Forty4 Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Forty4 Financial provides investment management, financial planning, and retirement plan advisory services for individuals, high-net-worth clients, trusts, estates, businesses and retirement plans. Offerings include discretionary portfolio management (primarily ETFs and diversified mutual funds), written financial planning or consulting, and tailored retirement plan advisory engagements.
The firm’s investment process relies on fundamental analysis to build long-term, customized portfolios while retaining legacy holdings or making shorter-term trades for rebalancing, tax, or cash-flow needs. For participant and other held-away defined contribution accounts it uses a third‑party access platform (Pontera) to implement discretionary management without taking custody of client assets.
Despite being a single-advisor independent firm with roughly $33.2 million in assets under management and a modest client base, Forty4 Financial provides pension and retirement-plan consulting and 3(21) advisory services to plan sponsors — including IPS design, participant enrollment tracking, investment oversight and performance reporting — a service mix that is less common among peers of this size. The firm also maintains an institutional relationship with its custodian platform for technology and execution support and furnishes ERISA-related fiduciary disclosures to plan clients.
Client services
Expertise
Fee options
Fixed engagement fees for financial planning services negotiated based on expected hours
$0+: 0.40% to 2.50% annually based on several factors for investment management services $0+: Up to 0.50% annually for retirement plan advisory services
Up to $250 per hour for financial planning services
Minimum fee: Minimum total fee of $1,500 for retirement plan advisory services Fee-only: Financial planning services offered on hourly basis up to $250/hour or fixed engagement fees negotiated based on expected hours
Main office
Bethesda MD
Advisors at this office
1
Most active in
District of Columbia · Maryland
Also doing business as
Forty4 Financial · Forty4 Financial, Benefit LLC · Forty4 Financial, LLC
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:
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Insurance agent
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Broker-dealer / trader
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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.
Forms ADV
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