Wealth Management

Investment Management

Our goal is to help you preserve and protect what is most important to you and your family. We employ our dynamic total wealth management approach to address your unique financial needs and objectives. Through our comprehensive planning process, we seek to determine the optimal approach to managing your assets.

A focus on asset allocation

A key area we consider when developing investment management strategies to optimize your current or future retirement portfolio is asset allocation. That’s because asset allocation is considered a primary factor in driving investment returns. In fact, studies conducted over the past 30 years have found that just over 90% of a portfolio’s return is a result of its overall asset allocation.1

As an independent investment services firm, Westchester Financial Planning has access to a full array of non-proprietary financial products and services as we work with you to help ensure your assets are strategically allocated, diversified and managed. We seek to create investment strategies tailored to your needs that may include:

  • Cash and money market funds
  • Municipal, treasury and corporate bonds
  • Domestic and international stocks
  • Mutual funds
  • Exchange Traded Funds (ETFs)
  • Fixed and variable annuities
  • Strategic Asset Management (SAM)
  • Model Wealth Portfolios (MWP)
  • Alternative investments2

1 Gary P. Brinson, Brian D. Singer, and Gilbert L. Beebower, Determinants of Portfolio Performance II: An Update, The Financial Analysts Journal, 47, 3 (1991).

2 Alternative Investment Strategies include fund of hedge fund strategies, managed futures vehicles, structured products, equipment leasing partnerships, real estate investment trusts (REITs) and oil and gas partnerships.

Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor's portfolio.  The  strategies employed in the management of alternative investmentsmay accelerate the velocity of potential loss.  No strategy ensures a profit or protects against loss. Investing involves risk including possible loss of principal. Tactical allocation may involve more frequent buying and selling of assets and will tend to general higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.