4-C Personal Wealth Management Consultants, LLC

4-C provides discretionary wealth management and financial planning to individuals, high net worth individuals, trusts and estates, and also offers retirement plan advisory services under a 3(21) fiduciary model. As of August 17, 2026 the firm reported managing approximately $109 million in client assets for 53 clients and generally requires a $1,000,000 relationship minimum, which may be reduced at the firm’s discretion.

The firm’s investment process is primarily long-term focused and employs both fundamental and technical analysis to construct diversified portfolios that can include individual stocks and bonds, mutual funds, ETFs, municipal and U.S. government securities, alternative investments, and cash positions. 4-C implements and monitors portfolios on a discretionary basis through client-designated custodians and may recommend rollovers of retirement plan assets when deemed in a client’s best interest, a step the brochure notes can create a conflict if it increases advisory fees.

A noteworthy feature of the firm is that certain advisory persons are also licensed insurance professionals and may receive commission-based compensation for insurance products separate from advisory fees; the brochure discloses this as a potential conflict and emphasizes clients are not required to purchase insurance through the firm. The firm also discloses related business activities — including Social Security planning and college tuition planning services offered through affiliated entities, limited real estate holding LLCs, and an institutional relationship with Charles Schwab that provides software, custody and other economic benefits to the firm — all of which the brochure identifies as potential sources of conflicts of interest.