Four Financial Management

Alan Brilliant is a financial advisor at Provizr in Ann Arbor, MI, holding Series 63 and Series 65 credentials with 26 years of industry experience. He has worked at Four Financial Management since 2016 and has been associated with Provizr since 2015 and LPL Financial since 2008. Outside of advising, he is also an author, dedicating time to writing beginning in 2023. Provizr primarily serves current and former employees of select public and non-profit institutions, offering financial planning, discretionary portfolio management focused on plan-offered investments, and estate settlement assistance. The firm employs a core asset-allocation approach with monthly tactical rotations driven by a proprietary algorithm, managing approximately $59.7 million across about 108 clients.

Cyril White is a financial advisor at Four Financial Management with 21 years of industry experience. He holds a Series 66 designation and has prior experience with LPL Financial and other business ventures including ownership of Be Bold Excel Fitness. Additionally, he is a published book author. Four Financial Management serves individual investors, non-profits, trusts, retirement plans, and business entities, offering portfolio management, financial planning, and estate settlement assistance. The firm emphasizes asset allocation and customized strategies, using both proprietary analysis tools and third-party model portfolios, and operates through affiliations with LPL Financial and related entities.

Michael Kaplan is a financial advisor with Four Financial Management in Ann Arbor, MI, holding Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at LPL Financial and as principal of Provizr. Kaplan is also involved in a tax preparation and accounting service through Four Financial Tax Services. Four Financial Management provides portfolio management, financial planning, and consulting services to individual investors, non-profits, trusts, retirement plans, and businesses. The firm employs a customized investment approach focusing on asset allocation, income, capital preservation, and tactical growth, utilizing both proprietary tools and third-party models.

David Fransko is a financial advisor with Provizr in Ann Arbor, MI, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. He has been affiliated with Provizr since 2015 and Four Financial Management since 2016, as well as maintaining a longstanding relationship with LPL Financial since 2008. Outside of his advisory work, he is involved as a business owner in a non-investment related venture, Rose Laundry Northville LLC. Provizr primarily serves current and former employees of select public and nonprofit institutions, providing financial planning and discretionary portfolio management focused on retirement plan investments. The firm employs a core asset-allocation strategy supplemented by monthly tactical rotations using a proprietary algorithm, managing approximately $59.7 million for about 108 clients.

Stephen Morman is a financial advisor with Provizr in Ann Arbor, MI, holding Series 63, 65, and 66 licenses and bringing 41 years of industry experience. He has worked with Provizr since 2015 and Four Financial Management since 2016, alongside a longstanding association with LPL Financial dating back to 2008. Provizr primarily serves current and former employees of select public and nonprofit institutions, offering financial planning, discretionary portfolio management focused on plan-offered investments, and estate settlement assistance. The firm’s six-advisor team manages approximately $59.7 million for about 108 clients, using a core asset-allocation approach supplemented by monthly tactical rotations based on a proprietary algorithm.

Chandler Smith is a financial advisor with Four Financial Management in Charlotte, NC, holding a Series 66 designation and eight years of industry experience. He has been with Four Financial Management since 2018 and also provides administrative support to independent investment advisor firms and assists in tax preparation operations. Outside of his advisory work, he is involved as an author. Four Financial Management serves individual investors, including high-net-worth clients, as well as non-profits, trusts, retirement plans, and business entities, offering portfolio management, financial planning, and consulting with a focus on customized asset allocation strategies. The firm manages accounts on a discretionary basis and utilizes both proprietary and third-party model portfolios, operating within a network of industry affiliations including LPL Financial and related advisory and tax services.