Investment Management

keeping our heads while those around us lose theirs.

F4 Investment Models – risk based models custom built to meet your needs and stage of life.

  • Simplicity- As our clients delegate their long-term investment management and wealth planning to us, they find that their own lives are enriched. They have passions to pursue and families with whom to connect. While strategies may be complex, the delivery is best left simple.
  • Goal Driven Investing: As our client, you do not invest for the sake of investing. You invest to meet a need or desire, goal or aspiration. Investing is a means to an end. And since no one has control over the results, we focus our attention on the processes that will lead to success. Our best athletes, leading scientists, creative educators, and successful investors realize that performance is not a goal, performance is a result.
  • Not in your Favor: The majority of the financial services industry focuses on things they cannot control: Past performance, active managers that use forecasting to pick stocks and/or time markets. With this come higher expenses, trading costs, and excess risk from forecasting.

Balancing Risk and Return: To balance the risk of the equity markets, we utilize various fixed income strategies. Understanding our clients different risk profiles is paramount to managing our clients’ expectations.

F4 Fixed Income Investing - The bond market offers you different mixes of liquidity, term, credit, currency and interest rate exposure, and the key for any investor is to understand where they stand in this mix and how it is likely to behave under different market conditions.

F4 Individuals and Families

F4 considers its reputation a precious asset- as a trusted advisor; the firm conducts all dealings with the utmost confidentiality and integrity. The firm’s objective recommendations reflect the trust implicit in a successful long-term relationship. As the steward of your wealth, we use third party custodians such as Fidelity, TD Ameritrade and Pershing to manage your accounts from their platform.

Transparency- F4 clients always have access to their accounts via online access directly with their custodian. Our Investment management fees are based on the assets we manage and are always fully disclosed prior to engagement. We also provide additional technology in the form of online access to performance reports and access to your own personal F4 financial dashboard. Learn more about our Services and Technology

F4 Factor Investment Models
  • Our f4 Core Investment Model is available for clients with $500,000+ of investable assets.
  • Our f4 Enhanced Investment Model is available for clients with $1.5mil+ of investable assets.

To find out more

Retirement Partners

We are proud to work with companies to provide a collaborative, transparent, and participant driven retirement plan experience.

Retirement plans we service: 401k Plans, Profit Sharing Plans, Pensions, Deferred Compensation Plans, and Single Employer plans.

F4 Retirement Partners offers two types of Plan Management services for our clients:

1. Asset based or flat fees for 401k plans and other Qualified Retirement Plans as outlined below based on total plan assets.

F4 Client Fee Schedule
Breakpoints and Fees Account Value Annualized Asset Based Fee (tiered)
$1,000,000-$3,000,000 0.50%
$3,000,0001 - $5,000,000 0.40%
$5,000,001- $25,000,000 Typically a flat fee
$25,000,000+ Flat Fee Pricing

2. F4 Consultant- Perhaps you have an existing Retirement plan. You have questions about fees, investments, the fiduciary obligations of the plan and its owners, employees and advisors. We can be hired to provide a benchmarking of your current plan, take your plan to market through the Request for Proposal process, help you interview advisors or self-directed plan options and give you guidance on making the best decision for your company and its employees.

Consultancy services can be a one-time engagement or part of an ongoing retainer relationship. Contact us to set up a meeting so we can understand the full scope of your situation

F4 Institutional Partners - Non Profits and Foundations

We are proud to work with Non-Profits, Endowments, Foundations, and Municipalities to provide a collaborative and transparent investing experience. There has been a paradigm shift of the investment philosophies of large endowments and foundations. They are finally seeing the light that fees matter. Hedge Funds and other actively managed stock picking strategies are being dumped for the academic approach to a lower cost “asset class” investing model. F4 espouses this model and we would be happy to increase your odds of success and increase your fiduciary awareness.

For our institutional clients, support is offered to the office of finance and investment committee, with full support on investment policy statements, gift acceptance policies, audits, and governance. As the steward of your wealth, we never take possession of your investments; we use third party custodians such as Fidelity and TD Ameritrade and manage your portfolios for you from their platform.

F4 Institutional Fee Schedule
Breakpoints and Fees Account Value Annualized Asset Based Fee (tiered)
$0 - $2,000,000 0.75%
$2,000,001 - $5,000,000 0.65%
$5,000,001 - $10,000,000 0.50%
$10,000,001 + 0.30% or Flat Fee

F4 Consultant – We can work on a retainer basis for Institutions and Non-Profits that would like an analysis of their investments, review of investment policy statement, fiduciary policies, or would like our firm to conduct a third party RFP.

Should you have interest in any of our programs or would like us to bid for an upcoming Request for Proposal, please contact us