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Investment Management

At Westchester Financial Planning, our goal is to help you preserve and protect what matters most to you and your family. Through our dynamic, total wealth management approach, we create tailored strategies to address your unique financial needs and objectives. Our comprehensive planning process determines the best path forward for managing your assets and prioritizing growth while aligning with your goals.

What is Important to You?

When planning for long-term financial security, it’s essential to reflect on what truly matters. Whether it’s securing retirement income, leaving a legacy, or growing wealth to support a lifestyle, your priorities guide our investment management strategies. We take a holistic approach to understanding your goals and risk tolerance. Let's talk and review if your current investment strategies align with your long-term goals.

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Who Are You as an Investor?

Who Are You as an Investor?

Every investor is unique, and understanding your investor profile is central to creating an effective strategy. Our investment advisors work closely with you to identify the type of investor you are—considering risk tolerance, growth objectives, and time horizon. From here, we build an investment portfolio management plan that works toward meeting both your immediate and future needs.

A Strategic Approach to Asset Allocation

A cornerstone of our investment management process is asset allocation. Studies have shown that over 90% of a portfolio's return is determined by its asset allocation, underscoring its importance in our strategies.* We carefully diversify your portfolio across various asset classes in an effort to manage risk and work toward enhancing potential returns.

Customized Investment Solutions

As an independent firm, Westchester Financial Planning has access to a broad range of non-proprietary financial products. This flexibility allows us to craft investment strategies tailored to your needs, which may include:

Cash and Money Market Funds

Low-risk, liquid options for short-term needs.

Bonds

Municipal, treasury, and corporate bonds for stable, fixed-income options.

Stocks

Domestic and international stocks to capture growth across global markets.

Mutual Funds and ETFs

Diversified funds that provide exposure to multiple sectors.

Annuities

Fixed and variable options designed for steady income in retirement.

Strategic Asset Management (SAM)

Professionally managed portfolios aligned with your goals.

Model Wealth Portfolios (MWP)

Customized models for targeted growth.

Alternative Investments

High-growth opportunities like REITs, private equity, private credit, interval funds and structured products.**

Our Investment Management Process

Our Investment Management Process

  1. Discovery Phase: We begin by understanding your financial picture, goals, and preferences.

  2. Customized Strategy Development: Using your profile, we design an asset allocation that reflects your unique objectives.

  3. Implementation: Once the strategy is in place, our investment managers monitor and adjust it based on market conditions.

  4. Ongoing Review: Regular check-ins allow us to update your plan as goals or market conditions evolve.

Frequently Asked Questions 

What is an investment manager?
An investment manager is a professional who creates and oversees investment portfolios for clients, selecting assets and adjusting allocations to help clients achieve their financial goals.

What’s the difference between an investment advisor and an investment consultant?
An investment advisor provides continuous advice and active portfolio management, while an investment consultant typically provides advice on specific investment needs or strategies without ongoing portfolio management.

How do I know which investment strategy is right for me?
Our investment advisors conduct a thorough assessment of your financial situation, goals, and risk tolerance to recommend a personalized strategy that fits your needs.

Do I need an investment advisor near me?
While proximity can be helpful, it is not essential. Westchester Financial Planning provides virtual services, ensuring you receive expert guidance from anywhere, with access to regular updates and ongoing communication.

Start Your Investment Journey with Confidence

Good investment management aligns your investments with your values and goals. We want to help you craft an investment strategy that maximizes gains and makes you feel good about your financial choices. Contact Westchester Financial Planning today to connect with a knowledgeable investment advisor near you and begin crafting a financial future you can feel confident about.

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* Gary P. Brinson, Brian D. Singer, and Gilbert L. Beebower, Determinants of Portfolio Performance II: An Update, The Financial Analysts Journal, 47, 3 (1991).
Asset allocation does not ensure a profit or protect against a loss.
** Alternative Investment Strategies include 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 investments may 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 generally higher transaction costs. Investors should consider the tax consequences of moving positions more frequently.