--- title: Financial Advisors and Institutions | 4Thought Financial Group description: Investment professionals can leverage 4Thought to offer low-cost access to high quality investments for their clients. image: https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.jpg --- [![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) ![Diverse business team collaborating around conference table in modern office with city view](https://www.4tfg.com/hs-fs/hubfs/new%20images/4tfg-financial-advisors-and-institutions-hero.jpg?width=1600&name=4tfg-financial-advisors-and-institutions-hero.jpg "Diverse business team collaborating around conference table in modern office with city view") # Financial Advisors and Institutions Resources for Advisors, RIAs, Institutions and Family Offices ## **Results Speak Louder Than Words.** [Request our investment performance data](https://www.4tfg.com/performance-requests?hsLang=en-gb) ### We provide a technology-driven multi-method separately managed account program, plus a suite of practice management resources to aid financial advisors, RIA firms, institutional investors, and family offices ![Multi-Contingency Investment Management](https://www.4tfg.com/hs-fs/hubfs/4Thought-Multi-Method-Investing.png?width=2000&name=4Thought-Multi-Method-Investing.png)   1 Multiple Investment Methods With A Shop On The Innovation Frontier We offer advisors a **“*Think Outside the Style Box*”** mentality to create all-weather portfolios prepared for ***Bull, Bear, Wolf, and Eagle markets*** **Liability-Driven Investing Opportunistic Investing Strategic Asset Allocation Selective/Concentrated Investing** [Learn more about the four market environments and multi-method investing](https://www.4tfg.com/bear-bull-wolf-eagle-markets?hsLang=en-gb) 2 A Formulaic, Data-Driven Investment Process And A Team Structure Our portfolio modeling process starts with creative proprietary research and empirical data analysis. Our findings are used to generate decision making formulas that are able to rapidly and repeatedly analyze vast quantities of raw data and drive our buy/sell/allocation decisions in tune with the specific investment mandates of each of the separately managed accounts offered. Our team includes a Chief Investment Officer, an Investment Committee, and appointed Portfolio Team Members who are cross-trained in all aspects of the portfolio decision making process and trading to ensure continuity and smooth succession for our client firms. 3 GIPS Compliant Performance Reporting 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. 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. 4 Morningstar Separate Account Research Availability Morningstar currently reports on all of our Separately Managed Account composites through their US Separate Account research database, so that you can access info on our SMAs independently and begin your own research process. ## Low Cost High Impact Separately Managed Account Strategies Our SMA strategies feature a low minimum initial investment of only $10,000 per account. We charge a 0.55% per year wrap fee paid quarterly (including custody and brokerage costs). Fees may differ or additional charges may apply depending on your chosen custodian. The only other ongoing expenses your client may incur are your fees (this part is up to you as the advisor) and internal exchange traded fund expense ratios, which are a “hidden cost” priced into the value of any ETFs we may use in your client’s portfolio (some of our portfolios do not use them). ETF expenses range from 0.09%-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. ### **Specialized Strategies for Multi-Account Portfolios** #### LIABILITY-DRIVEN INVESTING *Fixed Income* **Fixed Income Plus** *100% Credit* **Custom Liability-Driven Investing** *Custom Mix* #### STRATEGIC ASSET ALLOCATION *Equity and Alternatives* **Traditional Strategic Allocation** *100% Equities* **Global Strategic Allocation** *60-100% Equities, 0-40% Other* #### OPPORTUNISTIC INVESTING *Liquid Alternatives to Hedge Funds* **Opportunistic Unconstrained Allocation** *100% Unconstrained* #### SELECTIVE/CONCENTRATED INVESTING *Liquid Alternatives to Private Equity* **Selective Stock Allocation***100% Equities* ### **Turnkey Strategies for Complete Single-Account Portfolios** #### TRADITIONAL DIVERSIFIED ALLOCATIONS *US-Centric Stock/Bond Mix* **Traditional Strategic Allocation** *100% Equities* **Traditional Aggressive Allocation** *25% Credit, 75% Equities* **Traditional Moderate Allocation** *50% Credit, 50% Equities* **Traditional Conservative Allocation** *75% Credit, 25% Equities* #### MULTI-METHOD DIVERSIFIED ALLOCATIONS *Global Stock/Bond/HF/PE Mix* **Multi-Method Unconstrained** *100% Unconstrained* **Multi-Method Constrained** *50% Credit, 50% Unconstrained* ### [Learn more about Liquid 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) ### [Learn more about specialized systematic investing strategies for your clients](https://www.4tfg.com/resources/systematic-investing-specialization-the-4thought-difference?hsLang=en-gb) ## Draw on our services to make your practice bigger, faster, more efficient, more enjoyable, and more profitable. ## Practice Management Resources for Advisors Your financial advisory practice (like all practices) has holes in it, in the same sense that your clients’ financial plans and investment portfolios have shortcomings before they hire you. But just as you work with your clients to fill the gaps in their financial lives, we work with advisory firms to fill the gaps in their practices. 4Thought provides a series of plug-and-play practice management resources to the advisor community to ensure you have access to the specific services that will seal the leaks in your dam and make your business bulletproof. Through the use of our Separately Managed Account program you can draw on these services on an as-needed basis to make your practice bigger, faster, more efficient, more enjoyable, and more profitable. We want to help you spend less time doing the things you don’t want to do, and more time doing the things you like. Through 4Thought you can: 1 Outsource Your Investment Portfolio Management You’ve probably already heard about the benefits of making a practice more efficient by focusing on asset gathering versus asset management, and about making a practice more valuable by transitioning from transactional to fee advisory services. With these starting points, we’ve built a program with the practical day-to-day needs of advisors and their firms in mind, with the ultimate goal of making the advisor happier. 4Thought Financial Group claims compliance with the **Global Investment Performance Standards (GIPS®)**\*. But while a transparent, razor sharp focus on portfolio performance is always important, providing adaptable resources and services to the advisor and his/her firm are paramount - **Multiple investment methods in one shop:** to create all-weather portfolios prepared for ***Bull, Bear, Wolf, and Eagle markets*** - **Separately Managed Accounts: **with a unique “***Think Outside the Style Box***” mindset for institutions, or a hands-on advisor/firm - **Turnkey total portfolio management:** for those that want simplicity for their business and their clients - **Flexible modular design:** including wrap pricing, low investment minimums, custom portfolios, and consolidated web-based reporting 2 Outsource Your Client Relationship Management As your practice and your number of clients has grown, you’ve probably found that it becomes harder to properly service your entire book without hiring help. You may also receive referrals to new clients that you can’t take on due to a lack of time or because they don’t fit your client profile. But why throw money away? Rather than having to hire and train new personnel or turn away clients, consider that 4Thought has a proactive team of client relationship managers and advisors that you can tap into for everything from new client presentations and fee planning to ongoing advisory, quarterly reviews, and client servicing … while still being compensated … indefinitely. You can choose your arrangement: **Make an introduction and leave the presentations and advisory to us Bring in a proactive team to service your existing clients Outsource specific aspects on a client-by-client basis Outsource an entire segment of your client book** 3 Implement A Succession Plan For Your Practice Whether you’re just looking to spend a little more time on the golf course, you’re concerned about the fate of the practice you’ve worked so hard to build, or you want to sell your business now, we recognize the need for you to plan for succession and a potential exit strategy. Given the Boomer-driven demographic transition that is happening in the advisor community (just like with your clients), we’ve developed a ready-made transition program and a specially-trained team to help you extract the monetary value of your practice in the events of: **Semi-Retirement Disability Full Retirement Death** 4 Access Financial Planning Technical Resources And Practice Consulting We maintain a stable of specialists in various areas of financial planning and wealth management so that you can tap into our resources on demand, to simply pick the brain of a professional, attend our remote-access training sessions, or use our fee planning department to generate documents and recommendations for delivery to your client. You’ll also be able to access our network of experts in practice consulting to help you optimize your business for marketing, technology, operational efficiency, and work/life balance. Our four areas of financial planning focus are: **Investment Planning Estate Planning Business Succession Fringe Benefits** ### Other Financial Advisor Resources [Optimizing Conservation of Capital](https://www.4tfg.com/resources/embrace-technology-methodology-together-to-optimize-conservation-of-capital-financial-advisors?hsLang=en-gb) [Mitigating Your Client's Risk](https://4tfg-2201374.hs-sites.com/resources/utilize-smas-with-unique-investment-strategies-to-mitigate-your-clients-risk-financial-advisors?hsLang=en-gb) [Optimizing Transfer of Wealth](https://www.4tfg.com/resources/identify-unique-goals-and-strategies-to-optimize-transfer-of-wealth-financial-advisors?hsLang=en-gb) [Minimizing Retirement Liabilities](https://www.4tfg.com/resources/plan-along-with-planning-needs-to-minimize-retirement-liabilities-financial-advisors?hsLang=en-gb) [Managing & Researching Investments](https://www.4tfg.com/resources/the-full-time-endeavor-of-managing-researching-investments?hsLang=en-gb) [Crafting Unique Strategies for Your Clients](https://www.4tfg.com/resources/unique-goals-unique-strategies?hsLang=en-gb) ### Proposal Builder Assess needs and create a single-account proposal featuring the turnkey 4Thought strategy most aligned with your client's objectives. For multi-account, institutional, or customized proposals [contact us here](https://www.4tfg.com/contact?hsLang=en-gb). [Launch Proposal Builder](https://4tfg.typeform.com/to/wfyu9W) ![Close-up of hands reviewing printed business documents and charts on a tablet with blue overlay](https://www.4tfg.com/hs-fs/hubfs/new%20images/4tfg-homepage-footer.jpg?width=1600&name=4tfg-homepage-footer.jpg "Close-up of hands reviewing printed business documents and charts on a tablet with blue overlay") # Partner with 4Thought Today and Transform The Way You Manage Your Clients' Assets Through the use of our Separately Managed Account program you can take advantage not only of our flexible Multi-Method Investing® approach and algorithmic investment processes, but also our personnel, training, resources, and support. In the end, our goal is to provide options that help you work in a more holistic way so achieving your client’s financial goals becomes easier. - **Low cost access to high impact investing through our redefined concept of the market cycle.** - **Human creativity and support services combined with the power of our technology-driven methodology** - **A flexible program for either a turnkey approach or the manager-of-managers** - **Options for ancillary practice management resources**   - [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" : "Investment professionals can leverage 4Thought to offer low-cost access to high quality investments for their clients. ", "email" : "[GDelorenzo@ClearHorizonGroup.Com, info@4tfg.com, no-reply@4tfg.com]", "image" : "https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.jpg", "logo" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png", "naics" : "523920", "name" : "4Thought Financial Group", "sameAs" : [ "https://www.facebook.com/4ThoughtFinancialGroup", "https://www.linkedin.com/company/3043702", "https://www.youtube.com/channel/UCEHRK-25mAwfTlNzdvFSN3g", "http://investment-advisors.credio.com/l/39493/4thought-Financial-Group-Inc" ], "telephone" : "516-300-1617", "url" : "http://www.4tfg.com" } ```