West Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
West Financial Planning serves primarily families and individual clients in the accumulation and distribution phases of life and, on occasion, provides employee-benefit planning for small businesses. The firm centers client relationships on a written comprehensive financial plan and provides ongoing monitoring and investment management tied to that plan.
The firm’s investment approach is grounded in Modern Portfolio Theory, with an emphasis on strategic asset allocation implemented largely through passively managed exchange-traded funds, diversification and periodic rebalancing with quarterly reviews. West Financial Planning does not accept discretionary trading authority; investment recommendations are implemented on a non‑discretionary basis and trades are typically executed following client meetings.
Noteworthy aspects include that, as of December 31, 2025, the firm reports $4.5 million managed entirely on a non‑discretionary basis with no assets managed on a discretionary basis, a structure that is uncommon among peers. The firm also advises on a broader set of instruments than many similar solo advisors — including variable annuities, permanent life insurance, rental property and certain illiquid REITs — and schedules reviews on individual client anniversaries, which contributes to infrequent, client-directed trading and no trade aggregation.
Client services
Expertise
Fee options
1.2% annually
Fee-only: Annual fee of 1.2% of market value of all managed investable assets
Main office
Cherry Valley NY
Advisors at this office
1
Most active in
New York
Also doing business as
West Financial Planning · West, Daniel, Ray
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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