--- title: 4Thought Financial Group Resources | Personal Investing description: Personal Investing | 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://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 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) # **Personal Investing Resources** SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Personal Investing](https://www.4tfg.com/resources/topic/personal-investing) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Advisor](https://www.4tfg.com/resources/topic/financial-advisor) ,[Wealth Management](https://www.4tfg.com/resources/topic/wealth-management) ,[Financial News](https://www.4tfg.com/resources/topic/financial-news) ## [Dispelling Frequently Cited Misconceptions About Retainer Fee-Based Financial Planning & Wealth Management](https://www.4tfg.com/resources/misconceptions-about-retainer-fee-based-financial-planning-wealth-management) From inaccuracies about cost and need to false expectations regarding contract obligations and services, this explainer dispels many of the common and frequently cited misconceptions about retainer fee-based financial planning and wealth management. \[fa icon="calendar'\] Aug 1, 2019, 2:29:52 PM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) [Retainer fee-based financial planning and wealth management](https://www.4tfg.com/resources/retainer-fee-based-financial-planning-wealth-management) services administered by trusted fiduciaries who act on your behalf can be instrumental in helping you achieve your lifelong financial goals. This includes developing a [financial plan most aligned with your objectives](https://www.4tfg.com/resources/do-you-have-a-personal-financial-plan), constantly revisiting and adjusting this so-called “fiscal roadmap” or “blueprint” in response to life events to ensure you remain on track, and providing insightful guidance to help navigate the various stages of your personal and professional life. [Read More](https://www.4tfg.com/resources/misconceptions-about-retainer-fee-based-financial-planning-wealth-management) [Financial News](https://www.4tfg.com/resources) ,[Personal Investing](https://www.4tfg.com/resources/topic/personal-investing) ,[Financial Professionals](https://www.4tfg.com/resources/topic/financial-professionals) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ## [Systematic Investing Specialization: The 4Thought Difference](https://www.4tfg.com/resources/systematic-investing-specialization-the-4thought-difference) We consider ourselves advocates for the idea of systematic savings and investment. \[fa icon="calendar'\] Jul 27, 2016, 10:49:41 AM / by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) We consider ourselves advocates for the idea of systematic savings and investment, and we have developed focused proprietary strategies to potentially maximize the benefits of this process for our investors. [Read More](https://www.4tfg.com/resources/systematic-investing-specialization-the-4thought-difference) [Financial News](https://www.4tfg.com/resources) ,[Personal Investing](https://www.4tfg.com/resources/topic/personal-investing) ,[Financial Professionals](https://www.4tfg.com/resources/topic/financial-professionals) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Financial Planning](https://www.4tfg.com/resources/topic/financial-planning) ,[Pro Tips](https://www.4tfg.com/resources/topic/pro-tips) ## [Why Use Exchange Traded Funds in Portfolio Management](https://www.4tfg.com/resources/why-use-exchange-traded-funds-in-portfolio-management) Exchange traded funds provide an easy, low-cost way to improve diversification and other aspects of the investment management process. \[fa icon="calendar'\] Jun 14, 2016, 5:58:03 PM / by [Jesse Mackey](https://www.4tfg.com/resources/author/jesse-mackey) *Why is this Topic Important to Wealth Managers? This blogticle represents a special series regarding advanced investing with ETFs. Recently there has been much discussion in the marketplace on the use of these tools and thus we present this topic for wealth managers who may consider these investment vehicles for their clients.* [Read More](https://www.4tfg.com/resources/why-use-exchange-traded-funds-in-portfolio-management) [Financial News](https://www.4tfg.com/resources) ,[Personal Investing](https://www.4tfg.com/resources/topic/personal-investing) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ## [Is The New Institutional Absolute Return Style of Investment Management Available for the Everyday Investor?](https://www.4tfg.com/resources/is-the-new-institutional-return-style-of-investment-management-available-for-the-everyday-investor) Institutional investment managers around the world are embracing an absolute return approach to investing. Individual investors can also utilize this approach. \[fa icon="calendar'\] Jun 10, 2016, 11:55:40 AM / by [Jesse Mackey](https://www.4tfg.com/resources/author/jesse-mackey) ### **The Move Towards Absolute Return in Parts of the Institutional Investing World** During the period from 2007-2009 much greater attention has been paid to the use of hedge-fund-like “absolute return” strategies amongst institutional asset management portfolio managers. The phrase “absolute return” is used to differentiate the concept from the more traditional “relative return” mandates. [Read More](https://www.4tfg.com/resources/is-the-new-institutional-return-style-of-investment-management-available-for-the-everyday-investor) [Financial News](https://www.4tfg.com/resources) ,[Personal Investing](https://www.4tfg.com/resources/topic/personal-investing) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ,[Pro Tips](https://www.4tfg.com/resources/topic/pro-tips) ## [Human vs. Robot: Winner Take All?](https://www.4tfg.com/resources/human-vs.-robot-winner-take-all) Financial technology is disrupting the world of traditional financial services. But human advisors that are prepared to adapt can capitalize on these changes. \[fa icon="calendar'\] Apr 13, 2016, 1:00:00 PM / by [Jesse Mackey](https://www.4tfg.com/resources/author/jesse-mackey) **Human vs. Robot: Winner Take All?** Nope (at least not for a while).There is a big discussion in the investment management and financial planning world about the disruptive impact of technological advances on the industry, and in particular, the possibility of the “robo-advisor” supplanting the traditional human advisor as the primary deliverer of financial services to the end user. For the unfamiliar, robo-advisor is the preferred term of the financial media to describe a variety of digitally-delivered online services that leverage technology to attempt to automate the bulk of (if not all of) the investment advisory services process for retail investors, and in some cases parts of the fee financial planning process. These services purport to provide a low-cost technology-dependent approach to personal financial life, with the early adopters having primarily come from the millennial demographic cohort. [Read More](https://www.4tfg.com/resources/human-vs.-robot-winner-take-all) [Financial News](https://www.4tfg.com/resources) ,[Personal Investing](https://www.4tfg.com/resources/topic/personal-investing) ,[Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) ## [The Modern Portfolio Theory Nightmare: When Negatively Correlated Assets Become Correlated](https://www.4tfg.com/resources/the-modern-portfolio-theory-nightmare-when-negatively-correlated-assets-become-correlated) Low and negative correlation asset returns are a cornerstone of Modern Portfolio Theory. But what happens when correlations rise and assets move in lock-step? \[fa icon="calendar'\] Dec 17, 2008, 11:00:00 AM / by [Jesse Mackey](https://www.4tfg.com/resources/author/jesse-mackey)   [Read More](https://www.4tfg.com/resources/the-modern-portfolio-theory-nightmare-when-negatively-correlated-assets-become-correlated) [All posts](https://www.4tfg.com/resources/all) ## 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. [Launch Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ### Resource Topics [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) [Frequently Asked Questions](https://www.4tfg.com/faq/) [Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) ### Recent Articles [--- ![Bear-Bull-Wolf-Eagle-Market-Icons](https://www.4tfg.com/hs-fs/hubfs/Bear-Bull-Wolf-Eagle-Market-Icons.png?width=600&name=Bear-Bull-Wolf-Eagle-Market-Icons.png)](https://www.4tfg.com/bear-bull-wolf-eagle-markets) - [Call 1-516-300-1617](tel:+15163001617) - [Email info@4tfg.com](mailto:info@4tfg.com) - ABOUT 4THOUGHT [Investment Philosophy](https://www.4tfg.com/investment-methodology) [Management Team](https://www.4tfg.com/management) [In the Media](https://www.4tfg.com/media) [Sign Up](https://www.4tfg.com/sign-up)[Contact](https://www.4tfg.com/contact) SERVICES [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 [Financial News](https://www.4tfg.com/resources) [Investment Performance](https://www.4tfg.com/performance-requests) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education) About 4Thought [Investment Philosophy](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 [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) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) [Private Wealth Management](https://www.4tfg.com/wealth-management) Resources [Financial News](https://www.4tfg.com/resources/) [Investment Performance](https://www.4tfg.com/investment-performance-services) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education) [Investing Questionnaire](https://4tfg.typeform.com/to/ZRF2dJ) ![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png "4Thought Financial Group") The information provided by 4Thought is educational only and is not to be interpreted or construed as investment or tax advice. © 2026 4Thought Financial Group Inc. 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" : "Personal Investing | 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" : "Personal Investing | 4Thought Financial Group Resources", "headline" : "Resources", "image" : { "@type" : "ImageObject", "url" : "" }, "mainEntityOfPage" : { "@id" : "https://www.4tfg.com/resources/topic/personal-investing", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "http://cdn2.hubspot.net/hubfs/2201374/4thought_header-logo.png" }, "name" : "4Thought Financial Group" } } ```