Four Quarters Capital

Four Quarters Capital provides investment management and ongoing financial planning to individuals, families, estates, trusts, foundations, endowments, charitable organizations, and both defined benefit and defined contribution plans. Financial planning is offered only as an ongoing service to investment management clients rather than as a standalone product, and the firm facilitates workplace retirement account management through a referral arrangement with a third‑party platform.

As a fiduciary, the firm emphasizes long‑term, asset‑allocation driven strategies grounded in modern portfolio theory and selects investments from a broad mix of mutual funds, ETFs, buffered UITs, closed‑end funds, equities, fixed income, REITs, MLPs and private real estate where appropriate. Accounts may be managed on either a discretionary or non‑discretionary basis, are reviewed quarterly, and the brochure explicitly discloses the material risks associated with its recommended strategies.

Noteworthy items in the brochure include an affiliation with insurance activities: the firm’s principal is a licensed insurance agent who may offer commissionable insurance products through a separate insurance practice, a relationship the firm discloses as a potential conflict of interest. The firm also discloses a promoter/referral fee arrangement with Absolute Capital for workplace retirement plans and reports $0 in discretionary assets under management as of April 1, 2025 despite presenting a tiered percentage‑of‑AUM fee schedule and illustrative billing examples.