4Thought Financial Group is an independent SEC Registered Investment Adviser (an RIA). We provide both comprehensive wealth management services 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.
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, 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.
0.09% to 0.42% of the account value per year (depending on the portfolio strategy), with an average of 0.15%. All performance data is reported net of any ETF-related expenses.
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.
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 servicesWe 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 investingThe information provided by 4Thought is educational only and is not to be interpreted or construed as investment or tax advice.
© 2025 4Thought Financial Group Inc.
Investment Advisory Services are offered through 4Thought Financial Group Inc.,
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 Disclosure BrokerCheck
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; on the 4Thought website at www.4tfg.com/performance-requests; or by phone at (516) 300-1617.
Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure Disclosure BrokerCheck
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; on the 4Thought website at https://www.4tfg.com/performance-requests; or by phone at (516) 300-1617.