4:8 Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$299,733,000
Clients
821
Advisors
4
of 8 employees
About
4:8 Financial serves individuals (including high net worth clients), charities, and retirement plans with comprehensive financial planning and portfolio management. Services described in the brochure include net worth and cash flow analysis, tax and retirement planning, college planning, risk management, retirement plan consulting, and tailored investment advice delivered through LPL Financial–sponsored advisory programs.
The firm’s investment approach emphasizes strategic asset allocation, fundamental analysis, and a buy‑and‑hold framework with periodic rebalancing, and it generally operates with discretionary authority for portfolio implementation. Investment implementation frequently uses model portfolios and third‑party or algorithmic programs available through LPL, including mutual fund/ETF model portfolios and an algorithm‑based Guided Wealth Portfolio service.
Noteworthy features relative to peers include an unusually high client‑to‑advisor ratio — roughly 200 clients per advisor — and the firm’s use of LPL‑sponsored wrap fee programs (portfolio management is provided through a wrap program), which suggests reliance on platform models and technology to scale service delivery. The brochure also discloses that owners and associates are licensed insurance agents and that custody and platform services are provided by LPL, arrangements that create platform benefits and potential conflicts of interest to consider.
Client services
Expertise
Fee options
0% to 1.35% annually (negotiable)
Commissions and 12b-1 fees may be earned from insurance product sales and securities sales outside of OMP program accounts.
Main office
266 Northwest 1st Ave
Canby OR 97013
Advisors at this office
4
Most active in
Arizona · California · Idaho · Oregon · Texas · Washington
Also doing business as
4:8 Financial · Carlson Financial, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Quick links
Advisors at this firm
Lucas N
Series 65
Canby, OR
4:8 Financial
Lucas Navallo Santiago is a financial advisor at 4:8 Financial with a Series 65 designation and one year of industry experience. Prior to joining 4:8 Financial, he worked in various roles including at Metro West Ambulance and Oregon State University. 4:8 Financial provides financial planning, portfolio management, and retirement plan consulting to individuals and qualified plans, focusing on asset allocation and strategic buy-and-hold investment approaches using LPL Financial-sponsored platforms and model portfolios.
Colin M
Series 66
Canby, OR
4:8 Financial
Colin Maulding is a financial advisor at 4:8 Financial with 16 years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones, LPL Financial, and Financial Advocates Investment Management. Maulding is also a licensed insurance agent and operates Maulding Wealth Management, LLC, a business entity used for tax and investment purposes. 4:8 Financial provides financial planning, portfolio management, and retirement plan consulting to individuals, including high-net-worth clients, and qualified plans. The firm emphasizes asset allocation with a buy-and-hold approach and uses LPL-sponsored platforms and model portfolios to manage client accounts on a discretionary basis.
Paul C
Series 63, Series 65
Canby, OR
4:8 Financial
Paul Carlson is a financial advisor at 4:8 Financial with 25 years of industry experience. He previously worked at LPL Financial and Financial Advocates Investment Management for ten years each. Outside of his advisory role, he is a licensed insurance agent. 4:8 Financial provides financial planning, portfolio management, and retirement plan consulting to individuals, including high-net-worth clients, and qualified plans. The firm utilizes a buy-and-hold investment approach with periodic rebalancing, employing mutual funds, ETFs, stocks, and bonds through LPL-sponsored platforms and model portfolios.
Asher C
Series 66
Canby, OR
4:8 Financial
Asher Carlson is a financial advisor at 4:8 Financial with one year of industry experience. He holds a Series 66 designation and has previously worked at Financial Advocates Investment Management and LPL Financial. Outside of his advisory work, Carlson has been involved with Liberty University since 2022. 4:8 Financial provides financial planning, portfolio management, and retirement plan consulting to individuals, including high-net-worth clients, and qualified plans. The firm uses a buy-and-hold investment approach with periodic rebalancing and relies on LPL Financial-sponsored platforms and model portfolios to manage client accounts on a discretionary basis.
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