Retirement Income Planning
We build personalized income plans designed to generate reliable monthly income throughout every stage of retirement — coordinating Social Security, RMDs, and the 5-Bucket Strategy.
Financial Services Tailored to Where You Are in Life
Whether you're approaching retirement, living in it, or building a business — we have a strategy designed for you.
Retirement Income Planning
Design a personalized income plan using the 5-Bucket Strategy
Coordinate Social Security timing, RMDs, and healthcare cost planning
Build predictable, sustainable monthly income for every stage of retirement
The 5-Bucket Strategy
Our signature planning framework divides your assets into 5 time-based buckets — from immediate cash needs to long-term legacy — so each dollar has a job and your income never runs dry.
The 5-Bucket Strategy
Organize your assets across 5 time horizons — from cash now to legacy later
Each bucket has a specific purpose, investment approach, and timeline
As buckets are spent, we systematically refill them to keep your income on track
Business Owner Exit Planning
We help business owners maximize what they've built — structuring a tax-efficient sale and converting proceeds into lifetime income. We'll work alongside your existing M&A attorney and CPA, or connect you with our team of trusted resources.
Business Owner Exit Planning
Structure your sale to minimize taxes before you sign
Convert proceeds into a lifetime income plan using the 5-Bucket Strategy
Work alongside your M&A attorney and CPA throughout the entire exit process
Complimentary Estate Planning Tools
Through our partnership with Trust&Will.com, clients receive complimentary access to living trusts, wills, and healthcare directives — protecting your legacy at no additional cost.
Complimentary Estate Planning Tools
Access complimentary trust, will, and estate documents through our Trust & Will partnership
Create or update living trusts, wills, and healthcare directives at no additional cost
Protect your legacy and ensure your wishes are carried out with confidence
Tax planning/credit-based solutions
We take a proactive approach to reducing your lifetime tax burden — using withdrawal sequencing, Roth conversions, and tax-loss harvesting, backed by semi-annual tax planning reviews.
Tax planning/credit-based solutions
Implement tax-smart withdrawal sequencing to reduce lifetime tax burden
Take advantage of Roth conversion strategies and tax-loss harvesting opportunities
Receive semi-annual tax summaries with proactive planning recommendations
Generational wealth transfer
We help you build a thoughtful legacy plan — coordinating beneficiary designations, titling, and charitable giving strategies to preserve and transfer your wealth to the people and causes you care about.
Generational wealth transfer
Develop a structured estate transfer plan designed to protect your heirs
Coordinate beneficiary designations, titling, and charitable giving strategies
Preserve your legacy with a plan that reflects your values and goals
Many investors are placed into portfolios that don’t accurately reflect their risk tolerance. Four C Financial has partnered with TIFIN Risk to help us better align with our clients on appropriate risk profiles and investment strategies. TIFIN takes a holistic, multi-scoring approach to assess our clients’ risk preferences, risk capacity, and relevant life details to help position them for suitable investment portfolios.
One of the most important aspects of our client process is making sure that we understand our clients. Helping both of us see the big picture is essential to our ongoing communication and guidance.
We build a custom Asset-Map Report for all of our clients’ households and use it throughout our interactions to make sense of priorities and intentions as well as gaps and areas of improvement.
55ip * is a financial technology company whose purpose is to break down barriers to financial progress, and by that we mean taxes. We use 55ip’s tax-smart investment strategy engine to help drive better outcomes for clients through:
• Tax-smart transitions that break down the tax barrier often standing in the way of transitioning a portfolio.
• Tax-smart management puts automated, ongoing tax-loss harvesting to work to seek better after-tax outcomes.
• Tax-smart withdrawals meet liquidity needs while keeping investment strategies on track.
Through our partnership with 55ip, Four C Financial can work with you to review your portfolio and determine whether tax-smart investment management may benefit your long-term wealth creation goals.
* Four C Financial in not affiliated with 55ip
Four C Financial utilizes many investment managers to help achieve our client’s ideal asset allocation. One manager we work closely with on behalf of our clients is BlackRock. Using a consultative approach, we can build custom portfolios based on your specific goals and can help manage your portfolio in seeking to meet your evolving investment needs.
