4:8 Financial offers financial planning and investment management services through programs sponsored by LPL Financial. Financial planning covers areas like retirement, taxes, and insurance. Investment management is offered through Strategic Wealth Management, Optimum Market Portfolios, Model Wealth Portfolios, and Guided Wealth Portfolios. These programs use different investment strategies and have varying minimum account sizes. 4:8 Financial tailors its services to each client's goals and risk tolerance.
Fee Structure
4:8 Financial manages investments through LPL Financial's programs. The annual management fee for Optimum Market Portfolios, Guided Wealth Portfolios, and Model Wealth Portfolios ranges from 0% to 1.35%, and is negotiable. The fee is calculated and collected quarterly, in advance, based on the account’s prior quarter-end value. Guided Wealth Portfolios clients pay an LPL program fee of 0.35%.