Tarrytown, NY Office

Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high‑net‑worth clients, business owners, trusts, and corporate and retirement plan sponsors. The firm reports approximately $507 million in discretionary client assets and also offers retirement‑plan consulting and related services.

The firm tailors wealth‑management engagements to clients’ objectives, typically allocating across mutual funds and ETFs while also accommodating fee‑based annuities, variable life policies, private placements and other alternative investments; Instrumental Wealth may use sub‑advisers to manage portions of client accounts. It emphasizes integrated planning for business owners—coordinating tax, legal, insurance and employee‑benefit considerations—and conducts ongoing, discretionary portfolio monitoring.

Instrumental Wealth’s brochure discloses several features that are less common among comparable team firms: it is a licensed insurance agency and its supervised persons sell commissionable insurance products and write fee‑based annuities through a third‑party broker‑dealer, and it advises on digital assets and privately placed securities. The firm also states that it uses endorsements, client testimonials and advertises third‑party ratings in its marketing, practices that it notes are atypical for firms in this category.