Thinking about retirement
Understand how retirement timing, income, investments, taxes, Social Security, and other decisions work together.
Personal wealth management · St. Louis
We help you make sense of your whole financial life.
We help St. Louis families understand how the pieces of their financial life fit together—from investments and taxes to retirement, estate planning, and the decisions in between.
Financial decisions become more important when life starts changing.
Taking a fresh look at your finances
Bring your investments, financial plan, taxes, estate considerations, and priorities into a more coordinated strategy.
Facing an important family or financial decision
Evaluate the financial implications of major decisions before deciding what comes next.
Advice should
connect the dots.
Investment decisions don’t happen in isolation. Neither do retirement, taxes, estate planning, Social Security, charitable giving, or the decisions families make along the way. We help clients look at the complete picture and understand what those decisions mean for them.
Our StoryPeople you can
actually talk to.
We’re a boutique advisory firm built around long-term relationships, thoughtful advice, and being available when our clients need us.
Meet Our Team
Bogdan Niciu
Principal & Financial Advisor
Fess Crockett
Financial Advisor
Sarah Korpolinski
Client Services Representative
A conversation is the first step.
- 01
Tell us what’s on your mind
Share what prompted you to reach out and what questions you are trying to answer.
- 02
Get to know 4-C
We’ll learn more about your situation and explain how we work with clients.
- 03
Decide whether we’re a fit
If working together makes sense, we’ll discuss what comes next.
Start with the question
on your mind.
Tell us what you’re thinking about. We’ll start there.
Start a Conversation Not ready to talk yet? Take the Retirement Readiness Assessment →