth of the retracement in price from the recent market lows of Feb. 8 has been narrow and not broad-based, and he cautioned against assuming that this round of volatility has ended.

BMT Wealth Management’s market summary this week reviews where we are in the current market correction, provides our thoughts about what is underlying the correction, and offers our views on near-term economic growth and corporate profitability.

BMT Wealth Management’s market summary this week discusses the possible reasons behind the sharp pullback in equity markets over the past couple of weeks and the significant decline in market volatility last week, and analyzes the returns across economic sectors over the recent bout of market volatility.

CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his thoughts on the top-performing sectors in today’s market. Ernie pointed to financials and banks as potentially attractive areas for investors in light of rising interest rates and strong earnings data.

As market activity continues to fluctuate, CNBC.com asked Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, what investors can expect next. Ernie explained he’s monitoring rising interest rates and inflation as key factors that could influence future market movements.

Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with U.S. News & World Report about how the bond market fared in light of recent stock market activity. Jim reminded investors that it’s important for investors to maintain diversified portfolios to manage risk during periods of elevated financial market volatility.

BMT Wealth Management’s market summary this week addresses the recent volatility in the equity markets, the strength of the U.S. economy (but with a caution about the level of consumer debt), and the recent performance of the financial and oil markets.

Barron’s asked Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, about the recent interruption to the long-running bull market. Ernie explained that the direction of monetary policy…

In light of recent market swings, Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg to explain how investors should position their portfolios.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with The Associated Press about the current state of the markets and potential triggers behind the recent pullback. Ernie suggested that the current market sell-off is being prompted by positive news of a strengthening economy and the likelihood of rising interest rates, and is not like the issues investors faced in 2008.

BMT Wealth Management’s market summary this week explains how statistics in the Labor Department’s recently released employment report are affecting the markets, how the increase in average hourly earnings is stoking fears that inflation could be headed higher, and how the bond market is reacting to the likelihood of higher inflation.

In light of recent market turmoil, Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with MarketWatch to discuss the impact of volatility on Treasury yields. Jim pointed out that he’s watching the Federal Reserve to see if this environment will impact its decisions on rate hikes in the near future.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about how current market activity is impacting investor portfolios. Despite minor fluctuations in bond and equity markets, Ernie explained the importance of remaining diversified across various asset classes in a long-term investment strategy. To read the article, you may access Bloomberg’s website

U.S. News & World Report turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for expert insight on what rising inflation means for income investors. With inflation still relatively low, Jim explained how investors can prepare their fixed income investments now for when inflation does rise. To read the article, you may

The Wall Street Journal sought expert insight from Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, on current bond market activity. Jim explained how he’s evaluating Treasury yields on behalf of clients in a rising rate environment. To read the article, you may access The Wall Street Journal’s website

After the first Federal Reserve meeting of 2018, CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his take on how the Fed’s statement impacted market activity. Ernie also explained that he’s keeping an eye on inflation data, as it’s one of the key factors the Fed examines when determining to raise interest rates.

BRYN MAWR, Pa., January 29, 2018 – H.R. 1, originally known as the “Tax Cuts and Jobs Act” (“Tax Reform”), signed into law on December 22, 2017, reduced the top federal corporate income tax rate from 35% to 21%. As a result, Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr

BMT Wealth Management’s market summary this week provides a recap of the global equity markets’ continued upward march, and digs deep into what a weak U.S. dollar means.

Lisa Piergallini, Senior Vice President and Wealth Advisor at Bryn Mawr Trust, spoke with U.S. News & World Report about how she helps clients calculate their net worth. Lisa underscored the importance of diversifying the assets that make up net worth, as not all assets can be easily converted to cash in the event of an emergency.

BRYN MAWR, Pa., January 24, 2018 (GLOBE NEWSWIRE) — Bryn Mawr Bank Corporation (NASDAQ: BMTC) (“BMBC”), parent of The Bryn Mawr Trust Company (”BMT”), today announced the appointment of Diego F. Calderin as a director of BMBC and BMT, effective January 18, 2018. “Diego is an inspirational entrepreneur,” said Frank Leto, President and Chief Executive

We all have treasured personal belongings. Some may be extremely valuable, others may only have sentimental value. The most recent newsletter of Powers Craft Parker & Beard, Inc., an insurance brokerage division of Bryn Mawr Trust, discusses why a valuable items insurance policy is a good investment to protect what you treasure most.

The Winter issue of BMT Wealth Management’s Economic & Market Quarterly reviews recent Real GDP growth domestically and abroad; explains how the recently enacted Tax Cut and Jobs Act is anticipated to have a positive impact on consumer spending and thus Real GDP; looks at equity markets around the globe and how they performed in 2017

BMT Wealth Management’s market summary this week provides an overview of global economic growth, reviewing statistics in the most recent Non-Farm Payroll report and trends in U.S. auto sales, and examines the recent performance of global equity markets and fixed income markets.

In light of the Federal Reserve’s interest rate hike this past December, Investor’s Business Daily turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his thoughts on how rising rates impact fixed income markets. Jim pointed to inflation as a key factor that may impact the pace of future interest rate increases.

Bryn Mawr, Pa., January 3, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (“BMT”), announced today the appointment of Miguel Alban as Vice President of their multicultural banking initiative. Effective January 2, 2018, Mr. Alban will report directly to Anthony Poluch, the bank’s CRA Officer, under

Bryn Mawr, Pa., January 2, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the appointment of Jennifer Dempsey Fox as President of BMT’s Wealth Management Division effective December 15, 2017. Ms. Fox will report directly to Chief Executive Officer, Frank Leto. “Jennifer is

BMT Wealth Management’s market summary this week analyzes how consumer spending and an improving housing market are supporting U.S. economic growth, and reviews the performance of the equity and fixed income markets for the last week of 2017.

The Tax Cuts and Jobs Act (TCJA), which will become effective Jan. 1, 2018, is the most sweeping reform since 1986 for both individual and corporate taxpayers. BMT Wealth Management’s tax alert highlights the provisions of the legislation that will impact most, if not all, individual taxpayers in some fashion.

The cost of workers compensation coverage can be one of the most controllable aspects of an employer’s overall insurance program. The most recent newsletter of Powers Craft Parker & Beard, Inc., an insurance brokerage division of Bryn Mawr Trust, discusses practical ways employers can contain costs while providing wage loss and medical benefits to employees injured as a result of work-related incidents.

Bryn Mawr, Pa., December 15, 2017 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the expansion of their management team and appoints Kevin Tylus as President of BMT’s Banking Division effective December 15, 2017.  Mr. Tylus was also appointed to the Board of Directors