About the Firm

Four Financial Management was founded in 2008 by four industry veterans with long tenures at a major brokerage firm. Our goal is to provide customized financial consulting that best suits the unique circumstances and objectives of our clients.


In August of 2008, the firm for which the principals had worked for the length of their careers was acquired by another broker/dealer. Our principals approached this as an opportunity to examine their business practice and to determine how they could offer the best possible services to clients. They concluded that their clients would best be served through a new partnership.

In November of that year, in the depths of the Financial Crisis and economic uncertainty, the four principals walked away from generous retention packages to establish a new relationship with the independent broker/dealer LPL Financial. Seeking to provide independent and objective advice, they formed Four Financial Management—a new firm in their own vision.



The firm’s overriding philosophy is to help preserve client portfolios during market declines. History and extensive research has shown that portfolios that utilize disciplined risk management strategies tend to fare better than those of a typical buy and hold investor. Quite simply, a strategy designed to limit losses allows a portfolio to recapture those losses faster and keeps the portfolio growing once the market rebounds. The investment strategies developed by Four Financial Management are modeled after the same investment approaches used by major university endowment funds which also incorporate this disciplined risk management style.

At Four Financial Management, our clients come first. We strive each day to provide value and earn your trust and confidence by continuously working to put our clients’ families in stronger financial positions. Honesty, integrity, and accountability are the tenets by which we conduct business.

**Investing is subject to risk which may involve loss of principal. No strategy assures success or guarantees against loss.

Our independence, your advantage

Our independence means we can provide you with objective financial guidance—allowing us to act in your best interest at all times.

Client Centered

As an independent firm, we have the flexibility to offer you access to a wide range of non-proprietary products and services—without the obligation to sell any particular investment or brand—keeping our focus solely on your wealth management and legacy objectives.

Additionally, we are supported by the resources of LPL Financial, the nation’s largest independent broker/dealer.* LPL Financial has $396.7 billion in advisory and brokerage assets, based on publicly disclosed information as of December 31, 2013.

The LPL Financial SIPC Membership provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash. An explanatory brochure is available at www.sipc.org.

Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $575 million subject to conditions and limitations.

The account protection applied when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.

* As reported by Financial Planning magazine, June 1996-2013, based on total revenue.

Have a Question?

Thank you!