Samalin Wealth | Curated Wealth Management | Financial Planning

Too often, income goes straight to obligations—taxes, bills, and expenses—leaving your own future underfunded. While those obligations will always be there, true wealth is built when you put yourself first.

Our Pay Yourself First approach helps you balance what must be paid today with what should be invested for tomorrow. Through disciplined savings, smart tax strategies, and tailored investment planning, we guide you in turning today’s earnings into long-term security.

As fiduciaries, we ensure every decision is aligned with your goals, giving you clarity, control, and confidence that your money is working for you—and not just for everyone else.

1. 2025 RIA Ranking Asset Category: $250 Million to <$500 Million as of December 31, 2023. To be eligible for the ranking, firms must be independent registered investment advisors, file their own ADV statement with the SEC, and provide financial planning and related services to individual clients. The award shown does not represent an evaluation of the quality of service provided to clients or their experience with our firm. No payment was required to participate in the survey. Samalin Wealth may elect to purchase promotional materials from the rating providers but is not required to do so.

2. Published June 12, 2025. The ranking is based on three categories: 1) scale of the business, including assets under management, profitability, average account size, and the ratio of team members to client households; 2) growth of practice as measured by year-over-year increases in client households, assets, and profits.; and 3) professionalism which evaluates an advisor’s regulatory record, certifications, years of service, and community involvement. The award shown does not represent an evaluation of the quality of service provided to clients or their experience with our firm. No payment was required to participate in the survey. Samalin Wealth may elect to purchase promotional materials from the rating providers but is not required to do so.

3. Published April 22, 2025. To be recognized as one of USA TODAY’s Best Financial Advisory Firms the following requirements had to be met: 1. The firm is registered as an RIA firm with the SEC or at state level for at least one year; 2. The firm has a principal office in the United States; 3. The firm has a clean disciplinary record; 4. The firm offers financial planning services or portfolio management for individuals and/or small businesses; 5. The firm’s AUM must be greater than $500,000; and 6. The firm achieved an overall score among the top 500. Samalin Wealth may elect to purchase promotional materials from the rating providers but is not required to do so.

4. This award was issued on July 1, 2025 by Five Star Professional for the time period 9/18/2024 through 2/28/2025. The award is based on 10 objective criteria. Eligibility criteria required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as an RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony);4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria considered: 6. One-year client retention rate; 7. Fiveyear client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. The award shown does not represent an evaluation of the quality of service provided to clients or their experience with our firm. No payment was required to participate in the survey. Samalin Wealth may elect to purchase promotional materials from the rating providers but is not required to do so.

I want to feel confident about my investments.

Samalin Wealth’s curated wealth management is designed to elevate your financial potential. We will give you a 360-degree view of your investments and develop a customized investment strategy to keep your finances aligned with your goals. We integrate most assets into the planning process, even those managed elsewhere.

I want my wealth manager to be accessible and give my financial planning the attention deserved.

You will not be just a number at Samalin Wealth. Our client-centric and multi-disciplinary financial professionals will work closely with you and get to know you and your finances--not just today, but years into the future.

I want to feel comfortable with the amount of risk taken with my investments.

After assessing your risk preferences, we will create a target asset allocation model that will be used as a baseline for comparing your actual asset allocation at the household or account level.

I want to work with a wealth manager whose fees are fair and who doesn't take commissions.

As fee-only fiduciaries, our loyalty is to you, the client. We work without the influence of agendas that commissionable brokers could factor into their financial planning process. Samalin Wealth is fully transparent in its pricing.

I want my assets to be protected.

As an independent investment advisor, Samalin Wealth uses Fidelity Investments as the custodian for our clients. Your account will be insured by SIPC and Fidelity up to the value of the account. There is no per customer limit on coverage of securities.

I want my account to be secure.

Fidelity, the custodian for our clients, deploys formidable controls and extensive risk management programs aligned to the cybersecurity framework established by the National Institute of Standards and Technology (NIST).

What makes Samalin Wealth different from other advisory firms?

Samalin Wealth is an SEC-registered investment advisory firm dedicated to helping clients build, protect, and sustain wealth through a high-touch and client-first approach. At the core of the firm’s philosophy is the belief that clients need more than a financial plan—they need a comprehensive, coordinated approach to wealth management that integrates financial planning, investment strategy, tax planning, and long-term decision-making into one cohesive framework. We bake these into our core methodologies, like Pay Yourself First and our Bridge Process.

Independent by design, the firm operates as a fiduciary and is free from corporate influence, allowing advice to remain fully aligned with each client’s best interests.

Is Samalin Wealth one of the top wealth management firms in New York’s Westchester County?

Samalin Wealth is recognized as a trusted wealth management firm serving individuals and families in Westchester County. Our reputation for deep financial expertise and long-term client relationships has made us a go-to choice for high-net-worth financial planning and investment management in Westchester County and the broader Hudson Valley and New York City Metro area.

Do you work with clients outside of New York?

Yes. While Samalin Wealth’s main office is based in New York, we also have experienced financial advisors who are based in Philadelphia, PA, and Dallas, TX. Our combined clientele list spans the entire United States.

When should I start working with a financial advisor?

The best time is today. Often, people wait until their financial life becomes more complex. However, you want to start as soon as possible. Whether optimizing your finances, preparing for retirement, receiving significant equity compensation, or managing generational wealth—the sooner you start, the more time your wealth has to accumulate.

We can help you build a multi-faceted strategy, across investing, taxes, retirement, and estate planning, so every element of your financial journey is covered.

Who do you work with?

We work with a wide variety of clients including: individuals, families, attorneys, professionals, business owners. Whether you’re navigating tax-efficient wealth building or exploring how and when to retire, our team works to understand your unique financial challenges.

Do you provide financial planning for high-net-worth individuals?

Yes. Samalin Wealth specializes in providing financial planning tailored to high-net-worth individuals and their families. What sets us apart is that we understand the nuances that emerge in advanced investment management—the subtleties of retirement planning, tax strategy, and risk management for high-net worth individuals.

Clients choose Samalin Wealth for a highly strategic approach designed to protect and grow wealth over the long term.

Do you advise multi-generational families?

Yes. Samalin Wealth works with multi-generational families to create coordinated wealth strategies that support both current and future generations. High-net-worth tax-optimization and long-term investment stewardship are just some of our strengths.

We help ensure estate and legacy planning are fully integrated with a broader financial strategy, including retirement planning, tax efficiency, and long-term family objectives. This kind of coordination is especially important for families focused on preserving wealth and building a lasting legacy.

We collaborate closely with your estate planning attorney to ensure investment strategy, trusts, and long-term family goals work together cohesively.

How is Samalin Wealth compensated?

Samalin Wealth is a fee-only registered investment advisor. As a client, you pay a quarterly fee that is calculated as a fractional percentage of the assets we manage on your behalf. We also offer comprehensive financial planning services for a flat fee.

We do not accept commissions, 12b-1 fees, referral payments, or any compensation from third parties. This structure helps minimize conflicts of interest and ensures that our advice is aligned with your goals.

Our fees are fully transparent and detailed in our Form CRS and Form ADV, which are available to all clients and prospective clients.

Are my assets protected?

We are pleased to work with National Financial Services LLC (NFS), a Fidelity Investments® broker-dealer, as the custodian for our clients’ accounts. Fidelity is one of the world’s largest providers of financial services.

At Fidelity, your accounts will be held in your name and your name alone. Fidelity will provide you with a simplified, consolidated statement each month reflecting all your investment positions and transactions. At the end of the year, you will receive one 1099 tax form and a summary statement.

While your assets are covered by SIPC up to $500,000, including cash claims limited to $250,000, Fidelity provides its brokerage customers with additional “excess of SIPC” coverage.*

For more information, visit https://i.fidelity.com/welcomeinvestor.

*In addition to SIPC protection, Fidelity provides its brokerage customers with additional “excess of
SIPC” coverage. The excess coverage would only be used when SIPC coverage is exhausted. Like
SIPC, excess of SIPC protection does not cover investment losses in customer accounts, including
losses due to market fluctuation. Total aggregate excess of SIPC coverage available through Fidelity’s
excess of SIPC policy is $1 billion. Within Fidelity’s excess of SIPC coverage, there is no per customer
dollar limit on coverage of securities, but there is a per customer limit of $1.9 million on coverage of
cash awaiting investment. This is the maximum excess of SIPC protection currently available in the
brokerage industry.

Both SIPC and excess of SIPC coverage is limited to securities held in brokerage positions, including
mutual funds if held in your brokerage account and securities held in book entry form.

For more details about SIPC or to request a SIPC brochure, visit www.sipc.org or call 202.371.8300.

What is “Pay Yourself First?”

“Pay Yourself First” is a strategy that prioritizes your future before anything else. Instead of letting your income get absorbed by taxes, bills, and daily expenses, you intentionally set aside money for savings and investments first.

This approach balances what needs to be paid today with what should be built for tomorrow. By combining disciplined saving, smart tax planning, and personalized investment strategies, it helps turn your current earnings into long-term financial security.

As fiduciaries, we align every recommendation with your goals—so you can feel confident your money is working for you, not just covering expenses.