Morningstar Ratings™ Overall
(as of March 31st, 2025)

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4Thought Multi-Method Unconstrained ★★★★★
(Out of 394 Strategies in the Tactical Allocation Category)

4Thought Traditional Strategic Allocation ★★★★★
(Out of 260 Strategies in the Aggressive Allocation Category)

4Thought Traditional Conservative Allocation ★★★★★
(Out of 335 Strategies in the Conservative Allocation Category)

4Thought Traditional Aggressive Allocation ★★★★
(Out of 382 Strategies in the Moderately Aggressive Allocation Category)

4Thought Opportunistic Unconstrained Allocation ★★★★
(Out of 394 Strategies in the Tactical Allocation Category)

4Thought Multi-Method Constrained ★★★★
(Out of 460 Strategies in the Moderately Conservative Allocation Category)

4Thought Traditional Moderate Allocation ★★★★
(Out of 460 Strategies in the Moderately Conservative Allocation Category)

4Thought Selective Stock Allocation ★★★
(Out of 744 Strategies in the Large Blend Category)

4Thought Global Strategic Allocation ★★★
(Out of 394 Strategies in the Tactical Allocation Category)

4Thought Fixed Income Plus ★★★
(Out of 88 Strategies in the Corporate Bond Category)

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Past performance is no guarantee of future results.

© 2025 Morningstar, Inc. 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.

The Morningstar Rating^TM for separate accounts, or “star rating”, is calculated for separate accounts with at least a three-year history. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics.

Notes: The ratings and rankings provided are based on Gross of fees returns for the period ended at the date shown above, amongst managers reporting to Morningstar for the full time period referenced. 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. Fees for separate accounts can vary widely and are negotiated between the asset manager, the separate account program sponsor or advisor, and the investor. Morningstar has chosen to present gross-of-fees performance (before fees have been taken out) to compare separate accounts. Net-of-fees calculations often deduct the highest theoretical fees that an investor may pay. Morningstar will not calculate ratings for categories or time periods that contain fewer than five separate accounts. Each investor in the same separate account can experience slightly different total returns, because investors have different account preferences and restrictions. Therefore, to ensure that ratings are fairly assigned, Morningstar will calculate ratings for only those firms that report performance for “composites” of similarly managed portfolios according to the guidelines of the CFA Institute’s Global Investment Performance Standards (GIPS®). Separate accounts that do not have ratings can be divided into two groups: those that do not qualify to be rated and those that did not participate. A separate account will not get a Morningstar Rating if: It is less than three years old, the firm is not GIPS-compliant, or the category contains fewer than five separate accounts that are eligible for a rating. 

Investment Advisory Services and Separately Managed Accounts are offered through 4Thought Financial Group Inc., an SEC Registered Investment Advisor. Registration does not imply a certain level of skill or training. This document is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This is in no way a solicitation or offer to sell investment advisory services except, where applicable, in states where we are registered or where an exemption or exclusion from such registration exists. Nothing here should be interpreted to state or imply that past results are an indication of future performance. 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.

*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).