Four Ponds Financial Planning
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Learn more about Four Ponds Financial Planning
Four Ponds Financial Planning operates as an advisory company headquartered in Mashpee, Massachusetts. The company handles $121.7 million in total assets throughout 333 customer accounts, placing it in the mid-tier of financial advisory firms in the United States by assets under management (AUM). It has a small team, including 3 financial advisors. Four Ponds Financial Planning is not a registered broker-dealer, meaning the firm is not able to buy and sell securities for its accounts and those of its customers and instead has to go through a broker-dealer company to do so. Securities are defined as exchangable fiscal assets like bonds, options and stocks.
Four Ponds Financial Planning administers more than half of the company's accounts on a discretionary basis. Discretionary management is a structure in which buy and sell choices are made by a portfolio manager without needing the customer's permission. Four Ponds Financial Planning also has 14 non-discretionary accounts totaling $10.6 million in assets under management. Four Ponds Financial Planning manages about $365,505 for each customer account. The average advisor at Four Ponds Financial Planning oversees around 111 client accounts.
The company's main office is located at 13 Steeple Street, Mashpee, Massachusetts 2649. Four Ponds Financial Planning is legally registered to provide services to customers across 6 states, including Maine, Massachusetts, New Hampshire, Rhode Island, South Carolina and Texas.
Assets Under Management
Number of Advisors
Four Ponds Financial Planning by the Numbers
Products and Services
Four Ponds Financial Planning provides multiple services, which can consist of financial planning services, portfolio management for individuals and small businesses, selection of other advisers and educational seminars. In the prior fiscal year, Four Ponds Financial Planning provided 26-50 of its accounts with financial planning services. The firm is not engaged in selling products or offering services aside from investment advisory services to its investment advisory customers.
Core Advisor Services
Offered by 31% of firms
Financial Planning Services
This is the process of planning for your financial future, including for events such as retirement, your child's college education or estate succession.
Offered by 46% of firms
This is the selection and management of an investment mix and portfolio strategy for individuals and small businesses.
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Market Timing Services
This is the practice of attempting to make short-term profits on investments by buying low and selling high.
Offered by 20% of firms
Selection of Other Advisors
This is the firm's assistance with choosing other advisors to work with who may have different specialties.
Find a firm that offers this service
Publication of Periodicals
This is the publication of various financial education materials.
Offered by 6% of firms
This is the hosting of seminars or workshops to educate investors on financial concepts.
A financial advisor's fees usually are based on which service is provided. Fees charged by the firm most likely include some combination of the following fee structures: asset-based, hourly or fixed. Four Ponds Financial Planning does not provide a wrap fee program, in which the company offers a service bundle for a single fee.
Offered by 69% of firms
Percentage of AssetsShow Explanation
This fee, which is the most common fee type charged by advisors for portfolio management, is based on the amount of assets you have under management. Also referred to as an asset-based fee, this fee typically ranges from 0.50%-2.00% of AUM annually. You'll typically pay a lower rate the more assets you have under management.
Offered by 21% of firms
Like a lawyer, a financial advisor may charge you by the hour. This can be helpful if you are only looking for short-term or one-time advice. Rates typically range from $100-$300 per hour, depending on the complexity and level of services needed.
Offered by 32% of firms
Fixed fees are a one-time, lump sum charged for a specific service, like the creation of a financial plan without subsequent implementation. This can be useful if you only need advice for one specific purpose, rather than a long-term advisor. Fixed fees usually range from $1,000 to $3,000.
Find one of the 1% of firms that offer this fee type
Occasionally, advisors earn commissions from selling financial products, such as securities or insurance policies, or making certain referrals or transactions. Advisors who earn commissions may be incentivized to make certain recommendations to clients in order to make a commission. Fee-only advisors do not earn commissions, while fee-based advisors may.
Find one of the 26% of firms that offer this fee type
Advisors only earn performance-based fees if a portfolio outperforms a defined benchmark. This fee may be calculated in a number of ways but most commonly is charged as a percentage of investment profits. Performance-based fees may incentivize advisors to make riskier decisions in order to generate higher returns.
Find one of the 0% of firms that offer this fee type
Firms generally charge this fee for educational materials provided, such as a monthly magazine. This can be useful if you want to learn about investing or financial management on your own.
Find one of the 10% of firms that offer this fee type
Firms can sometimes charge customers using non-traditional fee structures. See this firm's Form ADV for more details.
Types of Clients
The company provides services to retail investors and high net worth investors. Out of its 333 accounts, Four Ponds Financial Planning's biggest client is high net worth investors, but it also manages money for 56 high-net-worth individuals. The SEC defines a high-net-worth individual as someone who has at least $750,000 in AUM or a net worth of more than $1.50 million or who is deemed a "qualified purchaser" (a standard met by having at least $5 million in investments). None of its clients are represented by people from outside of the U.S.
- High-Net-Worth Individuals* - 50.91%
- Other Individuals - 49.09%
- Corporations - 0%
- Charitable Organizations - 0%
* The U.S. Securities and Exchange Commission (SEC) defines a high-net-worth individual as someone who has at least $750,000 under management.
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Four Ponds Financial Planning does not have any disclosures.
Please visit its Form ADV for more details.
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Financial Advisors at Four Ponds Financial Planning
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