Four Pines Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$11,310,218
Clients
9
0% 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
9
Very LowAverage account size
$1,256,691
About
Four Pines Financial is a fee-only independent registered investment adviser that provides wealth management, investment management, and comprehensive financial planning to individuals and high-net-worth individuals. The firm oversees roughly $11.31 million in discretionary assets across nine client relationships and does not serve non‑high‑net‑worth individual clients.
The firm develops personalized investment policies and implements them on a discretionary basis, applying modern portfolio theory to set asset allocation and a blend of passive and active strategies while allowing client‑imposed restrictions and conducting quarterly reviews. It also offers ongoing financial planning and evaluates digital assets on a risk‑adjusted basis, using institutional custody arrangements (BitGo) and an Altruist brokerage/custodial platform when digital assets are deemed suitable.
Compared with peers, Four Pines is atypical for a solo adviser because it combines a very small client roster and substantial assets per client with an institutional technology and custody stack and explicit digital‑asset services. Its planning scope includes business planning and employee benefits optimization, and the firm implements trades on an individual basis rather than through aggregated block trading.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
General retirement planning
Demographic focus
Gen Z (Born 1996-2010)
Fee options
$0 - $2,500,000: 1.00% $2,500,001 - $5,000,000: 0.80% $5,000,001+: 0.60%
Ongoing financial planning fees paid monthly in arrears, ranging from $100 to $500
Fee-only: 0.85% annually (negotiable) for Investment Management Services; ongoing financial planning fees $100 to $500 per month (negotiable)
Main office location
Four Pines Financial
Atlanta GA, United States
Number of offices
2
Most active in
Four Pines Financial has reported serving >5 clients in these states in the last 12 months.
Georgia · Texas
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")