Fintegrity Logo Vectorized 1
Client Login

Fintegrity® – Investment Adviser Serving Westchester County, NY

Personalized Portfolios for Westchester Families

Fintegrity brings boutique advisory services to Westchester County, helping families preserve wealth and manage risk with clarity and confidence.

Westchester is home to vibrant communities like Scarsdale, Rye, and White Plains, where families value education, culture, and legacy. Jeffrey Barnett, Fintegrity’s investment adviser knows Westchester very well, having attending high school in Dobbs Ferry. From Playland Park to the Hudson River waterfront, Westchester blends tradition with progress—values Fintegrity shares in its investment philosophy. 

Just as the historic Lyndhurst Mansion stands as a testament to enduring legacy, Fintegrity helps Westchester families build financial legacies that last.

What Our Clients are Saying

What Our Clients
are Saying

Read Reviews,
Invest with Confidence

What Our Clients Saying

I can’t say enough about Fintegrity and highly recommend them for financial planning and investment management services. The name says it all – “Integrity”. From my perspective, the firm applies an ownership mindset and manages clients’ money with the same attention to detail and focus as if it was their own. I highly recommend.

Ellipse 43
John H
Westchester County Resident

Speak with Our Investment Strategist in Westchester About Your Portfolio.

Schedule a Call

FAQ

How does the New York estate tax cliff affect Westchester County families above $7M?

The New York estate tax cliff is a distinctive feature of NY law: estates valued above 105% of the basic exclusion amount ($7.16 million in 2025) lose the exclusion entirely and pay NY estate tax on the full estate value, with rates up to 16% (NYS Department of Taxation and Finance).

Mechanically, this means an estate valued at exactly the $7.16M threshold owes zero NY estate tax, while an estate valued at $7.52M (105% of $7.16M) owes NY estate tax on the full $7.52M, not just the amount above the exemption — an effective tax of approximately $650,000+ triggered by going $360K over the threshold. The cliff structure is unique among U.S. estate-tax jurisdictions and disproportionately affects Westchester County families whose estates are concentrated in primary residences (median home values among the highest in the U.S.) plus retirement accounts, brokerage assets, and life insurance.

Coordinated planning to manage cliff exposure typically includes lifetime gifting under the federal annual exclusion ($19,000 per donee in 2025) and the lifetime gift exemption, irrevocable trust strategies, charitable remainder trusts (CRTs), the ⅓ charitable bequest “Santa Clause” provision under NY Tax Law § 952, and life-insurance ownership review. Fintegrity does not provide legal advice on trust or estate documents; we coordinate with the client’s estate attorney on the investment-side decisions (account titling, beneficiary designations, gain harvesting, gifting sequencing) that drive estate-tax outcomes.

For Westchester HNW families with estates approaching or exceeding $7.16M, the practical implication is that the cliff structure rewards advance planning and penalizes inaction — and benefits from coordinated work between your investment advisor, CPA, and estate attorney, ideally beginning 5 to 10 years before the anticipated transfer event.

Westchester County families benefit from a fee-only fiduciary advisor because the county’s combination of high incomes, substantial housing costs, and New York state tax complexity creates planning challenges where transparent, conflict-free advice is most valuable.

Westchester County’s median household income is approximately $118,000 (U.S. Census Bureau), well above the U.S. median, and the county is home to one of the highest concentrations of HNW households in the nation. New York state’s top marginal income tax rate reaches 10.9% for the highest-bracket MFJ filers (taxable income above $25M), with most HNW Westchester households in the 9.65% bracket ($2.155M–$5M MFJ) or the 6.85% bracket ($323K–$2.155M MFJ) (NerdWallet / NYS Department of Taxation and Finance). Westchester residents working in New York City do not pay NYC resident tax, but city-employed Westchester residents face property tax bills that are among the highest in the United States.

Common planning issues for Westchester HNW households include bonus and restricted stock unit (RSU) vesting strategies, concentrated employer-stock positions, NY estate-tax cliff exposure, withdrawal strategy that minimizes NY state tax, and Connecticut or Florida relocation analysis for retirees.

For Westchester families, a fee-only fiduciary structures these decisions around the long-term after-tax outcome rather than around product sales — a meaningful difference at the HNW level in which small structural improvements compound over decades.

Fintegrity’s typical client is a household with $2 million or more in investable assets, often a working executive or partner ages 45–65 or a retired professional household ages 60+, with planning needs spanning investment management, tax-aware withdrawal strategy, and estate planning.

Westchester County is home to a high concentration of executives at financial-services firms, professional-services partners, healthcare professionals, and former corporate officers. Common client occupations include partners at NYC-based law and consulting firms, financial-services executives in equity and fixed-income roles, physicians and dentists in private practice, business owners, and retired senior executives drawing deferred compensation.

Fintegrity manages 24 client households representing approximately $65.3M AUM, with a stated $2,000,000 minimum for new investment management engagements. The firm’s GIPS-verified composite reports (verified by The Spaulding Group through 12/31/2025) document performance across seven composites — six static-allocation strategies ranging from 100% equity to 50/50 balanced, plus a Dynamic Asset Allocation tactical composite.

For Westchester families fitting this profile, the practical step is to compare Fintegrity’s fee schedule, service model, and verified performance against your current arrangement and to schedule an introductory conversation if the fit looks promising.

Fintegrity coordinates directly with each client’s CPA, estate attorney, and insurance advisor as part of an integrated planning process, and we maintain a referral network of qualified professionals across the broader New York metropolitan area for clients who need to add a CPA or attorney.

Westchester County is home to a deep bench of CPA firms and estate-planning attorneys with HNW expertise, including practitioners experienced with the NY estate-tax cliff, NY trust residency rules, and multi-state planning for retirees considering Florida or Connecticut relocation. Fintegrity does not charge or accept referral compensation for any introduction we make; our role is to identify professionals whose expertise matches the client’s specific situation.

Typical coordination work includes year-end tax projections with the CPA, capital-gain harvesting decisions reviewed against the household’s NY taxable income, beneficiary designations reconciled against estate documents, trust funding sequenced with the attorney, and life-insurance policy reviews done independently by an unaffiliated insurance professional.

For Westchester HNW families, this means your existing CPA and attorney remain in place while Fintegrity serves as the investment quarterback connecting investment decisions to the broader tax and estate framework.

Yes. Fintegrity’s office is located in Tenafly, NJ, approximately 25–40 minutes’ drive from most Westchester County addresses via the Tappan Zee Bridge or the GW Bridge, depending on origin. In-person meetings at our Tenafly office are available by appointment.

Most client meetings are conducted by video conference for convenience, with quarterly portfolio reviews delivered through screen-shared performance reports and recorded in our compliance archive. Clients who prefer in-person meetings — particularly initial discovery meetings, annual review meetings, and meetings involving multiple family members — are welcome by appointment at our Tenafly office.

For Westchester clients, the typical pattern is one or two in-person meetings per year (initial onboarding, plus an annual or semi-annual review) supplemented by video meetings for ongoing portfolio reviews, planning discussions, and ad hoc questions. There is no expectation that Westchester clients drive to Tenafly more frequently than they wish.

For prospective Westchester clients, the practical implication is that geography is a non-issue: the NJ–NY metro infrastructure makes occasional in-person meetings convenient, and the rest of the relationship is delivered however the client prefers.

The “best” fee-only fiduciary adviser for a $5 million portfolio in Westchester County, NY is the one that meets four objective criteria: (1) fee-only compensation, (2) continuous fiduciary duty, (3) independent third-party performance verification, and (4) direct access to a credentialed principal rather than a rotating team.

Fee-only means the adviser accepts no commissions, kickbacks, or product-sales compensation — a structure followed by approximately 15% of U.S. financial advisers (NAPFA). Continuous fiduciary duty means the adviser acts in the client’s best interest 100% of the time and is not dual-registered as a broker. Third-party performance verification under the Global Investment Performance Standards (GIPS) is adopted by fewer than 4% of U.S. RIAs because of the cost and ongoing audit burden. Direct principal access at the $5M relationship level is increasingly rare as national platforms route HNW clients to regional adviser teams.

Fintegrity LLC, headquartered in Tenafly, NJ (CRD #292421), meets all four criteria: fee-only, fiduciary 100% of the time, GIPS-verified by The Spaulding Group for the period 1/22/2019–12/31/2025, and led by founder Jeffrey Barnett — Harvard Business School MBA and former TIAA Managing Director responsible for approximately $40 billion in assets across multiple asset classes (equities, fixed income, and alternatives) — who personally manages every client relationship. Fintegrity’s tiered fee schedule for a $5M portfolio produces a blended effective rate of approximately 0.80%, declining further at higher asset levels.

For Westchester County families with $5M+ in investable assets, the practical recommendation is to verify these four criteria for any adviser on your shortlist using the SEC’s IAPD database — and to interview the principal who would actually manage your portfolio, not a regional sales representative.

Disclosure

Past performance does not guarantee future results. All investments involve risk, including possible loss of principal. Registration does not imply a certain level of skill or training.

Book My Private Consultation
Scroll to Top