4Thought Financial Group offers investment management and financial planning services to individuals, families, trusts, pension plans, corporations, and non-profit organizations. Investment services include directly managed accounts, introductions to third-party investment programs, and independent portfolio advisory. Financial planning covers investment, retirement, education, estate, and business succession planning. 4Thought also provides support to other registered investment advisors and non-RIA solicitors.
Fee Structure
4Thought Financial Group manages investment portfolios for clients, charging an annual fee based on the amount invested. The fee covers investment advice, transaction execution, custody, and electronic reporting. The annual fee ranges are:
- $0 - $10,000,000: 0.55% - 1.85%
- $10,000,000+: 0.35% - 1.65%
These fees apply to both model-driven and custom portfolios. Minimum initial investments are $500 for non-qualified accounts and $10,000 for qualified accounts, but these may be waived in certain circumstances. The exact fee is determined by the advisor or management and disclosed in the Investment Advisory Agreement.