Four Pines Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Four Pines Financial is a fee-only independent registered investment adviser that provides wealth management, investment management, and comprehensive financial planning to individuals and high-net-worth individuals. The firm oversees roughly $11.31 million in discretionary assets across nine client relationships and does not serve non‑high‑net‑worth individual clients.
The firm develops personalized investment policies and implements them on a discretionary basis, applying modern portfolio theory to set asset allocation and a blend of passive and active strategies while allowing client‑imposed restrictions and conducting quarterly reviews. It also offers ongoing financial planning and evaluates digital assets on a risk‑adjusted basis, using institutional custody arrangements (BitGo) and an Altruist brokerage/custodial platform when digital assets are deemed suitable.
Compared with peers, Four Pines is atypical for a solo adviser because it combines a very small client roster and substantial assets per client with an institutional technology and custody stack and explicit digital‑asset services. Its planning scope includes business planning and employee benefits optimization, and the firm implements trades on an individual basis rather than through aggregated block trading.
Client services
Expertise
Demographic focus
Fee options
$0 - $2,500,000: 1.00% $2,500,001 - $5,000,000: 0.80% $5,000,001+: 0.60%
Ongoing financial planning fees paid monthly in arrears, ranging from $100 to $500
Fee-only: 0.85% annually (negotiable) for Investment Management Services; ongoing financial planning fees $100 to $500 per month (negotiable)
Main office
Atlanta GA
Advisors at this office
1
Most active in
Georgia · Texas
Also doing business as
Four Pines Financial · Four Pines 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:
-
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.
Forms ADV
Quick links
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 introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)