--- title: 4Thought Financial Group Resources | Financial Planning description: Financial Planning | 4Thought Financial Group Resources --- [![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://custodysolutions.gs.com/client-app) - [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://custodysolutions.gs.com/client-app) - [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 Investing Resources [Financial News](https://www.4tfg.com/resources/) [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) # **Financial Planning Resources** SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ## [Understanding Risk in Investing - Part 3 - Investment Methods and Risk Premiums](https://www.4tfg.com/resources/understanding-risk-in-investing-part3-0-1-0) 4Thought's Chief Investment Officer, Jesse Mackey, discusses advanced concepts in risk that are pertinent to the advisor, institutional investor, or portfolio manager. \[fa icon="calendar'\] Nov 5, 2020, 8:38:36 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial)   [Read More](https://www.4tfg.com/resources/understanding-risk-in-investing-part3-0-1-0) [Financial News](https://www.4tfg.com/resources) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ## [Understanding Risk in Investing - Part 2 - Modern Portfolio Theory Quantitative Tools and Statistics](https://www.4tfg.com/resources/understanding-risk-in-investing-part2-0-1) 4Thought's Chief Investment Officer, Jesse Mackey, discusses quantitative concepts in risk that are pertinent to the advisor or sophisticated retail investor. \[fa icon="calendar'\] Oct 29, 2020, 6:00:00 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial)   [Read More](https://www.4tfg.com/resources/understanding-risk-in-investing-part2-0-1) [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ## [Understanding Risk in Investing - Part 1 - Common Types of Risk and Risk Management Tools](https://www.4tfg.com/resources/understanding-risk-in-investing-part1-0) 4Thought's Chief Investment Officer, Jesse Mackey, discusses fundamental concepts in risk that a pertinent to the retail investor and appropriate risk management tools. \[fa icon="calendar'\] Oct 22, 2020, 8:29:52 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial)   [Read More](https://www.4tfg.com/resources/understanding-risk-in-investing-part1-0) [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ## [Intergenerational Planning](https://www.4tfg.com/resources/intergenerational-planning-0) 4Thought's CFO Martin Levine explains the importance of Intergenerational Financial Planning for those who've accumulated significant wealth during their lifetimes. \[fa icon="calendar'\] Oct 15, 2020, 7:00:00 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial)   [Read More](https://www.4tfg.com/resources/intergenerational-planning-0) [Financial News](https://www.4tfg.com/resources) ,[Retirement](https://www.4tfg.com/resources/topic/retirement) ,[Financial Professionals](https://www.4tfg.com/resources/topic/financial-professionals) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Performance](https://www.4tfg.com/resources/topic/performance) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ## [The SECURE ACT, Qualified Plan Updates, Judy Lynch VP LIEBG / 4Thought Financial Group](https://www.4tfg.com/resources/the-secure-act-qualified-plan-updates-judy-lynch-vp-liebg-4thought-financial-group) In this video Judy Lynch, QPA QKC, Vice President of Long Island Employee Benefits Group presents the recent changes in the regulation of Employer-Sponsored ERISA Retirement Plans related to the SECURE Act. This is important information for any employer, accountant, or financial services professional to be aware of. If you offer your employees a 401k, profit sharing plan, or pension through your business and you’re not familiar with the SECURE Act’s changes, this video is well worth watching. Please reach out to us at 4Thought with any questions or for help with your retirement plan. \[fa icon="calendar'\] Sep 2, 2020, 12:30:00 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) [Read More](https://www.4tfg.com/resources/the-secure-act-qualified-plan-updates-judy-lynch-vp-liebg-4thought-financial-group) [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ## [The Importance of Retainer Fee-Based Financial Planning & Wealth Management](https://www.4tfg.com/resources/retainer-fee-based-financial-planning-wealth-management) Retainer fee-based financial planning holds significantly more benefits for advisors and investors concerned about navigating recent industry changes than the traditional commission-based model. Here are several reasons why you should consider making the switch today. \[fa icon="calendar'\] Nov 14, 2018, 10:30:00 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) Recent, sweeping tax reform. Uncertainty about the U.S. Department of Labor’s recently enacted—(Or was it?)—Fiduciary Rule. The current turbulence defining the stock market, and ever-evolving capabilities of automation. [Read More](https://www.4tfg.com/resources/retainer-fee-based-financial-planning-wealth-management) [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [4Thought Financial Group Wealth Management & Investment Methodology Overview](https://www.4tfg.com/resources/4thought-financial-group-wealth-management-and-investment-methodology-overview) In this educational introductory video, 4Thought Financial Group's executive team, Jesse Mackey, Brian Mackey, and Martin Levine, provide an overview of the firm's unique wealth management and investment methodology, and other characteristics that set it apart from the rest of the pack. \[fa icon="calendar'\] Oct 30, 2018, 12:17:41 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial)   4Thought Financial Group is a level-fee fiduciary Registered Investment Advisor providing coordinated [wealth management and financial planning](https://www.4tfg.com/resources/retainer-fee-based-financial-planning-wealth-management) services, involving four different areas: Investment Planning, Estate Planning, Fringe Benefits Planning, and Business Succession Planning. 4Thought Financial Group specializes in utilizing a unique strategic approach to [achieve clients' financial goals](https://www.4tfg.com/resources/how-to-determine-your-financial-planning-goals), leveraging Multi-Method Investing®, technology-driven quantitative analysis, and traditional financial planning services to redefine the traditional investing model. **4Thought Financial Group's executive team, Chief Investment Officer Jesse Mackey, Chief Executive Officer Brian Mackey, and Chief Financial Officer Martin Levine, outline the firm's unique [wealth management and investment methodology](https://www.4tfg.com/investment-methodology), and other characteristics that set it apart from the rest of the pack, in this introductory video, with a transcription provided below.** [Read More](https://www.4tfg.com/resources/4thought-financial-group-wealth-management-and-investment-methodology-overview) [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [Why CPAs Should Partner with a Retainer Fee-Based Financial Planning & Wealth Management Firm—Now](https://www.4tfg.com/resources/why-cpas-should-partner-with-a-retainer-fee-based-financial-planning-wealth-management-firm-now) Partnering with a retainer fee-based financial planning and wealth management firm holds many significant benefits for CPAs interested in providing personal financial planning services to clients, among these: reducing or eliminating conflicts of interest, facilitating better adherence to regulatory compliance, and improving alignment of incentives with clients’ financial objectives. It may provide access to fresh, innovative ideas, cutting-edge solutions, and deliver additional value for clients, while your team can focus on its core business. \[fa icon="calendar'\] Jun 6, 2018, 5:09:24 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) With tax season squarely in the rearview but for any lingering questions still circulating among clients regarding the recent federal tax overhaul’s *exact* ramifications on returns next year, now is the perfect time for CPAs to take stock of such concerns and inquiries, and assess their own individual places within the greater trajectory of the financial industry, overall. [Read More](https://www.4tfg.com/resources/why-cpas-should-partner-with-a-retainer-fee-based-financial-planning-wealth-management-firm-now) [Financial News](https://www.4tfg.com/resources) ,[Financial Professionals](https://www.4tfg.com/resources/topic/financial-professionals) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Pro Tips](https://www.4tfg.com/resources/topic/pro-tips) ## [“Conducting” the tax strategy of your clients](https://www.4tfg.com/resources/conducting-the-tax-strategy-of-your-clients) CPA's are always looking to mitigate their client's tax liabilities. CPA's can coordinate various parts of a client's investment strategy to accomplish this. \[fa icon="calendar'\] Apr 10, 2018, 10:00:00 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) A tax professional can act similarly to a “conductor” in an orchestra.  They direct the tune, the instruments used and how the end product sounds.  They can make the appropriate changes as they see fit and understand how powerful their actions are in making the show. [Read More](https://www.4tfg.com/resources/conducting-the-tax-strategy-of-your-clients) [Financial News](https://www.4tfg.com/resources) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ## [Longevity & Wealth Management](https://www.4tfg.com/resources/wealth-management-and-longevity) Resurgence in the quest to unlock the secrets of longevity presents significant implications for sound financial planning and wealth management strategies. \[fa icon="calendar'\] Jan 29, 2018, 5:50:07 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) Longevity has always been a human fascination, but advancements in medicine and technology have transformed this fascination into a present-day reality. [Read More](https://www.4tfg.com/resources/wealth-management-and-longevity) [All posts](https://www.4tfg.com/resources/all) [Next \[fa icon="angle-double-right"\]](https://www.4tfg.com/resources/topic/financial-planning/page/2) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **What Type of Investor Are You?** You have unique investment goals. We have a unique investment methodology. Take our questionnaire to see how our Multi-Method Investing® approach can help you better meet your financial goals. 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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) [Disclosure](https://www.4tfg.com/disclosure) [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); 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" : "Financial Planning | 4Thought Financial Group Resources", "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" } ``` ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Organization", "name" : "4Thought Financial Group" }, "dateModified" : "October 1, 2024, 12:00:00 PM", "datePublished" : "1970-01-01 00:00:00", "description" : "Financial Planning | 4Thought Financial Group Resources", "headline" : "Resources", "image" : { "@type" : "ImageObject", "url" : "" }, "mainEntityOfPage" : { "@id" : "https://www.4tfg.com/resources/topic/financial-planning", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png" }, "name" : "4Thought Financial Group" } } ```