About us

Dustin Metcalf, CRPC®, is the Founder and CEO of Four C Financial, bringing 16 years of experience as a licensed financial advisor. He holds his Series 7, 63, and 65 securities licenses and earned the Chartered Retirement Planning Counselor (CRPC®) designation — a credential that reflects his deep commitment to retirement-focused planning.

After years of working with retirees, Dustin saw a clear pattern: the most critical challenge his clients faced was not growing their money — it was turning it into a reliable, tax-efficient income stream in retirement. That insight led him to narrow the focus of Four C Financial entirely around income planning, helping clients develop a structured strategy for taking income in a way that maximizes what they keep after taxes.

His practice is focused on helping retirees, pre-retirees, and business owners answer the questions that matter most: How do I turn my savings into a reliable monthly paycheck? How do I protect against running out of money? How do I minimize taxes on withdrawals? At the center of his approach is time-segmented investing — a strategy that divides retirement assets into distinct time-based buckets so clients always have the right money in the right place at the right time. Near-term income needs are covered with stable assets, while longer-term money stays invested for growth. When clients have a structured, time-segmented income strategy, they can tune out short-term market noise and stay focused on long-term goals.

When he is not working with clients, Dustin has a passion for cooking and sports along with spending time with his wife Jamie and their four sons Cash, Carter, Crosby, and Cooper.

Ray Lucas leads The Planning Center. He coaches and consults with advisors and oversees the firm's training and development programs. Ray is a planning specialist who is available for case consultation and specialist advice.

Peter co-leads the Planning Center. He specializes in life insurance and wealth transfer using tax-advantaged life insurance strategies. He is available for insurance case consultation and will engage as a client-facing specialist.

Bill's talent lies in his ability to provide creative solutions to address the wealth accumulation, preservation, retirement, and estate planning needs of business owners and individuals. He is available for case consultation and will engage as a client-facing joint-worker.

Rich's role is to apply critical thinking skills as the foundation to tackle complex high net worth and business owner situations. By offering creative ideas for investment, estate, and charitable gifting strategies, Rich helps high-net-worth clients build legacies and create family dynasties. He is available for case consultation and will engage as a client-facing specialist.

Homer's unique ability rests in the discovery process. His role is to help successful families and business owners plan for and transition into the next act of their lives. As the coordination expert for clients, Homer works as a steward to guide clients through transitions and brings together a customized expert team dedicated to helping them navigate every step ahead.

Greg is experienced in building comprehensive financial plans via numerous planning and analytics platforms. He has accumulated significant knowledge with the use of multiple planning software. He is available for case consultation and will engage as a client-facing specialist.