Forty4 Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$32,600,000
Clients
43
33% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
43
HighAverage account size
$758,140
About
Forty4 Financial serves individuals, high‑net‑worth individuals, trusts, estates, businesses, and retirement plans with discretionary investment management, financial planning, and retirement‑plan advisory services. The firm is an independent, single‑advisor practice managing roughly $33.2 million for about 43 clients and provides ongoing portfolio supervision and planning engagements.
The firm constructs customized portfolios primarily using ETFs and diversified mutual funds, supplemented with individual securities or legacy holdings when appropriate, and applies fundamental analysis with a generally long‑term focus. Forty4 Financial acts as a fiduciary across engagements and, when applicable, uses third‑party tools to manage held‑away participant accounts and provide investment discretion for defined contribution plan participants without taking custody of client assets.
What distinguishes the firm from many solo independent advisers is its active provision of retirement plan advisory services—delivering investment oversight, investment policy statement design and monitoring, participant enrollment/education tracking, and performance reporting for plan sponsors. The advisor also maintains an institutional relationship with a custodian platform for account custody and technology support and uses a specialist participant‑access platform to facilitate management of workplace retirement accounts, a combination that is less common among firms of this size and structure.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
General retirement planning
Retirement income strategy
Wealth management
Occupation focus
Founder/Business Owner
Retired
Fee options
Financial planning fixed engagement fees negotiated based on expected hours; estimate provided prior to engagement
$0+: 0.40% to 2.50% annually for investment management services (negotiable and based on factors including asset level and service complexity) $0+: Up to 0.50% annually for retirement plan advisory services (negotiable based on plan size and complexity)
Financial planning services billed up to $250 per hour
Minimum fee: Retirement plan advisory services minimum total fee of $1,500 Fee-only: Investment advisory fees, financial planning fees (hourly up to $250/hour or fixed fee), retirement plan advisory fees
Main office location
Forty4 Financial
Bethesda MD, United States
Number of offices
1
Most active in
Forty4 Financial has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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