Fourth Quarter Retirement Strategies, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Fourth Quarter Retirement Strategies works with individual and high‑net‑worth clients to provide project‑based and ongoing comprehensive financial planning. Services described in its brochure include retirement and decumulation planning, tax and estate planning, insurance review, business planning, employee benefits optimization, and educational seminars and speaking engagements.
The firm does not manage or custody client assets and instead provides fee‑only, non‑discretionary advice and implementation recommendations; it relies on Modern Portfolio Theory and a primarily passive investment approach when making portfolio suggestions. Ongoing planning clients receive monitoring and annual reviews, with implementation left to the client’s chosen custodians.
Noteworthy among peers, the firm regularly offers educational seminars and speaking engagements and expressly avoids percentage‑of‑AUM pricing or commission compensation. The firm’s principal has a background in ERISA and retirement‑plan consulting and emphasizes decumulation strategies (Social Security and pension claiming, Roth conversions, bucketing), which may be particularly relevant for clients focused on retirement income.
Client services
Expertise
Fee options
Fixed fee for project-based financial planning ($500 to $10,000 depending on complexity); fixed upfront fee of $1600 plus monthly $200 ongoing fee for ongoing comprehensive financial planning.
Fee-only: Project-based financial planning fees ranging from $500 to $10,000 fixed fee; Ongoing comprehensive financial planning fees consist of a $1600 upfront fee plus $200 per month ongoing fee.
Main office
Hopkinton MA
Advisors at this office
1
Most active in
Massachusetts · Texas
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
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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
Quick links
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