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4 Thought Financial Group Inc.

Updated today

Client AUM

$171,011,583

Clients

297

Advisors

5

across 2 offices

About

4Thought Financial Group provides portfolio management and financial planning to a mix of individual investors (including high‑net‑worth clients), family offices, trusts, pension and retirement plans, corporations (including insurance companies), non‑profit organizations, and other registered investment advisers. Services include directly managed discretionary accounts, separately managed account (SMA) strategies, a sponsored wrap fee program, assets‑under‑advisory trading signals for third‑party advisers, and publishing of economic research and periodical content.

The firm structures portfolios using its Multi‑Method Investing® framework and Risk Premium Capital Allocation, offering model‑driven SMAs as well as fully customizable liability‑driven accounts and unconstrained tactical strategies that may use ETFs, institutional mutual funds, individual securities and algorithmic allocations. 4Thought supports other advisors through sub‑advisory and solicitation arrangements, and also offers subscription and retainer options (including ongoing model recommendation subscriptions and subscription financial planning), in addition to one‑time and hourly consulting.

Compared with many peers, 4Thought combines an active publishing/research business with its advisory practice and markets its proprietary SMA strategies to third‑party RIAs and platforms, while also sponsoring a wrap program — arrangements the firm discloses can create referral or proprietary‑product conflicts. The firm is licensed as an insurance broker and notes it may receive insurance commissions, and it reports adherence to GIPS and provides performance reporting and composites to interested parties.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Newsletters or periodicals

Expertise

Wealth management Active portfolio management Passive / index investing Retirement income strategy Business succession planning

Occupation focus

Founder/Business Owner Retired

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Fee options

Percentage

$0 - $10,000,000: 0.55% - 1.85% $10,000,000+: 0.35% - 1.65%

Project-based

Minimum fee $200/hour for customized client-requested specific investment research/advice

Subscriptions

Subscription for ongoing model-driven portfolio recommendations minimum $100/month; Subscription/Retainer fee comprehensive financial planning minimum $100/month

Other

Account minimum: $500 Non-Qualified (NQ), $10,000 Qualified (Q) minimum initial investment for directly managed accounts; minimums may be waived under certain circumstances such as for subscription/retainer fee financial planning clients or retirement plan services program participants. Minimum fee: One-Time Consultation Fee minimum $400; Subscription Fee minimum $100/month; Hourly Rate Consultation Fee minimum $200/hour; Subscription/Retainer fee minimum $100/month for comprehensive financial planning Fee-only: One-Time Consultation Fees, Subscription Fees, Hourly Rate Consultation Fees, and Subscription/Retainer fees for financial planning

Main office

See office

6851 Jericho Turnpike, Suite 120

Syosset NY 11791

Advisors at this office

4

Most active in

California · Connecticut · Florida · Massachusetts · New Jersey · New York

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Daniel M

Series 65

Syosset, NY

4 Thought Financial Group Inc.

Daniel Mackey is a financial advisor with 7 years of industry experience, currently with 4Thought Financial Group Inc. He holds a Series 65 designation and previously worked at American Portfolios Financial Services, Inc. from 2012 to 2017. 4Thought Financial Group provides portfolio management and financial planning to a diverse client base, including individual investors, family offices, trusts, pension plans, corporations, non-profits, and other registered investment advisers. The firm employs a Multi-Method Investing® framework and Risk Premium Capital Allocation to offer model-driven and customizable investment strategies, combining active research and publishing with advisory services.

Wealth management Active portfolio management Passive / index investing Retirement income strategy Business succession planning Founder/Business Owner Retired
user avatar

Jesse M

Series 63, Series 66

Syosset, NY

4 Thought Financial Group Inc.

Jesse Mackey is a financial advisor at 4Thought Financial Group Inc. in Syosset, NY, with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with 4Thought Financial Group since 2012. In addition to his advisory role, Mackey contributes freelance writing to economics and investment-related publications. 4Thought Financial Group provides portfolio management and financial planning services to a diverse client base, including individual investors, family offices, trusts, pension plans, corporations, and non-profit organizations. The firm employs its Multi-Method Investing® framework and Risk Premium Capital Allocation to offer customizable investment strategies and supports other advisors through sub-advisory and solicitation arrangements.

Wealth management Active portfolio management Passive / index investing Retirement income strategy Business succession planning Founder/Business Owner Retired
user avatar

Martin L

ChFC®, Series 63

Syosset, NY

4 Thought Financial Group Inc.

Martin Levine is a financial advisor with 40 years of industry experience, currently serving at 4Thought Financial Group Inc. since 2012. He holds the ChFC® and Series 63 designations and previously worked at American Portfolios Financial Services, Inc. from 2012 to 2017. Levine is the author of the Widow's Survival Guide and serves on the board of directors of Meir Panim, an Israel-based charity. 4Thought Financial Group provides portfolio management and financial planning services to a diverse client base including individuals, family offices, pension plans, corporations, and non-profit organizations. The firm employs its Multi-Method Investing® framework and Risk Premium Capital Allocation to deliver model-driven SMAs, customizable liability-driven accounts, and tactical strategies using ETFs, mutual funds, securities, and algorithmic allocations.

Wealth management Active portfolio management Passive / index investing Retirement income strategy Business succession planning Founder/Business Owner Retired
user avatar

Maciej P

Series 65

Syosset, NY

4 Thought Financial Group Inc.

Maciej Pawlowski is a financial advisor at 4Thought Financial Group Inc. with one year of industry experience. He holds a Series 65 designation and previously worked at Royalton Partners SA and ImmoFinRE AIFM. 4Thought Financial Group provides portfolio management and financial planning services to a diverse client base including individual investors, family offices, pension plans, corporations, and non-profit organizations. The firm employs a Multi-Method Investing® framework and offers model-driven separately managed accounts as well as customizable strategies, combining active research and publishing with its advisory practice.

Wealth management Active portfolio management Passive / index investing Retirement income strategy Business succession planning Founder/Business Owner Retired
user avatar

James A

Series 66

Miami Shores, FL

4 Thought Financial Group Inc.

James Anderer is a financial advisor at 4 Thought Financial Group Inc. with two years of industry experience and holds a Series 66 designation. His background includes roles in insurance and marketing consulting, and he is the owner and creative director of Mega Code LLC, a business consulting firm specializing in marketing, creative production, and branding. He also serves as fractional CMO for Automatic Manufacturing Systems, Inc., which manages multiple brands in manufacturing and design. 4 Thought Financial Group provides portfolio management and financial planning services to a diverse client base including individuals, family offices, trusts, and institutions. The firm employs a Multi-Method Investing® framework and Risk Premium Capital Allocation, offering model-driven and customizable strategies across various asset types, along with research publishing and support for other advisors through sub-advisory and solicitation arrangements.

Wealth management Active portfolio management Passive / index investing Retirement income strategy Business succession planning Founder/Business Owner Retired
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