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.
Liquid Alternatives to Hedge Funds
Opportunistic Systematic Investing
Global Opportunistic Accumulation
Global Opportunistic Distribution
Liquid Alternatives to Private Equity
Thematic Systematic Investing
Global Thematic Accumulation
Global Thematic Distribution
Equity and Alternatives
Traditional Stock Allocation
Global Strategic Accumulation
60-100% Equities, 0-40% Other
Global Strategic Distribution
40-80% Equities, 20-60% Other
Fixed Income Plus Tax Neutral
Fixed Income Plus High Yield
Custom Liability-Driven Investing
US-Centric Stock/Bond Mix
Traditional Aggressive Allocation
25% Credit, 75% Equities
Traditional Moderate Allocation
50% Credit, 50% Equities
Traditional Conservative Allocation
75% Credit, 25% Equities
Global Stock/Bond/HF/PE Mix
25% Credit, 75% Other
50% Credit, 50% Other
75% Credit, 25% Other
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 services
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
Get the advantages of a robo-advisor with the personal support of a traditional investment team. Set up your account today and let 4Thought go to work for you.