Charlotte, NC Office

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, participant-level retirement plan advice, and estate settlement assistance. The firm manages client accounts on a discretionary basis and also provides one-time or tailored planning engagements and participant consulting.

The firm’s investment approach emphasizes asset allocation and customized strategies that include income, capital preservation, and tactical growth, and it uses both proprietary analysis tools and third‑party model portfolios. For managed accounts it requires custody with LPL Financial and participates in LPL‑hosted programs (Optimum Market Portfolios and Model Wealth Portfolios) and in select SEI model portfolios, while permitting client‑imposed investment restrictions.

What distinguishes Four Financial Management from many peers is its network of industry affiliations: its associates are registered representatives of LPL Financial, the firm sponsors a wrap fee program on the LPL SWM platform, and the owners maintain relationships with another registered adviser (Provizr), a tax preparation practice (Four Financial Tax Services), and insurance agency activities. These multiple affiliations and revenue sources are disclosed in the brochure and identified as potential conflicts of interest the firm says it seeks to mitigate while managing roughly $163 million in client assets.