4 Seasons Advisors

4 Seasons Advisors is a small registered investment adviser that serves individual clients with ongoing investment supervisory services and standalone financial planning; the firm’s brochure states it manages approximately $2,000,000 in client assets and prepares an Investment Policy Statement for each client. It generally limits investment recommendations to mutual funds, equities, and ETFs and also provides insurance-related advice and products as part of its service offering.

The firm documents client goals, risk tolerance, and time horizon in an Investment Policy Statement and uses fundamental and cyclical analysis with a long-term trading orientation, providing regular portfolio monitoring and at least annual account reviews. The brochure indicates the adviser has discretionary authority to manage client accounts and typically executes trades through a specified custodian, using block trading when appropriate.

Distinctive aspects noted in the brochure include that the firm’s principals are licensed insurance agents and may offer commissionable insurance products, a potential conflict of interest the firm discloses while stating clients are not required to purchase through them. The firm also manages assets internally without selecting third‑party managers, does not participate in wrap-fee programs, and maintains limited custody only to facilitate direct fee deductions, operational features that may differ from many peers.