West Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$4,500,000
Total clients
25
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
25
Average account size
$180,000
About
West Financial Planning is an independent, fee-only advisory that serves individuals and families in both accumulation and distribution phases and, occasionally, small businesses for employee-benefit planning. The firm centers its services on producing a written comprehensive financial plan and providing ongoing monitoring and portfolio management tied to that plan.
Investment implementation is grounded in Modern Portfolio Theory with an emphasis on asset allocation, diversified passive exchange-traded funds, and periodic rebalancing; accounts are reviewed at least quarterly. Notably, the ADV reports roughly $4.5 million managed on a non‑discretionary basis and the firm does not accept discretionary trading authority, so trade execution typically follows client consent after scheduled reviews — a practice that is uncommon among independent advisers.
Distinctive operational details include meeting-driven, infrequent trading that the firm says makes aggregation impractical, concise quarterly reporting that compares performance to the S&P 500, and a stated policy not to vote client proxies or accept third‑party referral compensation. The firm also makes two custodial recommendations (while allowing client choice), maintains a written Code of Ethics, and structures relationships around an initial planning engagement followed by an annual retainer for ongoing advice.
Client services
Financial planning
Portfolio management
Fee options
Initial Engagement Retainer and Annual Open Retainer fees each calculated as 1% of market value of investable assets annually
1% annually of all investable assets (flat rate, no tiers)
Fee-only: Fee-only advisory, no commissions or third-party compensation
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
Main office location
West Financial Planning
Cherry Valley NY, United States
Number of offices
1
Forms ADV
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