--- title: Private Individual Investing Services description: 4Thought has redefined the online investing process. We leverage technology-driven algorithmic investment analysis and traditional, personal client service. --- [![4thought_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/?hsLang=en-gb) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ![Person working on laptop displaying financial graphs with pie charts on desk](https://www.4tfg.com/hs-fs/hubfs/new%20images/4tfg-investing-hero.jpg?width=1600&name=4tfg-investing-hero.jpg "Person working on laptop displaying financial graphs with pie charts on desk") # Private Individual Investing ### What Type of Investor Are You? Take our investor assessment to see how our Multi-Method Investing® approach can help you better meet your financial goals. [Take the Online Assessment](https://4tfg.typeform.com/to/ZRF2dJ) [Speak with an Advisor Now](https://www.4tfg.com/contact?hsLang=en-gb) [![Need_a_Review-Retail-Banner](https://www.4tfg.com/hs-fs/hubfs/Need_a_Review-Retail-Banner.jpg?width=2418&name=Need_a_Review-Retail-Banner.jpg)](https://www.4tfg.com/portfolio-review?hsLang=en-gb)[![Need_a_Review-Retail-Banner](https://www.4tfg.com/hs-fs/hubfs/Need_a_Review-Retail-Email.jpg?width=2418&name=Need_a_Review-Retail-Email.jpg)](https://www.4tfg.com/portfolio-review?hsLang=en-gb) 4Thought Financial Group is an independent SEC Registered Investment Adviser (an RIA). We provide both [comprehensive wealth management services](https://www.4tfg.com/wealth-management?hsLang=en-gb) and investment advisory services, offered and paid for separately. We pride ourselves on keeping open lines of communication with our clients and on using the best aspects of both technology and actual human interaction in our goal of delivering an ever-wealthier, and ever-happier future for you and your family. ## High Impact Strategies In addition to the passive strategic asset allocation approaches, we offer the investor access to highly active liquid, low-cost, [transparent alternatives to hedge funds and private equity](https://www.4tfg.com/resources/liquid-transparent-alternatives-to-hedge-funds-and-private-equity?hsLang=en-gb), as well as to fixed income investments with actual maturity dates. Investments with these types of exposures have historically only been available at much higher cost and/or at much higher investment minimums. Your portfolio may include not only exchange traded funds, but also individual securities (stocks and bonds), even at smaller account sizes.  [View our recent performance information here](https://www.4tfg.com/performance-requests?hsLang=en-gb) ## Low-Cost Management and Full Service Advice We charge a wrap fee of 0.55%-1.55% per year (depending on your asset mix, account size, and service requirements), paid quarterly in arrears. This includes our fee for management of the portfolio; the advisory services of a dedicated investment advisor representative and our entire team (for guidance related to the portfolio we manage for you); brokerage costs (with no transaction charges on trades); and custody costs (you do not pay a separate annual custody charge – even for IRAs – but some special requests may require additional charges from the custodian). We do not charge a minimum dollar amount account fee. The only other ongoing expenses you may incur are internal exchange traded fund expense ratios, which are a “hidden cost” priced into the value of any ETFs we may use in your portfolio. ETF expenses range from  0.09% to 0.32% of the account value per year (depending on the portfolio strategy), with an average of 0.14%. All performance data is reported net of any ETF-related expenses. ## We offer multiple investment methods managed in a coordinated manner to meet your objectives. Strategic Asset Allocation For Bull Markets Liability-Driven Investing For Bear Markets Opportunistic Investing For Wolf Markets Selective/Concentrated Investing For Eagle Markets [Learn more about our investment methodology](https://www.4tfg.com/investment-methodology?hsLang=en-gb) ## The Best of Technology and the Human Touch We’re able to provide a high level of accessibility and inclusiveness (even for “active” or “tactical” approaches) through the efficiency of in-house management, using proprietary formulaic data-driven (algorithmic) investment processes, which enable lower costs and the removal of many of the negative aspects of human emotional decision from the investment process. However, we strive to combine the best aspects of technology with the best aspects of humanity. The creativity and flexibility of human strategy developers and client-facing advisors is a critical part of our process. ![Young couple smiling while meeting with advisor in bright modern office](https://www.4tfg.com/hs-fs/hubfs/new%20images/The-Best-of-Technology-and-the-Human-Touch.jpg?width=918&name=The-Best-of-Technology-and-the-Human-Touch.jpg "Young couple smiling while meeting with advisor in bright modern office") ## Accessibility We require a minimum initial investment of only $500 for taxable accounts and $10,000 for IRAs. However, our IRA minimum initial investment is also reduced to $500 for investors that commit to a monthly systematic investment of at least $500/month, as well as for investors that sign up for our comprehensive wealth management retainer services. ### **Comprehensive Wealth Management Available** Subscribing to our separate comprehensive wealth management services allows for coordination of your estate planning, business-related planning, employee benefits, and investment planning with your ongoing investment portfolio management. Think of this as a full-service upgrade that allows you to have both the low-cost benefits of automated portfolio management and the high-touch human creativity of a traditional comprehensive financial planning team. [Learn more about our wealth management services](https://www.4tfg.com/wealth-management?hsLang=en-gb) ![Systematic Investing Specialization](https://www.4tfg.com/hs-fs/hubfs/4tfg_Investing4.jpg?width=551&name=4tfg_Investing4.jpg "Systematic Investing Specialization") ## Systematic Investing Specialization We consider ourselves champions for the idea of systematic savings and investment, and **we have developed specialized proprietary strategies that attempt to maximize the benefits of this process for our investors.** 4Thought offers two stand-alone specialized systematic investing strategies for investors that identify their objective as “speculation” – Opportunistic Systematic Investing and Thematic Systematic Investing. If used in isolation, each of these should be viewed as a speculative investment approach, but when blended in appropriate percentages with core Strategic Asset Allocation and Liability-Driven investing approaches (as is the case in the “Multi-Contingency” strategies), they become integral risk components of a portfolio diversified not just at the level of asset type, but also at the level of investment method – even for conservative investors. The Opportunistic Systematic Investing strategy utilizes unconstrained tactical asset allocation and statistical probability analysis to attempt to purchase entire asset classes at discounted valuations and sell them at fair valuations. The Thematic Systematic Investing strategy utilizes selective/concentrated investing and systematized fundamental valuation analysis to attempt to purchase individual stocks at discounted valuations and sell them at fair valuations. [Learn more about systematic investing](https://www.4tfg.com/systematic-investing?hsLang=en-gb) ## **Ready to Start Investing?** [Take the Online Assessment](https://4tfg.typeform.com/to/ZRF2dJ) [Speak with an Advisor Now](https://www.4tfg.com/contact?hsLang=en-gb) - [Call 1-516-300-1617](tel:+15163001617) - [Email info@4tfg.com](mailto:info@4tfg.com) - ABOUT 4THOUGHT [Investment Philosophy](https://www.4tfg.com/investment-methodology?hsLang=en-gb) [Management Team](https://www.4tfg.com/management?hsLang=en-gb) [In the Media](https://www.4tfg.com/media?hsLang=en-gb) [Sign Up](https://www.4tfg.com/sign-up?hsLang=en-gb)[Contact](https://www.4tfg.com/contact?hsLang=en-gb) SERVICES [Private Individual Investing](https://www.4tfg.com/investing?hsLang=en-gb) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions?hsLang=en-gb) [Services for CPAs](https://www.4tfg.com/cpa-investing-services?hsLang=en-gb) [Private Wealth Management](https://www.4tfg.com/wealth-management?hsLang=en-gb) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services?hsLang=en-gb) RESOURCES [Financial News](https://www.4tfg.com/resources?hsLang=en-gb) [Investment Performance](https://www.4tfg.com/performance-requests?hsLang=en-gb) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education?hsLang=en-gb) About 4Thought [Investment Philosophy](https://www.4tfg.com/investment-methodology?hsLang=en-gb) [Management Team](https://www.4tfg.com/management?hsLang=en-gb) [In the Media](https://www.4tfg.com/media?hsLang=en-gb)[Contact](https://www.4tfg.com/contact?hsLang=en-gb) Services [Private Individual Investing](https://www.4tfg.com/investing?hsLang=en-gb) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions?hsLang=en-gb) [Services for CPAs](https://www.4tfg.com/cpa-investing-services?hsLang=en-gb) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services?hsLang=en-gb) [Private Wealth Management](https://www.4tfg.com/wealth-management?hsLang=en-gb) Resources [Financial News](https://www.4tfg.com/resources/?hsLang=en-gb) [Investment Performance](https://www.4tfg.com/investment-performance-services?hsLang=en-gb) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education?hsLang=en-gb) [Investing Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png "4Thought Financial Group") The information provided by 4Thought is educational only and is not to be interpreted or construed as investment or tax advice. © 2026 4Thought Financial Group Inc. Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf?hsLang=en-gb) [Disclosure](https://www.4tfg.com/disclosure?hsLang=en-gb) [BrokerCheck](http://brokercheck.finra.org/) Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests?hsLang=en-gb); or by phone at (516) 300-1617. Disclaimer [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf?hsLang=en-gb) [Disclosure](https://www.4tfg.com/disclosure?hsLang=en-gb) [BrokerCheck](http://brokercheck.finra.org/) Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [https://www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests?hsLang=en-gb); or by phone at (516) 300-1617. ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "Syosset", "addressRegion" : "New York", "postalCode" : "11791", "streetAddress" : "6851 Jericho Turnpike Suite 120" }, "alternateName" : "4 Thought Financial Group", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "latitude" : "+40.8100713", "longitude" : "-73.5172286" }, "geoRadius" : "150 km" }, "description" : "4Thought has redefined the online investing process. 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