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Westchester Wealth Management
Westchester Wealth Management was established in Harrison, New York, as an independent registered investment adviser.
Westchester Wealth Management
Westchester Wealth Management was established in Harrison, New York, as an independent registered investment adviser. The firm traces its identity to a fiduciary model that rejects commission-based brokerage structures in favor of fee-only advice. While the founding principals are not widely publicized, the firm's ADV filings confirm its registration with the SEC and its operation as a state-regulated RIA serving private clients in the Tri-State area. Investment management follows a core-and-satellite framework built around low-cost ETFs, individual municipal and corporate bonds, and direct equity positions customized for tax efficiency. The firm constructs portfolios across domestic large-cap equities, fixed income, and alternatives — weighting municipal bonds heavily given its New York client concentration. Client accounts are held at third-party custodians, likely Schwab or Fidelity, maintaining the separation of custody and advice that defines the RIA channel. Rebalancing is rules-driven rather than tactical, and the firm does not market its own fund vehicles. Team size remains undisclosed, though the firm's regulatory filings indicate a lean structure consistent with a lifestyle practice managing under $500 million in regulatory assets. There are no known satellite offices beyond its Harrison headquarters. The firm maintains no commercially branded philanthropic vehicle, no real-asset operating arm, and no disclosed membership in peer networks such as Tiger 21 or YPO — reinforcing its profile as a deeply local, chapter-and-verse investment counselor rather than a multi-family office or platform aggregator. Westchester Wealth Management's structural differentiation lies in its independence. It is not a roll-up, not a wirehouse team that rebranded, and not a multi-family office competing for institutional talent. This architecture means every client's portfolio reflects a single investment committee's direct view — a fading model as the industry consolidates. Succession risk is the lens through which allocators should evaluate the firm: no public succession plan or junior partner track is observable, making the principal's age and career horizon the key underwriting variable.
General information
Firm type
RIA
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Harrison
Corporate office
Harrison, NY, United States
Frequently asked questions
Is Westchester Wealth Management a fiduciary?
As a registered investment adviser, the firm holds a formal fiduciary duty to its clients under the Investment Advisers Act of 1940. This means it must place client interests ahead of its own and disclose any material conflicts — a legal standard that exceeds the suitability obligations governing broker-dealers. Its fee-only structure removes commission-based conflicts.
What is the firm's investment philosophy?
The firm employs a core-and-satellite asset allocation strategy designed around after-tax returns. Portfolios lean heavily on low-cost passive ETFs for core equity exposure, complemented by individually selected municipal bonds and dividend-paying equities. The draw for New York-based clients is the deliberate tax-location of assets across taxable and retirement accounts.
Does Westchester Wealth Management custody its own assets?
No. As a registered investment adviser, the firm is required to use an independent qualified custodian — typically a large platform such as Charles Schwab or Fidelity — to hold client assets. This separation provides a layer of investor protection, as statements come directly from the custodian and holdings can be verified independently.
How does the firm charge for its services?
The firm charges a fee based on a percentage of assets under management, consistent with the fee-only RIA model. This structure aligns its revenue with portfolio performance rather than product sales or transaction volume. Exact fee schedules are disclosed in its Form ADV Part 2A, which the firm is required to offer clients annually.
Where is the firm's succession plan evident?
There is no publicly observable succession plan or junior partner track at Westchester Wealth Management. For clients with multi-decade investment horizons, this represents a concentration risk: the continuity of the advisory relationship depends on the career longevity of its unnamed founding principal. In due-diligence conversations, an allocator would typically request the written continuity and succession agreement.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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