4-C Personal Wealth Management Consultants, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
4-C Personal Wealth Management Consultants serves individual and high‑net‑worth clients with discretionary wealth management, ongoing financial planning and retirement account advice. The firm manages roughly $109 million across a limited client base and generally requires a minimum relationship size that it may waive in special circumstances.
The firm’s investment approach is primarily long‑term and combines fundamental and technical analysis to build diversified portfolios of individual stocks and bonds, mutual funds, ETFs, municipal and U.S. government securities. Portfolios are implemented on a discretionary basis, monitored continuously, and reviewed formally at least annually, with trades made as needed for rebalancing, tax management, or client cash needs.
A distinctive feature of the firm is its affiliation with insurance business activity: advisory personnel are licensed insurance professionals and the firm discloses that insurance product sales, Social Security planning and college‑planning services are offered separately and generate commission compensation in addition to advisory fees. The firm recently transitioned to SEC registration and operates as a small, two‑advisor practice with an institutional custody relationship that provides technology and back‑office benefits from its custodian.
Client services
Expertise
Fee options
$0 - $2,000,000: 1.00% annually $2,000,001 - $5,000,000: 0.75% annually $5,000,001+: 0.50% annually
Account minimum: $1,000,000
Main office
See office677 Craig Road, Suite 211
Creve Coeur MO 63141
Advisors at this office
1
Offices (2)
Most active in
Missouri · Texas
Also doing business as
4 C Personal Wealth Management Consultants, LLC · 4 C Personal Wealth Management Consultants, LLC. · Fundamental Financial Advisors
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Fetzer C
Series 66
St. Louis, MO
4-C Personal Wealth Management Consultants, LLC
Fetzer Crockett is a financial advisor with 17 years of industry experience, currently practicing at 4-C Personal Wealth Management Consultants, LLC in St. Louis, MO. He holds a Series 66 designation and has worked at 4 C Wealth Management Consultants, National Planning Corporation, and Crockett And Company, Inc. Additionally, Mr. Crockett is involved in insurance-related activities and provides Social Security benefits planning and educational workshops, as well as college assistance planning through separate business ventures. 4-C Personal Wealth Management Consultants serves individual and high-net-worth clients with discretionary wealth management, financial planning, and retirement account advice. The firm employs a primarily long-term investment approach that integrates fundamental and technical analysis to manage diversified portfolios on a discretionary basis.
Bogdan N
Series 65
Creve Coeur, MO
4-C Personal Wealth Management Consultants, LLC
Bogdan Niciu is a financial advisor at 4-C Personal Wealth Management Consultants, LLC with 10 years of industry experience. He holds a Series 65 designation and has been with the firm since 2015. 4-C Personal Wealth Management Consultants serves individual and high-net-worth clients with discretionary wealth management, ongoing financial planning, and retirement account advice. The firm manages approximately $109 million, focusing on long-term investment strategies that combine fundamental and technical analysis to build diversified portfolios.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")