Westchester Wealth Management

Westchester Wealth Management serves individual investors (both non‑high‑net‑worth and high‑net‑worth), pension and profit‑sharing plans, and corporations. The firm provides discretionary model portfolio management, a Manager‑of‑Managers program that selects third‑party advisers, comprehensive financial planning, pension consulting for employer‑sponsored retirement plans, and insurance brokerage services, and it offers educational seminars and workshops to the public and organizations.

The firm’s investment approach centers on a proprietary Model Portfolio Series using a multi‑bucket methodology that prioritizes capital preservation and proactive risk management before seeking long‑term growth; portfolios are implemented mainly with ETFs and mutual funds and may include annuities, and are managed to clients’ investment policy statements and tax considerations. Westchester Wealth Management also conducts manager searches and places clients with selected third‑party managers when appropriate, and it provides written financial plans while offering both hourly and negotiable fixed‑fee compensation options.

Noteworthy features for a firm of this type include the principal’s licensed insurance brokerage activity—disclosed as generating commission compensation and consuming part of the principal’s monthly time—which creates potential conflicts the firm discloses and addresses in its policies. The combination of public educational programming, ERISA‑focused pension consulting, selection and referral to other advisers, and the availability of hourly and fixed planning fees distinguishes the firm from many peers, and the brochure also notes the firm does not act as a private fund adviser.