Dear Prospective Client,

For over two decades I was a consultant that helped executives at FORTUNE 500 firms craft business and profit improvement plans.  This business and financial planning experience honed my ability to help clients set goals, develop priorities, and create wealth-building action plans.  After careful consideration, I left business financial planning and transitioned to individual wealth planning.  While the transition has been a natural progression, the transition was caused by four separate events:

• A family member died prematurely.  My brother-in-law was a successful bank executive who died leaving a grieving wife and two small children.  Unfortunately he did what many of us have done.  He put off some of the more unexciting financial things he knew he should do, but just didn’t have the time to complete.  Examination of his desk drawers revealed a life insurance application that was 90% complete, dated one year before his death.  My desire became: How can I help others with the critical financial matters that may be low on the “to do” list?  How can I help people implement needed actions?
  
  
• Soon after my brother-in-law passed away, another older family member died.  This individual had accumulated a nice estate and had the right insurance.  Unfortunately the needed record-keeping was not readily available. Finding all the needed paperwork took several weeks of frantic digging.  None of the family’s advisors took a lead role, and no one knew the entire financial situation. As a result the grieving widow had to assume the responsibility for gathering all the needed information and coordinating all the lawyers, accountants, and advisors.  My desire became: How can I help others with essential record-keeping and become a “point person” for financial matters, coordinating accountants and other legal advisors?
  
  
• Another relative has lived longer than anyone expected.  He was president of a small company and through his hard work he had built a comfortable nest egg.  Unfortunately he only had a defensive financial strategy.  His extremely conservative investment approach has resulted in giving him a comfortable retirement, but without the wealth transfer he always intended to give his children.  Medical inflation and low, but safe, investment returns resulted in a significantly reduced net worth.  My desire became:  How can I help others with conservative, but prudent investing?
  
  
• The fourth event involved a good friend of mine who had a six-figure income.  Unfortunately, he is now facing bankruptcy.  After talking with him I realized that without any specific financial goals or any documented plan, his financial situation had been gutted by a few poor decisions.  Without a plan, his ability to evaluate spending and investment opportunities was weakened.  My desire became:  How can I put my planning expertise to use for high earning families?

These desires led to the building of 4-C Personal Wealth Management Consultants.  We use many of the tools used in business planning such as goal setting, cash-flow analysis, action plans, and monthly review meetings to help individuals grow, protect, and enjoy their wealth.  We call ourselves consultants because we are the combination of being relationship and analytically oriented.

Our goal at 4-C is to help our clients foresee their financial future through:

• Comprehensive wealth planning
• Cutting-edge portfolio management
• Coordinated implementation plan
• Conservative bias

Hopefully our firm will help you foresee your financial future!

Sincerely,

Fess Crockett

President
4-C Personal Wealth Management Consultants