--- title: Results Speak Louder than Words - Third Quarter 2016 description: 4Thought Financial Group’s separate account strategies are managed with repeatable algorithmic processes so they can be consistently competitive. Learn how we deliver results. image: http://www.4tfg.com/hubfs/Blog/4Thought-Results2016q3.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/) - [![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) ## 4Thought Investing Resources # 4Thought Investment Resources [Financial News](https://www.4tfg.com/resources/topic/financial-news) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Performance](https://www.4tfg.com/resources/topic/performance) # Results Speak Louder than Words - Third Quarter 2016 4Thought Financial Group’s separate account strategies are managed with repeatable algorithmic processes so they can be consistently competitive. Learn how we deliver results. \[fa icon="calendar"\] Oct 31, 2016 7:27:00 PM by [Jesse Mackey](https://www.4tfg.com/resources/author/jesse-mackey) ![Results Speak Louder than Words - Third Quarter 2016](http://www.4tfg.com/hubfs/Blog/4Thought-Results2016q3.jpg)   # 4Thought Separate Accounts rank #1 and #2 in Morningstar’s “World Stock” category year-to-date, Top 10% for 9 out of 18 strategies offered   ### **Thematic Systematic Investing: Top 1%** – YTD percentile ranking out of 428 World Stock managers as of 9/30/16 **#1** – YTD absolute ranking out of 428 World Stock managers as of 9/30/16 --- ### **Global Thematic Accumulation: Top 1%** – YTD percentile ranking out of 428 World Stock managers as of 9/30/16 **#2** – YTD absolute ranking out of 428 World Stock managers as of 9/30/16 --- ### **Multi-Contingency Aggressive: Top 2%** – YTD percentile ranking out of 187 World Allocation managers as of 9/30/16 **#4** – YTD absolute ranking out of 187 World Allocation managers as of 9/30/16 --- ### **Global Opportunistic Distribution: Top 3%** – YTD percentile ranking out of 48 Multialternative managers as of 9/30/16 **#2** – YTD absolute ranking out of 48 Multialternative managers as of 9/30/16 --- ### **Global Strategic Distribution: Top 5%** – YTD percentile ranking out of 45 Target-Date Retirement managers as of 9/30/16 **#3** – YTD absolute ranking out of 45 Target-Date Retirement managers as of 9/30/16 --- ### **Multi-Contingency Moderate: Top 5%** – YTD percentile ranking out of 342 Allocation 30 to 50% Equity managers as of 9/30/16 **#17** – YTD absolute ranking out of 342 World Allocation managers as of 9/30/16 --- ### **Opportunistic Systematic Investing: Top 7%** – YTD percentile ranking out of 48 Multialternative managers as of 9/30/16 **#4** – YTD absolute ranking out of 48 Multialternative managers as of 9/30/16 --- ### **Global Opportunistic Accumulation: Top 9%** – YTD percentile ranking out of 48 Multialternative managers as of 9/30/16 **#5** – YTD absolute ranking out of 48 Multialternative managers as of 9/30/16 --- ### **Global Thematic Distribution: Top 10%** – YTD percentile ranking out of 45 Target-Date Retirement managers as of 9/30/16 **#5** – YTD absolute ranking out of 45 Target-Date Retirement managers as of 9/30/16   ### Interested in investing with us? Learn how 4Thought Financial Group could help you achieve your goals. [![CONTACT US HERE](https://no-cache.hubspot.com/cta/default/2201374/c59a4429-8ac8-4165-bebb-a4a70cdff426.png)](https://cta-redirect.hubspot.com/cta/redirect/2201374/c59a4429-8ac8-4165-bebb-a4a70cdff426)     --- Past performance is no guarantee of future results. Investment advisory services and Separately Managed Accounts offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. The rankings provided are based on Gross of fees returns for the period ended 6/30/16, amongst managers reporting to Morningstar for the full time period referenced. 4Thought Financial Group Inc. claims compliance with the Global Investment Performance Standards (GIPS®)\*. The verification report is available upon request. For a list of composite descriptions or to obtain a fully compliant GIPS Performance Disclosure Presentation please email 4Thought at info@4tfg.com. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients and any arrangements under which 4Thought provides recommendations for client self-implementation. The referenced composites include only discretionary accounts under management. Accounts enter each composite upon the first full month under management. Results are calculated internally by 4Thought and the firm is verified as compliant by a third party verification firm. Results are based on fully discretionary accounts under management, including those accounts no longer with the firm. Policies for valuing portfolios, calculating performance, and preparing compliant presentations are available upon request. Innovation. Partnership. Freedom. [www.4TFG.com](http://www.4TFG.com) Rankings and ratings provided are based on gross-of-fees returns, and therefore the deduction of fees is not reflected in this data or in the data of competitors to which 4Thought’s composites are compared. All-inclusive/Bundled/Wrap fee accounts pay a fee based on a percentage of assets under management. Other than brokerage commissions this fee includes investment management, portfolio monitoring, consulting services, and in some cases, custodial services. Wrap/Bundled fee accounts make up 100% of 4Thought’s composites for all periods shown. Wrap fee schedules are provided by independent wrap sponsors and are available upon request from the respective wrap sponsor. The total wrap fee incurred by end-user investors varies between 0.55% and 1.85%, depending on the wrap sponsor and any additional markup added by advisors serving the client. Past performance is no guarantee of future results. The value of an investment may fall as well as rise. Investor principal is not guaranteed, and investors may not receive the full amount of their principal upon making withdrawals from their account if asset values have fallen. Investments in Separately Managed Accounts are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value. Investors should carefully consider the investment objectives, risks, charges and expenses. This and other important information is contained in the composite description and 4Thought's Form ADV Part 2, which can be obtained from 4tfg.com or by calling (516) 300-1617, and should be read carefully before investing. The strategy(ies) referenced use investment techniques with risks that are different and in addition to the risks ordinarily associated with equity investments. Such techniques include active management risks, non-diversified/concentration risks, unconstrained asset allocation risks, high portfolio turnover risks, exchange traded fund risks, debt securities risks, currency risks, and foreign investment risks, which may increase volatility and may increase costs and lower performance. © 2016 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Securities offered through American Portfolios Financial Services, Inc. (APFS) Member FINRA/SIPC. This data, provided by a 3rd party, is for informational purposes only. American Portfolios Financial Services Inc. (APFS) and/or American Portfolios Advisors, Inc. (APA) makes no claim as to the accuracy, completeness, timeliness or fitness of the data. APFS/APA assumes no liability at all for any action taken in reliance on the data. 4Thought Financial Group, Inc. is not affiliated with APFS and or APA.   ### Author: Jesse Mackey ![](https://www.4tfg.com/hubfs/Email/JesseMackey-EmailSignature.png) [mailto:jmackey@4tfg.com](mailto:jmackey@4tfg.com) Jesse Mackey is the Chief Investment Officer of 4Thought Financial Group, an SEC Registered Investment Adviser (RIA). As head of the firm's portfolio management operations, he provides investment planning and portfolio management expertise to aid affiliated financial advisors and partner firms in servicing their clients. He is also director of the economic theory, research, and publishing conducted at the firm. Jesse earned his MBA from Thunderbird School of Global Management in International Securities Investment, International Development and Entrepreneurship, and his Bachelor’s degree from Colgate University in Economics. He has more than 16 years of experience in the financial services industry. He holds the Series 66 Securities/Advisory license, and is also a licensed life and health insurance representative in several states. 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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); 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) [Disclosure](https://www.4tfg.com/disclosure) [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); 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 Financial Group’s separate account strategies are managed with repeatable algorithmic processes so they can be consistently competitive. 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