--- title: Retirement description: Retirement image: https://www.4tfg.com/hubfs/4Thought-Financial-Group-OG.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/?hsLang=en-gb) - [![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) ![Older man in blue shirt sitting outdoors on wooden bench looking away](https://www.4tfg.com/hs-fs/hubfs/new%20images/4tfg-retirement-hero.jpg?width=1600&name=4tfg-retirement-hero.jpg "Older man in blue shirt sitting outdoors on wooden bench looking away") # Retirement Plan Services Employer-Sponsored Defined Contribution and Defined Benefit Plans ## As a 401k Plan Sponsor, there is a lot riding on the decisions you make. ***ASK YOURSELF:*** - Are your employees receiving **the qualified plan services they deserve and require** to achieve their retirement goals? - When they call to check the status of their benefits plans, **does a human answer the phone**? - When was the last time you **updated your company’s retirement plan**? Is it out of date, or even out of compliance with regulations? Did you know you are **legally liable if it is**? - Does your preferred retirement services provider **act in the best interests of your retirement plan** and those of your employees? Do they manage the underlying investments **on a fiduciary basis**, too? ### If Your Retirement Plan Is Out Of Date Or In Non‑Compliance, [You Are At Risk](https://www.4tfg.com/resources/if-your-retirement-plan-is-out-of-date-or-in-non-compliance-you-are-at-risk?hsLang=en-gb). Free Download ![Retirement-Plan--Sponsors-PDF-Mockup.jpg](https://www.4tfg.com/hs-fs/hubfs/Collateral/Retirement-Plan--Sponsors-PDF-Mockup.jpg?width=800&name=Retirement-Plan--Sponsors-PDF-Mockup.jpg "Retirement-Plan--Sponsors-PDF-Mockup.jpg") ### **401k Plan Sponsor Information** Learn more about the benefits of switching your 401k and Retirement Plan Services to **4Thought Financial Group** in this overview for plan sponsors. [View the PDF](https://www.4tfg.com/hubfs/Collateral/4Thought_RetirementPlanServices-Sponsor.pdf?hsLang=en-gb) [Save the PDF](https://www.4tfg.com/hubfs/Collateral/4Thought_RetirementPlanServices-Sponsor.pdf.zip?hsLang=en-gb) ### **It’s Time To Switch Your Retirement Plan Services** Wealth management firm 4Thought Financial Group is a “Level Fee Fiduciary” Registered Investment Adviser (RIA) located in Syosset, NY specializing in formulaic, data-driven strategies designed to achieve clients’ financial goals. Its Retirement Plan Services encompass Defined Contribution and Defined Benefit Plans, and provide Managed Account investment options and allocation approaches designed to match each plan participant’s investment portfolio with their individual profile. ## 4Thought Retirement Plan Services Provides Your Business With A Versatile Solution, Which Includes: ## Fiduciary Responsibility 4Thought Financial Group is an SEC Registered Investment Adviser (RIA), and as fiduciaries we are required to place our clients’ interests before our own. But under the Employee Retirement Income Security Act of 1974 (ERISA), businesses that install and sponsor a retirement plan for their employees are also required to similarly act as fiduciaries for their own plan participants. This can place a heavy mental, legal, and operational burden on a business. To aid you in shouldering this burden, 4Thought assumes the responsibility of an ERISA 3(38) Fiduciary in our Retirement Plan Services program, which allows you to transfer the bulk of your own fiduciary responsibility and liability for the selection and management of investments within the plan to us, leaving you free to run your business. ## Bundled Services **Investment Advisory Services, Custody, and Brokerage In One Package** Keeping things simple and cost effective for you and your employees is important to us, so we offer our investment advisory services as a single asset-based wrap fee bundled with the services of third party firms that will provide your securities custody and brokerage services. We’ve pre-selected these providers as partners based on quality and cost-effectiveness and also pre-negotiated their pricing for you. Each component of the total asset based wrap fee (which is deducted directly from plan participant accounts) is disclosed to you and your participants in writing. 4Thought’s compensation for services is derived solely from this percentage-of-assets wrap fee, an arrangement which we believe provides the best alignment of our incentives with your interests and those of your plan participants. Third Party Administration (TPA) services are unbundled and charged separately from the remainder of the above-mentioned asset-based fee costs, and are generally billed directly to you as the plan sponsor. This allows you the flexibility to use either a TPA that we refer you to, or a TPA of your choosing (if you have a preference). 4Thought does not accept any fees for referring plan sponsors to TPAs. ## Unique Investment Methodology ![Multi-Method-Investing-Bear](https://www.4tfg.com/hs-fs/hubfs/Multi-Method-Investing-Bear.png?width=200&name=Multi-Method-Investing-Bear.png "Multi-Method-Investing-Bear") ### **Bear Markets** Characterized by investor fear and declining asset prices, a Bear market will be best attacked using Liability-Driven Investing. ![Multi-Method-Investing-Bull](https://www.4tfg.com/hs-fs/hubfs/Multi-Method-Investing-Bull.png?width=200&name=Multi-Method-Investing-Bull.png "Multi-Method-Investing-Bull") ### **Bull Markets** Characterized by investor confidence and rising asset prices, a Bull market will be best attacked using Strategic Asset Allocation. ![Multi-Method-Investing-Wolf](https://www.4tfg.com/hs-fs/hubfs/Multi-Method-Investing-Wolf.png?width=200&name=Multi-Method-Investing-Wolf.png "Multi-Method-Investing-Wolf") ### **Wolf Markets** Characterized by investor uncertainty and volatile or sideways asset prices, a Wolf market will be best attacked using Opportunistic Investing. ![Multi-Method-Investing-Eagle](https://www.4tfg.com/hs-fs/hubfs/Multi-Method-Investing-Eagle.png?width=200&name=Multi-Method-Investing-Eagle.png "Multi-Method-Investing-Eagle") ### **Eagle Markets** Characterized by investor exuberance and soaring asset prices, an Eagle Market will be best attacked using Selective / Concentrated Investing. ### **Multi-Method Investing® for Bear, Bull, Wolf, and Eagle Markets** The uniqueness of the 4Thought Retirement Plan Services program is in our [Multi-Method Investing® approach](https://www.4tfg.com/investing?hsLang=en-gb). When we look at the world of investment management, we can break it down into 4 primary categories of investment method that can be used by an investor to attempt to achieve his or her goals. We’ve found through both proprietary and third-party research that no single one of these methods is effective in all scenarios, but instead that each approach tends to have a particular market environment or part of the market cycle to which it is very well adapted. Our conclusion is that in order to achieve one’s life goals, one should diversify at the level of investment method, applying the most effective aspects of multiple completely divergent methods of investing, and not be dogmatic about using a single method. **The broad categories of investment methods can be seen as four pillars of a complete investment portfolio management methodology:** - Liability-Driven Investing—For Bear Markets - Strategic Asset Allocation—For Bull Markets - Opportunistic Investing—For Wolf Markets - Selective/Concentrated Investing—For Eagle Markets ## Multiple Account Management Options ### **Two Options for Account Management With One Level Fee** Your plan participants will be able to choose from two options that determine 4Thought’s degree of involvement in the management of their retirement plan portfolio. Assets managed via both options are charged the same level percentage asset-based fee to ensure that advisors and 4Thought have no incentive to recommend the use of one option over another. ### **1. Questionnaire-Based Allocation Using Separately Managed Accounts:** 4Thought offers a selection of professionally managed separate account strategies to the plan, each of which is managed by an algorithmic process designed to achieve a certain investment objective and risk profile. With the completion of a questionnaire, 4Thought directs plan participants to an appropriate diversified managed portfolio for their particular situation. This allows participants to customize how they want us to manage their account for them based on factors such as time horizon, risk tolerance, and income needs. The program uses a separate custodial account for each plan participant, giving each person a transparent view of the exchange traded funds and individual securities held in their account at any given time. We’re now able to provide this Separately Managed Account approach to all participants (even those that’ve just started investing) whereas the same approach has historically only been feasible for relatively large initial investments when implemented outside of a corporate retirement plan. In addition to more traditional equity and fixed income strategies, the separate account strategies offered include the use of liquid low-cost alternatives to hedge funds and private equity – risk exposures that are normally not made available within company retirement plans and are usually only available to accredited investors when found outside plans. If participants do not make an affirmative election of their investment choice during plan enrollment they will automatically be invested in the “Qualified Default Investment Alternative” (QDIA), with is a diversified “balanced portfolio” separately managed account strategy (until they provide instructions otherwise). ### **2. Self-Guided Allocation Using ETFs and Other Options:** In this option the do-it-yourself participant may take direct control to create and manage their own portfolio. They may select from an “Exchange Traded Funds and Other Options” list in any percentage combination they choose. 4Thought will curate the plan’s list of available investment options and will periodically add or remove investments to ensure it continues to satisfy the needs of the retirement plan as a whole. ### For Plan Participants [![View Existing Account Information](https://no-cache.hubspot.com/cta/default/2201374/7c55f412-eb47-48ad-899c-4c3a1e9c731e.png)](https://cta-redirect.hubspot.com/cta/redirect/2201374/7c55f412-eb47-48ad-899c-4c3a1e9c731e) [![Choose or Update Your Investment Elections](https://no-cache.hubspot.com/cta/default/2201374/b5bc16b8-52ba-4c11-9b96-4e5103826e46.png)](https://cta-redirect.hubspot.com/cta/redirect/2201374/b5bc16b8-52ba-4c11-9b96-4e5103826e46) ## Learn More About 4Thought Retirement Plan Services ### **Whether you're a plan sponsor or participant, 4Thought has the retirement solution to achieve your goals.** 4Thought Financial Group utilizes the most effective aspects of technology and human interaction to create the retirement plan best aligned with achieving your financial goals and life dreams. Plan sponsors and participants both benefit from 4Thought's unique investment methodology, experience, and commitment to clients. **4Thought Retirement Plan Services' versatile solution includes:** - **Fiduciary Responsibility**: As an SEC Registered Investment Adviser (RIA) and ERISA 3(38) Fiduciary Investment Manager, we not only act in our clients' best interests, but also assume the bulk of this responsibility for plan sponsors. - **Bundled Services**: Investment advisory, portfolio management, securities custody, brokerage services, and more—we do it all for a single asset-based wrap fee. - **Unique Investment Methodology**: We apply the most effective aspects of four divergent strategies to maximize efficiencies and accomplish objectives. - **Multiple Account Management Options**: We offer two levels of service and management dependent upon your desired degree of involvement, including questionnaire-based, and self-guided allocations. ### Contact Us for More Information on Retirement Plan Services - [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?hsLang=en-gb) [Management Team](https://www.4tfg.com/management?hsLang=en-gb) [In the Media](https://www.4tfg.com/media?hsLang=en-gb) [Sign Up](https://www.4tfg.com/sign-up?hsLang=en-gb)[Contact](https://www.4tfg.com/contact?hsLang=en-gb) SERVICES [Private Individual Investing](https://www.4tfg.com/investing?hsLang=en-gb) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions?hsLang=en-gb) [Services for CPAs](https://www.4tfg.com/cpa-investing-services?hsLang=en-gb) [Private Wealth Management](https://www.4tfg.com/wealth-management?hsLang=en-gb) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services?hsLang=en-gb) RESOURCES [Financial News](https://www.4tfg.com/resources?hsLang=en-gb) [Investment Performance](https://www.4tfg.com/performance-requests?hsLang=en-gb) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education?hsLang=en-gb) About 4Thought [Investment Philosophy](https://www.4tfg.com/investment-methodology?hsLang=en-gb) [Management Team](https://www.4tfg.com/management?hsLang=en-gb) [In the Media](https://www.4tfg.com/media?hsLang=en-gb)[Contact](https://www.4tfg.com/contact?hsLang=en-gb) Services [Private Individual Investing](https://www.4tfg.com/investing?hsLang=en-gb) [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions?hsLang=en-gb) [Services for CPAs](https://www.4tfg.com/cpa-investing-services?hsLang=en-gb) [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services?hsLang=en-gb) [Private Wealth Management](https://www.4tfg.com/wealth-management?hsLang=en-gb) Resources [Financial News](https://www.4tfg.com/resources/?hsLang=en-gb) [Investment Performance](https://www.4tfg.com/investment-performance-services?hsLang=en-gb) [CPA Continuing Education](https://www.4tfg.com/CPE-continuing-education?hsLang=en-gb) [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?hsLang=en-gb) [Disclosure](https://www.4tfg.com/disclosure?hsLang=en-gb) [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?hsLang=en-gb); 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?hsLang=en-gb) [Disclosure](https://www.4tfg.com/disclosure?hsLang=en-gb) [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?hsLang=en-gb); or by phone at (516) 300-1617. ## Saving Enough for Retirement? ### It only takes several minutes to learn if your retirement plan is on track. Start with 4Thought ```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" : "Retirement", "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" } ```